Turning 67 in 2027 means reaching full retirement age for Social Security retirement benefits for workers born in 1960. At 67 you can receive 100% of your basic benefit, while Supplemental Security Income uses separate financial rules. Supplemental Security Income is separate monthly support for people with limited income and resources. Adults can qualify at age 65 or older when they also meet citizenship, status, and residence rules.
Table of Contents
- Why 67 is full retirement age in 2027
- What you receive at 62, 67, or 70
- How SSI differs from retirement insurance
- Can you work at 67 without losing benefits
- What 2027 payment changes to expect
Why 67 is full retirement age in 2027
People turning 67 in 2027 were born in 1960. The Congressional Research Service reports they are the first cohort with a full retirement age of 67, completing the rise from 65 under the 1983 law, in the retirement-age chart.
Full retirement age sets the point for a full benefit. Claiming earlier lowers the monthly amount for life. Claiming later can raise it until age 70.
What you receive at 62, 67, or 70
The Social Security Administration states that workers with a full retirement age of 67 receive 100% of the basic benefit at 67, while claiming at 62 cuts it by as much as 30%, in the benefit-payment FAQ. The cut is permanent. AARP explains that waiting past full age earns two-thirds of 1% per month, or 8% per year, until age 70.
No credit accrues after 70. For a worker with a $2,000 full benefit, AARP places the age-70 amount at about 124%, or roughly $2,480. That gap makes the claiming age a lasting income choice.
How SSI differs from retirement insurance
Social Security retirement insurance is based on work and earnings. The Social Security Administration treats Supplemental Security Income as a separate needs-based program.
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Eligibility for older adults centers on finances and status, not work history: Meeting the age alone does not bring payment. Each financial and status rule must also be met.
- age 65 or older
- limited income
- limited resources
- qualifying citizenship or status and residence
Can you work at 67 without losing benefits
Reaching full retirement age ends the retirement earnings test. The Society of Actuaries reports 2027 limits of $25,560 when below full age all year and $67,920 in the year full age is reached, in the 2027 retirement-rules update. Below full age all year, SSA withholds $1 for every $2 earned above the limit.
In the year full age is reached, it withholds $1 for every $3 above the higher limit. After the birthday month for full age, no earnings limit applies. Workers at 67 can earn any amount with no withholding from retirement benefits.
What 2027 payment changes to expect
The Journal of Accountancy reports a 3.6% cost-of-living increase for 2027, lifting the average retired-worker check by about $75 to about $2,170, in the 2027 COLA announcement. The federal SSI maximum rises to $1,029 for an individual and $1,544 for a couple.
Retirement income often counts against SSI limits. The National Council on Aging advises people who may receive both programs to get a benefit-coordination check before claiming.
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