When Will Your Social Security Checks Arrive? (What Beneficiaries Should Know)

Full Retirement Age in 2026 and 2027

The Social Security full retirement age (FRA) has gradually increased over time under the 1983 law.

• Born in 1958: FRA is 66 years and 8 months
• Born in 1959: FRA is 66 years and 10 months
• Born in 1960 or later: FRA is 67

Individuals born in late 1959 finish reaching their full retirement age of 66 and 10 months in late 2026. Beginning in 2027, everyone born in 1960 or later reaches full retirement age at 67, completing the scheduled phase-in.

Will the Retirement Age Increase Again?

According to the 2026 Social Security Trustees Report, the retirement trust fund (OASI) is projected to be depleted in 2032, while the combined retirement and disability trust funds (OASDI) are projected to be depleted in 2034. Despite ongoing solvency debates, SSA leadership has stated that raising the retirement age is not under consideration.

Commissioner Bisignano clarified earlier comments by emphasizing that the administration’s focus remains on reducing waste, fraud, and abuse rather than cutting benefits.

Can You Claim Benefits Before Full Retirement Age?

Yes. Workers may begin claiming Social Security as early as age 62, but doing so permanently reduces monthly benefits.

Conversely, delaying benefits beyond full retirement age increases payouts. Those who wait until age 70 receive the maximum monthly benefit available to them.

PSST! Here’s everything you need to know about Social Security, Medicare & Government Pensions!