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Is the Social Security Retirement Age Changing in 2025?

In 2025, the Social Security Administration announces changes to the full retirement age. Here is what you need to know.

Starting in 2025, the U.S. Social Security full retirement age increases, with a 2.5% boost in monthly benefits. Photo: GLR composition/Freepik/Britannica
Starting in 2025, the U.S. Social Security full retirement age increases, with a 2.5% boost in monthly benefits. Photo: GLR composition/Freepik/Britannica

The U.S. Social Security Administration has revealed a new adjustment to the full retirement age starting in 2025. An active driven by the current economic and demographic requirements. This change is part of a gradual adjustment will be implemented through a gradual process of the pension system for future generations.

The changes will directly impact workers approaching retirement age, as they determine when these individuals can access 100% of their benefits. Additionally, other important adjustments will also be introduced, including a 2.5% increase in monthly payments and updated eligibility requirements for the program.

Retirements age in the United States: How it adjusts in 2025

In 2025, the U.S. Social Security will initiate a new round of the reform started in 1983, which raises full retirement age based on the birth year. These are the new ages:

  • 66 years, 8 months for individuals born in 1958
  • 66 years, 10 months for individuals born in 1959
  • 67 years for individuals born in 1960 or later will remain the new upper boundary.

Note that individuals born on January 1 are considered to have been born in the previous year. This change does not preclude retirement at age 62, but it does mean a reduction of up to 30 percent in monthly benefits according to Social Security.

Benefits and economic adjustments of U.S. Social Security in 2025

In addition to the increase in the retirement age, the Social Security Administration will provide a 2.5% increase to monthly payments in 2025 as part of the cost-of-living adjustment (COLA).

This adjustment will direct a 2.5% increase in payments to millions of retirees in the US. Other notable changes taking effect are:

  • New taxable income limits.
  • Updated requirements to accumulate work credits.
  • An 8% annual bonus for those who delay retirement until age 70.
  • This last incentive aims to encourage workers to postpone retirement in exchange for higher pensions, also strengthening the system’s sustainability.

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