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What is the Social Security Retirement Age? Social Security's full-benefit retirement age is increasing gradually because of legislation passed by Congress in 1983. Traditionally, the full benefit age was 65, and early retirement benefits were first available at age 62, with a permanent reduction to 80 percent of the full benefit amount. Currently, the full benefit age is 66 for people born in 1943-1954, and it will gradually rise to 67 for those born in 1960 or later.
The exact amount of the reduction is based on your years of substantial earnings covered under Social Security and adjusted every year. In 2014, the maximum reduction in Social Security benefits under the Windfall Elimination Provision is $428 per month if you were age 62 in 2016. If you earned at least 40 Social Security credits through other employment, you should apply for Social Security, even though you may receive a reduced Social Security benefit.