Glossary
Full retirement age
Also called FRA
Definition
Full retirement age is when a worker can claim their full Social Security benefit, the primary insurance amount: 672026 · SSA for those born in 1960 or later. Claiming earlier reduces the benefit permanently; waiting past it earns delayed retirement credits.
How full retirement age works
Claiming at 62 reduces the benefit up to 30%2026 · SSA for an FRA of 67. Waiting adds 8% a year after full retirement age, up to age 702026 · SSA.
An earnings test can temporarily withhold benefits for people who claim before FRA and keep working.
Why it matters to a firm
Claiming age is one of the largest lifetime financial decisions; planning it well builds long relationships.
Calculators that use full retirement age
Questions about full retirement age
What is my FRA?
672026 · SSA if born in 1960 or later.
Can I work and claim early?
Yes, but the earnings test may withhold benefits.
Do credits continue after 70?
No.
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Related terms: Primary insurance amount · Provisional income
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