A key update from the Social Security Administration (SSA) is set to impact millions of Americans approaching retirement. Starting November 2025, the Full Retirement Age (FRA) will shift again—part of a gradual change based on a law passed in 1983.
What’s Changing?
If you were born in 1959, your FRA will be 66 years and 10 months—two months later than for those born in 1958. This means you’ll need to wait longer to receive 100% of your Social Security benefits.
For those born in December 1959, FRA arrives in October 2026.
Born in 1960 or later? Your FRA will be 67 years. Those born before 1959 are not affected by this change.
Why FRA Matters
You can claim Social Security as early as age 62, but that means reduced monthly payments. For someone born in 1959, claiming at 62 could result in 28% less per month compared to waiting until FRA.
Delaying beyond FRA (up to age 70) can increase your benefit by up to 8% annually.
What Should You Do?
Use the SSA Retirement Age Calculator to find your FRA Consider speaking to a financial advisor Understand how working while claiming benefits may affect your income
Payment Schedule Tip
Social Security checks are paid based on your birthdate:
1st–10th: Second Wednesday 11th–20th: Third Wednesday 21st–31st: Fourth Wednesday SSI is paid on the 1st of the month.
Stay informed to make the most of your benefits. Visit ssa.gov for personalized tools and updates.