Full retirement age is the age at which you may receive unreduced old-age, wife's, husband's, widow's, or widower's benefits. Full retirement age has been 65 but is being gradually raised to age 67 beginning with people born after January 1, 1938. See § 404.102 regarding determination of age.
(a) What is my full retirement age for old-age benefits or wife's or husband's benefits? You may receive unreduced old-age, wife's, or husband's benefits beginning with the month you attain the age shown.
| If your birth date is: | Full retirement age is: |
|---|---|
| Before 1/2/1938 | 65 years. |
| 1/2/1938 - 1/1/1939 | 65 years and 2 months. |
| 1/2/1939 - 1/1/1940 | 65 years and 4 months. |
| 1/2/1940 - 1/1/1941 | 65 years and 6 months. |
| 1/2/1941 - 1/1/1942 | 65 years and 8 months. |
| 1/2/1942 - 1/1/1943 | 65 years and 10 months. |
| 1/2/1943 - 1/1/1955 | 66 years. |
| 1/2/1955 - 1/1/1956 | 66 years and 2 months. |
| 1/2/1956 - 1/1/1957 | 66 years and 4 months. |
| 1/2/1957 - 1/1/1958 | 66 years and 6 months. |
| 1/2/1958 - 1/1/1959 | 66 years and 8 months. |
| 1/2/1959 - 1/1/1960 | 66 years and 10 months. |
| 1/2/1960 and later | 67 years. |
(b) What is my full retirement age for widow's or widower's benefits? You may receive unreduced widow's or widower's benefits beginning with the month you attain the age shown.
| If your birth date is: | Full retirement age is: |
|---|---|
| Before 1/2/1912 | 62 years. |
| 1/2/1912 - 1/1/1940 | 65 years. |
| 1/2/1940 - 1/1/1941 | 65 years and 2 months. |
| 1/2/1941 - 1/1/1942 | 65 years and 4 months. |
| 1/2/1942 - 1/1/1943 | 65 years and 6 months. |
| 1/2/1943 - 1/1/1944 | 65 years and 8 months. |
| 1/2/1944 - 1/1/1945 | 65 years and 10 months. |
| 1/2/1945 - 1/1/1957 | 66 years. |
| 1/2/1957 - 1/1/1958 | 66 years and 2 months. |
| 1/2/1958 - 1/1/1959 | 66 years and 4 months. |
| 1/2/1959 - 1/1/1960 | 66 years and 6 months. |
| 1/2/1960 - 1/1/1961 | 66 years and 8 months. |
| 1/2/1961 - 1/1/1962 | 66 years and 10 months. |
| 1/2/1962 and later | 67 years. |
(c) Can I still retire before full retirement age? You may still elect early retirement. You may receive old-age, wife's or husband's benefits at age 62. You may receive widow's or widower's benefits at age 60. Those benefits will be reduced as explained in § 404.410.
[68 FR 4707, Jan. 30, 2003]