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The age at which you qualify for 100% of your Social Security benefit.
Full retirement age is when you can claim your full, unreduced Social Security benefit; it is 67 for those born in 1960 or later. Claiming before FRA permanently reduces the monthly amount, while delaying past it earns delayed-retirement credits until age 70. FRA is the reference point for every claiming decision.
Claiming at 62 instead of an FRA of 67 can cut the monthly benefit by around 30%.
Claiming Social Security at the wrong age can cost you tens of thousands of dollars over your retirement. Here is how to think through the optimal claiming strategy for your situation.
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