If you were born on the first of the year, use the FRA for the year before your year of birth. As an example of the attained age rule, someone born on January 1, 1956, would have a FRA of 66 and 2 months - as they were born on the 1st, they are considered to have attained the age of 66 and 2 months in 1955. Your exact Social Security full retirement age depends on the year you were born, and is somewhere between 66 and 67. Here's a chart that can help you find yours: If You Were Born in Traditionally, the full benefit age was 65, and early retirement benefits were first available at age 62, with a permanent reduction to 80 percent of the full benefit amount. Currently, the full benefit age is 66 years and 2 months for people born in 1955, and it will gradually rise to 67 for those born in 1960 or later.