Directions: Pre-Retirement Planning Seminars

Retirement Planning Tips for New York State Employees

Tip of the Month (taken directly from the Self-Help Guide)

When calculating my Social Security benefit, what is my full retirement age?

Until the year 2000, the "full retirement age" was age 65. Because of longer life expectancies, the full retirement age has been increased in gradual steps until it reaches age 67. The increase affects people born in 1938 and later. Full retirement age for people born in 1938 is 65 years and 2 months. Full retirement age increases in steps until we reach full retirement age of 67 in 2027 and following, for people born in 1960 or later. This change affects workers and spouses born in 1938 and later, as follows:

Birth YearFull Retirement Age
1937 or earlier65 years
193865 years and 2 months
193965 years and 4 months
194065 years and 6 months
194165 years and 8 months
194265 years and 10 months
1943-195466 years
195566 years and 2 months
195666 years and 4 months
195766 years and 6 months
195866 years and 8 months
195966 years and 10 months
1960 on67 years

Note: Persons born on January 1 of any year should refer to the full retirement age for the previous year.

For more information on your Social Security benefits go to: or call (800) 772-1213.


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