SSA announced Social Security Retirement Age set to Change in FEB 2025: Social Security recipients will see several important changes in 2025, including an increase in the full retirement age (FRA). This marks another step in the gradual shift that began in 1983 to adjust for rising life expectancy. In addition, the cost-of-living adjustment (COLA) will be lower than last year, the maximum taxable earnings limit will increase, and Social Security offices will expand appointment-based services.
SSA announced Social Security Retirement Age set to Change in FEB 2025
If you’re approaching retirement or currently receiving benefits, here’s everything you need to know about these upcoming Social Security changes.
Higher Full Retirement Age in 2025
The full retirement age (FRA) is the age at which workers become eligible to claim 100% of their Social Security benefits based on their lifetime earnings. For decades, it was set at 65 years old, but in 1983, Congress passed a law to gradually increase the FRA, aligning it with longer life expectancies.
Full retirement age adjustments by birth year:
- Born in 1958 → Full retirement age: 66 years, 8 months
- Born in 1959 → Full retirement age: 66 years, 10 months
- Born in 1960 or later → Full retirement age: 67 years
Who reaches full retirement age in 2025?
According to AARP, individuals born May 2, 1958 – February 28, 1959 will reach full retirement age in 2025.
Early & Delayed Retirement Options
Workers still have flexibility in choosing when to claim their benefits:
- Early retirement (starting at age 62) – You can claim benefits earlier, but they will be permanently reduced.
- Waiting until age 70 – If you delay claiming Social Security benefits, you’ll receive a higher monthly payment.
Also Check:
$967 Social Security Boost 2025: 1.4 Million Seniors Receive both SSI and Social Security
Additional Social Security Changes in 2025
1. Lower Cost-of-Living Adjustment (COLA)
- The 2025 COLA is set at 2.5%, which is lower than 2024’s 3.4% increase.
- This adjustment affects Social Security and Supplemental Security Income (SSI) recipients.
2. Higher Maximum Taxable Earnings
- The maximum taxable income will increase from $168,000 to $176,100 in 2025.
- This means higher earners will contribute more to the Social Security system.
3. Expanded Appointment-Based Services at SSA Offices
- Social Security offices nationwide will increase appointment availability.
- This change aims to reduce wait times and improve customer service for in-person visits.
The Social Security changes in 2025 reflect ongoing adjustments to retirement eligibility, benefits, and administrative services. The full retirement age continues to rise, reaching 66 years and 10 months for those born in 1959, while those born in 1960 or later must wait until 67.
Additionally, recipients will see a smaller COLA increase (2.5%), while higher-income workers will contribute more in payroll taxes. For those who need in-person assistance, appointment-based services at SSA offices will offer greater convenience.
As these new regulations take effect, staying informed and planning ahead will help ensure a smooth transition into retirement and financial security.
If you have any Doubt You can contact Here:
Contact Social Security By Phone
You can call us at 1-800-772-1213 between 8:00 a.m. – 7:00 p.m. local time, Monday through Friday. Wait times to speak to a representative are typically shorter in the morning, later in the week, and later in the month. Our automated telephone services are available 24 hours a day and do not require you to wait to speak with a representative.
If you’re deaf or hard of hearing and use TTY equipment, you can call our TTY number at 1-800-325-0778.
Contact us through our Office
Find Here: https://secure.ssa.gov/ICON/main.jsp
Contact Social Security By Mail
If you still need additional help, you may write to the Office of Public Inquiries and Communications Support. Please include your Social Security number or claim number whenever you write to us.
Social Security Administration
Office of Public Inquiries and Communications Support
1100 West High Rise
6401 Security Blvd.
Baltimore, MD 21235
Contact through Email: https://secure.ssa.gov/emailus/EmailUs.action
FAQ’s
What is the full retirement age in 2025?
For individuals born in 1959, the full retirement age is 66 years and 10 months. For those born in 1960 or later, it is 67 years.
When can I start receiving Social Security benefits?
You can start claiming benefits as early as age 62, but at a reduced amount. Waiting until age 70 increases your benefit amount.
How much is the COLA increase for Social Security in 2025?
The 2025 Cost-of-Living Adjustment (COLA) is set at 2.5%, lower than the 3.4% increase seen in 2024.
What is the maximum taxable income for Social Security in 2025?
The maximum taxable earnings for Social Security in 2025 will increase to $176,100, up from $168,000 in 2024.
Are there changes to Social Security office services in 2025?
Yes, Social Security offices will expand appointment-based services to reduce wait times and improve customer assistance.
Did they take into consideration the TYPES of jobs people perform? Some individuals are barely able to keep up with the new technologies and the physical exertion required to do certain jobs. The aches and pains, the mental fatigue and tolerance level all are challenges to older workers. The mental acuity needed to perform daily is amazing. Everyone can’t work at Walmart or have a lazy job in congress.
I was wanting to know I’m 70 years old. And I used to get extra help because I’m low income. And who do I go to see about getting it reinstated cause my insurance company says I don’t have extra help no more. I don’t know why it stoppedbut I need an extra help. , but I need an extra help. Can you please help me with this? Can you please help me with this? Thank you. Can you please help me with this please?
Hello John,
You can call us at 1-800-772-1213 between 8:00 a.m. – 7:00 p.m. local time, Monday through Friday. Wait times to speak to a representative are typically shorter in the morning, later in the week, and later in the month. Our automated telephone services are available 24 hours a day and do not require you to wait to speak with a representative.
Thank you
We used to call all those VIPS, ( PENCIL PUSHERS)!!!! !(ICE CREAM CRAPPERS) !!!(RELATIVE ENGINEERS)!!!!BUTT KISSERS, DUST COLLECTORS,ETC. ETC.
I see all this stuff about retirement, what about people on SSI, will they see any change in there benefits in 2025.
Hello Tammy,
There is no change about SSI till now.
I am on disability and my spouse died. I had to turn in documents because I became a widow.
I signed nothing stating I wanted his benefits that he was already receiving till his death.He was receiving over 2000$ retirement through SSI. Was receiving approximately 900$ disability.
I was informed that my benefits dropped to 739$ because now I will be receiving widows benefits.
I am 60,planning on going back to work untill 70 years old. I am now stuck with 739$ a month the rest of life and odviously will have to work until I die!
Who can live on 739$ a month?NOONE!!!!!
I never asked for nor wanted his retirement!
I signed nothing agreeing to this insanity and by the time I was informed of this change it was too late to appeal!
Lies and deceit within the administration!
Hello Mialee,
Have you Call at 1-800-772-1213 between 8:00 a.m. – 7:00 p.m. local time, Monday through Friday. Wait times to speak to a representative are typically shorter in the morning, later in the week, and later in the month. Our automated telephone services are available 24 hours a day and do not require you to wait to speak with a representative.
If you are disabled at the age of 50 and your husband dies, and you are receiving disability, you should be collecting part of your husband’s social security AND your disability, to equal your husband’s retirement….so you should be collecting close to $2000. / month
Hi my name is Robert Ciafardoni Sr I was on disability social security called me and ask me if they could get my work history I said sure I didn’t want to feel like I was hiding something month later I get a letter saying u have a work history at 61 years old they switched me to my retirement never signed anything I tried to fight it social security is always right now I have to suffer the rest of my life