If you were born in 1965, your Social Security full retirement age is 67 — the age you can claim 100% of your earned benefit with no reduction.
Claim at 62 and your benefit is permanently reduced by about 30%. Wait until 70 and delayed-retirement credits raise it by about 24%; credits stop at 70.
Find the best claiming age for your numbers.
Other cohorts: Born in 1964 · Born in 1966.
Based on SSA's published full-retirement-age schedule and reduction/credit formulas. General information, not financial advice.
Updated July 2026