Americans Born in 1960 or Later Lose Social Security by Claiming at 65 Instead of 67
Updated
Updated · The Washington Post · Oct 11
Americans Born in 1960 or Later Lose Social Security by Claiming at 65 Instead of 67
1 articles · Updated · The Washington Post · Oct 11
Summary
Age 65 is no longer full retirement age for Americans born in 1960 or later; claiming Social Security then counts as early filing and cuts monthly benefits.
Age 67 is the full retirement age for that group, so the common assumption that Medicare eligibility at 65 aligns with full Social Security benefits no longer holds.
Lower checks can make retiring at 65 more costly over time, even if delaying retirement appears straightforward only on paper.
Household finances and personal circumstances still shape the decision, making the trade-off between earlier retirement and higher monthly benefits highly individual.