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Full retirement age if you were born in 1960

If you were born in 1960, your Social Security full retirement age is 67, and the month you reach it depends on your exact birth day. Born on January 1, 1960, you use the 1959 row instead: 66 and 10 months, reached in October 2026.

Birth months of 1960: first month to start at 62, full retirement age and age 70 for a birth on the 15th, and full retirement age for a birth on the 1st
Born on the 15thFirst month to start at 62Full retirement ageFull retirement age if born on the 1stAge 70
January 15February 2022January 2027October 2026January 2030
February 15March 2022February 2027January 2027February 2030
March 15April 2022March 2027February 2027March 2030
April 15May 2022April 2027March 2027April 2030
May 15June 2022May 2027April 2027May 2030
June 15July 2022June 2027May 2027June 2030
July 15August 2022July 2027June 2027July 2030
August 15September 2022August 2027July 2027August 2030
September 15October 2022September 2027August 2027September 2030
October 15November 2022October 2027September 2027October 2030
November 15December 2022November 2027October 2027November 2030
December 15January 2023December 2027November 2027December 2030

Born on January 1, 1960 uses the 1959 row: full retirement age 66 and 10 months, reached in October 2026.

Source: SSA: Normal Retirement Age; SSA: Starting Your Retirement Benefits Early, opened on .

The January 1 and 1st-of-the-month rules in 1960

Four birth dates in 1960. SSA’s calculator gave the same full retirement age month for all four when we checked on October 11, 2026.

Four birth dates in 1960: January 1, January 2, March 1 and March 2
BornFull retirement ageYou reach it inFirst month to startAge 70 in
January 1, 196066 and 10 monthsOctober 2026January 2022December 2029
January 2, 196067January 2027January 2022January 2030
March 1, 196067February 2027March 2022February 2030
March 2, 196067March 2027March 2022March 2030

What is the full retirement age for someone born in 1960?

67. SSA’s table gives 67 for births in 1960 and later, so the age is the same for every birth month, except January 1, which uses the 1959 row (see the next question). The month changes with the birth day, because the site counts an age as reached on the day before the birthday, as SSA’s calculator does. The table above gives that month for each birth month of 1960.

Why does a January 1 birth give a different month?

SSA says that a person born on January 1 should use the previous year’s row. For January 1, 1960 that is the 1959 row: full retirement age 66 and 10 months, reached in October 2026. SSA’s calculator returned October 2026 for that date when we checked it on October 11, 2026. Born on January 2, 1960, you use the 1960 row, which is 67, and reach it in January 2027.

Does the day of the month change the full retirement age month?

Only the 1st of a month changes it, and January 1 uses the year before. Born on the 2nd to the 31st, you reach full retirement age in the same month as the table row for your birth month. Born on the 1st, the month is one earlier: March 1, 1960 gives February 2027, and March 2, 1960 gives March 2027. SSA’s calculator returned both months on October 11, 2026.

When can I first start Social Security at 62 if I was born in 1960?

You must be 62 for the entire month to be paid for it, so the first month depends on the birth day. Born on March 15, 1960, you can first start in April 2022, the month after the 62nd birthday. Born on March 1 or March 2, the first month is March 2022, the month of the 62nd birthday. The first-month column in the table gives this for the 15th of each month.

What does full retirement age 67 mean for the benefit at 62 and at 70?

For births in 1960 and later, SSA’s table gives 70% of the full benefit at 62, 100% at 67 and 124% at 70. These are percentages, not dollars: the amount depends on your lifetime earnings, which this site does not know. The early vs delayed page shows the percentage for every start month.

Questions about full retirement age, 1960

What is the FERS minimum retirement age for someone born in 1960?

56. OPM’s chart gives 56 for births from 1953 to 1964, so the age is the same for every 1960 birth month. It is set by year of birth only, and it is a separate program from Social Security. The FERS minimum retirement age page explains how it works.

Does Medicare start at a different age for someone born in 1960?

No. Most people become eligible for Medicare at 65, the same age rule as for any other birth year. The 7-month Initial Enrollment Period depends on your own birth date, not only on the year, so the Medicare page works it out for your exact date and explains what a late sign-up can cost.

Is 1960 the first birth year with full retirement age 67?

Yes, in SSA’s table. The 1959 row is 66 and 10 months, and every row from 1960 on is 67. A January 1, 1960 birth still uses the 1959 row, as the January 1 answer above shows.

