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Your Normal Social Security Retirement Age

When is your normal retirement age for Social Security?

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The United States Congress defines normal retirement age based on the year you were born. Your normal retirement age is a critical component of retirement planning because your Social Security retirement benefit is based on just two components:

  • Your earnings history
  • The age at which you collect your retirement benefit compared to your normal retirement age.

It’s important to understand you normal retirement age. Here’s a list of possible years you were born followed by your normal retirement age according to the Social Security Administration.

  • 1937 or earlier: 65
  • 1938: 65 and 2 months
  • 1939: 65 and 4 months
  • 1940: 65 and 6 months
  • 1941: 65 and 8 months
  • 1942: 65 and 10 months
  • 1943—1954: 66
  • 1955: 66 and 2 months
  • 1956: 66 and 4 months
  • 1957: 66 and 6 months
  • 1958: 66 and 8 months
  • 1959: 66 and 10 months
  • 1960 or later: 67
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