Anyone born after 1960 impacted by major Social Security change: What you need to know

Social Security’s full retirement age is increasing again next year, impacting when some people can claim their full benefits.

According to the Social Security Administration , the social insurance program provides retirement, disability and survivors benefits to more than 66 million people.

Beginning in 2026, Social Security’s full retirement age will reach its final scheduled increase under the Social Security Amendments of 1983 , which gradually raised the full retirement age from 65 to 67 over a 22-year period.

The Social Security Administration determines an individual’s full retirement age based on their birth year , while monthly benefit amounts depend on how long they’ve worked and how much they’ve earned over their lifetime.

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