67 Is No Longer Full Retirement Age – Social Security Issues New Guidelines For Retirement In United States

In a major shift, the Social Security Administration (SSA) has updated its retirement guidelines, moving the Full Retirement Age (FRA) beyond 67 for future retirees. This change could affect millions of Americans planning for their retirement. Here’s everything you need to know about what’s changing, who is affected, and how to prepare.

What’s Changing in Social Security Retirement Age?

Traditionally, Full Retirement Age (FRA) was 65, then gradually increased to 67. But as per new guidelines released in 2025, the FRA is now set to increase further — potentially up to 68 or 69 — depending on your birth year.

This decision comes as a response to:

• Longer life expectancy
• Rising financial strain on Social Security trust funds
• Increased number of retirees vs. active workers

Full Retirement Age Table (Updated Guidelines 2025)

Birth Year	Previous FRA	New Full Retirement Age
1957–1960	66–67	No Change (Remains 66–67)
1961–1964	67	67.5
1965–1969	67	68
1970–1974	67	68.5
1975 or later	67	69

Note: These are proposed guidelines. Implementation may vary based on congressional approval.

What This Means for You

If you’re born after 1960, your retirement planning needs a serious update. Here’s why:

• Delayed FRA = delayed full benefits
• Early retirement penalty increases
• Need to save more independently (401(k), IRA, etc.)
• Health planning becomes more critical

Expert Opinion

“These changes may seem small numerically, but they can drastically affect the amount of money you receive monthly if you choose to retire early,” says Nancy Delaney, a retirement strategist.

Example: Retirement Benefit Impact

If you retire at 62 instead of 69 (new FRA), you could receive up to 35% less per month for life.

Tips for Adjusting Your Retirement Plan

• Reevaluate your 401(k) and Roth IRA contributions
• Consider delaying retirement to maximize benefits
• Use retirement calculators to project future income
• Consult a certified retirement planner

FAQs – Social Security Retirement Age Changes

The new Social Security retirement guidelines may feel like a curveball — but planning ahead is your best defense. Whether you’re in your 30s or 50s, take action now to adjust your strategy.