Social Security if You Were Born in 1965
Your full retirement age, earliest and latest claiming ages, and the exact benefit percentage at every claiming age from 62 through 70 — all specific to the 1965 birth-year cohort.
Full retirement age
67
Earliest claiming age
62
Latest age for delayed credits
70
Run your own numbers
Preset to birth year 1965 — enter your own monthly benefit at full retirement age to compare claiming at 62, 67, and 70.
Your Primary Insurance Amount (PIA). Don't know it? Estimate it from your income or check ssa.gov/myaccount.
Your Full Retirement Age (FRA): 67
Age 62
$1,40070% of FRA benefit
FRA (67)
$2,000100% of FRA benefit
Age 70
$2,480124% of FRA benefit
Age 62 vs FRA (67)
Age 78
Delaying to FRA (67) pays off if you live past 78
Age 62 vs Age 70
Age 80
Delaying to Age 70 pays off if you live past 80
FRA (67) vs Age 70
Age 82
Delaying to Age 70 pays off if you live past 82
| Claiming Age | Monthly | % of FRA Benefit |
|---|---|---|
| Age 62 | $1,400 | 70% |
| FRA (67) | $2,000 | 100% |
| Age 70 | $2,480 | 124% |
Worked example — $2,000/month PIA
Claim at 62
$1,400/mo
Claim at FRA (67)
$2,000/mo
Claim at 70
$2,480/mo
Percent of PIA by claiming age
Every whole-year claiming age from 62 to 70, for the 1965 birth-year cohort (FRA 67):
| Claiming age | % of PIA |
|---|---|
| 62 | 70% |
| 63 | 75% |
| 64 | 80% |
| 65 | 86.7% |
| 66 | 93.3% |
| 67 (FRA milestone) | 100% |
| 68 | 108% |
| 69 | 116% |
| 70 | 124% |
Early reduction: 5/9 of 1% per month for the first 36 months before FRA, then 5/12 of 1% per month beyond that. Delayed credits: for a birth after 1 January 1943, 2/3 of 1% per month (8% a year) from FRA to age 70 — the rate this page's table uses. The credit is keyed to date of birth, so earlier cohorts earn less: 5/8 of 1% a month (7.5% a year) for births from 2 January 1941 through 1 January 1943, falling to 1/12 of 1% before 2 January 1917. Sources: 20 CFR 404.313(b)(2), POMS RS 00615.692 D, and SSA — Early or Late Retirement.
Frequently asked questions
What is my Social Security full retirement age if I was born in 1965?
Full retirement age (FRA) for someone born in 1965 is 67. FRA is the age at which you receive 100% of your Primary Insurance Amount (PIA) with no early-claim reduction and no delayed retirement credit yet applied.
Can I claim Social Security at 62 if I was born in 1965?
Yes — 62 is the earliest claiming age regardless of birth year. For someone born in 1965, claiming at 62 pays about 70% of the full PIA, permanently reduced.
How much more do I get if I wait until 70?
Delayed retirement credits stop accruing at age 70. For someone born in 1965, waiting until 70 pays about 124% of the full PIA — the maximum available at any age.
Sources
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