The full retirement age for Social Security – the age in which you get 100% of the program's benefits – has risen over recent years.

As 2025 approaches, understanding the nuances of Social Security retirement benefits becomes crucial. While the minimum age to apply remains 62, the decision to retire early or delay can impact your financial future.

A new retirement age rule begins in November 2025 for millions of Americans. Here's how your birth year affects your benefits.