What is my Social Security full retirement age?

Full retirement age is the point at which you receive one hundred percent of your calculated benefit. Claim before it and the reduction is permanent; claim after it and delayed retirement credits raise the benefit until seventy. The schedule rose gradually for people born from 1955 onward and settled at sixty-seven.

It is not the same as Medicare eligibility, which remains sixty-five for nearly everyone. Those two dates drifting apart is why so many people now enrol in Medicare while still working, and claim Social Security years later.

An estimate for planning, not a quote. Medicare and the Marketplace set your real figures.