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full retirement age 67

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Bar chart of the monthly Social Security benefit by claiming age from 62 to 70 for a $2,000 full retirement age benefit, from $1,400 at 62 to $2,480 at 70

Full Retirement Age Is 67: How Claiming at 62, 67 or 70 Changes Your Social Security Check (2026 Guide)

7 Min Read

Full retirement age is now 67 for everyone born in 1960 or later. Here's how claiming at 62, 67 or 70 changes your monthly check, worked break-even math, the 2026 maximum benefits, how to estimate your own number, and what to consider for spouses and…

Khasim Basha Shaik

Founder & editor · Researcher, not a licensed agent

Khasim Basha Shaik is the founder and editor of Seniors Secrets. He spends his time digging through Medicare plan documents, government sources and the fine print, so readers can compare their options without the jargon. Every guide here links to its sources, and we update posts when the rules or numbers change. Seniors Secrets offers research and education, not licensed insurance or medical advice, so please confirm plan details with Medicare.gov or a licensed advisor before enrolling.

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