Does this page show dollars or spouse benefits?

No dollars: the amount depends on your earnings record, which this site does not know. Spouse and survivor benefits follow other rules, and SSA says a survivor’s full retirement age may be different. This page covers the retirement benefit on your own record only.

Where do I check my exact dates?

On the home page. Type your exact date of birth and the timeline shows the month you reach each age, with the official page beside each one. The date stays in your browser: it is not sent, saved or put in the address.

What if I work for the federal government and was born in 1960?

Then the FERS minimum retirement age on this page may apply to you. OPM’s page does not say how to count it for a birth on the 1st of a month or on January 1, so the site marks that case as not confirmed. Ask your agency for the exact date.

Related tools

More ways to check your federal retirement ages.

Sources: what this page states and where we read it

What this page states, the official page it was read on, the link and the day it was opened
What the page saysOfficial page and where on itOpened
Full retirement age is 65 for 1937 and prior, rises 2 months a year from 1938 to 1942, is 66 for 1943-1954, rises 2 months a year from 1955 to 1959 and is 67 for 1960 and later.SSA: Normal Retirement AgeTable “Normal Retirement Age”, Year of birth / Age
If you were born on January 1, use the previous year’s row of the table.SSA: Normal Retirement AgeNotes under the table, note 1
If you were born on the 1st of a month, SSA figures your benefit and full retirement age as if your birthday were in the previous month; January 1 counts as December of the previous year.SSA: Starting Your Retirement Benefits EarlyNotes under the chart “Full Retirement and Age 62 Benefit By Year Of Birth”
The month you reach full retirement age, counted with the rule that you reach an age the day before your birthday.SSA: Normal Retirement AgeSSA’s calculator “When will you reach your NRA?”, run on 2026-10-11
You must be 62 for the whole month to be paid for it.SSA: Starting Your Retirement Benefits EarlyNotes under the chart
The first month you can start is the month of your 62nd birthday if you were born on the 1st or the 2nd, and the month after it if you were born on any other day (SSA: “you can not retire before age 62 and one month”).SSA: Early or Late Retirement? (Actuarial Services)SSA’s calculator “Compute the effect of early or delayed retirement”, run on 2026-10-11
The benefit as a percentage of the full amount at 62, 63, 64, 65, 66, 67 and 70, for every year of birth from 1937.SSA: Effect of Early or Delayed Retirement on Retirement BenefitsTable “Benefit, as a percentage of Primary Insurance Amount (PIA), payable at ages 62-67 and age 70”
The FERS Minimum Retirement Age is 55 for births before 1948, rises 2 months a year to 55 and 10 months for 1952, is 56 for 1953-1964, rises 2 months a year to 56 and 10 months for 1969 and is 57 for 1970 and after.OPM: FERS eligibilityTable “Eligibility Information”, If you were born / Your MRA is
Not confirmed. How OPM counts the MRA for someone born on the 1st of a month or on January 1 is NOT CONFIRMED: the OPM page gives the age by year of birth and states no day-of-month rule, so the site shows your birth date plus the MRA and tells you to confirm with your agency.OPM: FERS eligibilityTable “Eligibility Information” and the notes around it (no day-of-month rule is stated)
Medicare is the health insurance program for people 65 or older; most people sign up when first eligible, usually at 65.Medicare.gov: When can I sign up for Medicare?Page introduction
The Initial Enrollment Period lasts 7 months: it starts 3 months before the month you turn 65 and ends 3 months after it.Medicare.gov: When does Medicare coverage start?Section “Your first chance to sign up (Initial Enrollment Period)”
Missing the 7-month period can mean a monthly late enrollment penalty for as long as you have Part B, and it grows the longer you wait.Medicare.gov: When does Medicare coverage start?Section “Avoid the penalty”
Full retirement age is when you become eligible for unreduced Social Security retirement benefits.SSA: Retirement Age CalculatorPage introduction
For a dollar estimate, use your my Social Security account; the payment is calculated from your lifetime earnings.SSA: Plan for Retirement (benefit estimate)Page introduction
These ages are for retirement benefits; a survivor’s full retirement age may be different.SSA: Starting Your Retirement Benefits EarlyBox “Related Information”

General information from official sources, not advice. Rules can change by law, and the agency decides your case. Confirm your dates with the Social Security Administration, Medicare or the Office of Personnel Management before you decide. Nothing you type leaves your browser.