Common Questions
What Is the Full Retirement Age for Someone Born in 1960?
- January 12, 2024
- Reviewed by John Krahnert
For people born in 1960, the full retirement age is 67.
That means if you were born in 1960, you will reach your full retirement age on your birthday in 2027. Only then will you be eligible to collect 100% of your Social Security retirement benefits.
“Full retirement age” is defined by Social Security as the age at which you are eligible to collect the full amount of your Social Security retirement benefits. For years, full retirement age was 65. But that’s no longer the case, and full retirement age is now determined by the year you were born.
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How much Social Security will I get at age 62?
Everyone who qualifies for Social Security, regardless of the year they were born, is eligible to receive Social Security retirement benefits beginning at age 62.
But there’s a catch. Claiming Social Security before your full retirement age means you will receive a reduced amount. You will continue to receive the reduced retirement benefit amount every month for as long as you live.
If you were born in 1960 and began collecting Social Security at age 62, you would only receive 70% of your benefits.
Your benefits increase every year that you delay taking retirement benefits after reaching your full retirement age, with a final cap of 124% at age 70.
The chart below shows the amount of Social Security benefits you are eligible to receive at various ages if you were born in 1960.
| Age of Retirement Collection | Percentage of Social Security Retirement Benefits |
|---|---|
| 62 | 70% |
| 63 | 75% |
| 64 | 80% |
| 65 | 86.7% |
| 66 | 93.3% |
| 67 | 100% |
| 68 | 108% |
| 69 | 116% |
| 70 | 124% |
The Social Security Administration’s retirement planner for people born in 1960 shows a more complete breakdown.
As of February 2023, the average Social Security retirement check for a retired worker was $1,830 per month.
Can I collect Social Security while working?
No matter the age at which you begin collecting Social Security, you may continue to work and earn income while also collecting Social Security retirement benefits.
If you claim Social Security before reaching your full retirement age, your working income will be capped at $21,240 per year in 2023. Once you go above that limit, your Social Security benefits will begin to decrease.
If you wait until your full retirement age, there is no limit as to how much money you can earn by working. Your Social Security check will not be diminished.
When can I get Medicare if I was born in 1960?
If you were born in 1960, you most likely will be eligible for Medicare in 2025, when you turn 65 years old.
You will be eligible for Medicare up three months before your 65th birthday. This is the beginning of your Medicare Initial Enrollment Period (IEP). Your enrollment window will close three months after your birthday month.
- If you are collecting Social Security benefits at the time you become eligible for Medicare enrollment, you will be automatically enrolled in Medicare.
- If you are not yet collecting Social Security benefits at the time you become eligible for Medicare, you will not be automatically enrolled. You’ll have to sign up manually at your local Social Security office, online or over the phone.
If you do not enroll in Medicare when you first become eligible, you may be subject to coverage lapses and late enrollment penalties once you do sign up unless you qualify for a Special Enrollment Period.
Having health insurance through your employer is one way a beneficiary might qualify for a Special Enrollment Period if you continue working past age 65, depending on your situation.
See our guide to Medicare eligibility and enrollment for more in-depth information about how and when to sign up for Medicare if you were born in 1960.
About the author
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.
