Among the changes Social Security recipients will see in 2025 is a higher full retirement age.
This age represents when workers can begin receiving 100 percent of their retirement benefits, calculated based on their lifetime earnings.
Originally, the full retirement age was set at 65. However, Congress passed legislation in 1983 to gradually raise this threshold, aligning it with longer life expectancies, according to the Social Security Administration.
The full retirement age, also referred to as the “normal” retirement age, has been increasing incrementally in recent years. Each birth year sees a two-month increase in the retirement age.
For example, individuals born in 1958 reach full retirement age at 66 years and 8 months. Those born in 1959 will have their full retirement age rise to 66 years and 10 months. According to AARP, people born between May 2, 1958, and February 28, 1959, will all hit their full retirement age in 2025. For individuals born in 1960 and beyond, the full retirement age will move up to 67.
Although workers can start claiming benefits as early as age 62, doing so results in reduced payments. On the other hand, delaying benefits until age 70 leads to a higher monthly payout.
Other notable Social Security updates for 2025 include a smaller cost-of-living adjustment (COLA), dropping to 2.5% from 3.4%, an increase in the maximum taxable earnings cap from $168,000 to $176,100, and the introduction of appointment-based services at Social Security offices across the country.

Birth Year
Full Retirement Age
Payout From $1,000 Benefit If Taken At 62

1943-1954
66
$750

1955
66 and 2 months
$741

1956
66 and 4 months
$733

1957
66 and 6 months
$725

1958
66 and 8 months
$716

1959
66 and 10 months
$708

1960 and later
67
$700

{Matzav.com}