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Quick Takeaways (for the busy reader):

Before we dive in, here’s the short version if you’re short on time:

If you were born in 1960 or later, your full retirement age for Social Security benefits is now 67. You can still claim Social Security at 62, but your monthly check will be permanently smaller (about 30% smaller, to be exact).
Even though full Social Security benefits don’t kick in until 67, Medicare eligibility still starts at 65. Don’t miss that window – late enrollment can mean higher premiums forever.

Is the Retirement Age Changing?

Technically, you can retire whenever you want or whenever you think is right for you. But, when it comes to being able to get your Social Security benefits, the “Full Retirement Age” is changing for those born after 1960. This is all part of a plan approved by Congress in 1983 in an attempt to keep Social Security financially stable as people started living longer.

Birth Year	Full Retirement Age (FRA)
1943–1954	66
1955	66 and 2 months
1956	66 and 4 months
1957	66 and 6 months

What If I Want to Retire Before 67?

Hey, we get it. Nobody dreams of spending their golden years still clocking in. If retirement at 62 is calling your name, you absolutely can - Social Security will start paying out at that age. But there’s a tradeoff: your monthly benefit will be about 30% lower than if you’d waited until you were 67. That reduction is permanent, so it’s worth thinking through.

On the flip side, if you do keep working past 67? Your monthly benefit actually grows for every year you delay. Is the extra wait worth it? That’s a very personal call – and one only you can make based on your health, finances, and what retirement looks like for you.

Don't Forget the "Medicare Gap"

One thing that trips a lot of people up: Medicare and Social Security don’t start at the same time. Even if your full Social Security benefits don’t kick in until 67, you’re still eligible for Medicare at 65. Those two years in between? That’s what is called the “Medicare Gap”.

Visory Health’s Tip: Don’t wait until 67 to look into your health coverage! Missing your Medicare enrollment window can mean paying higher premiums for the rest of your life. We want your retirement to be simple and stress-free, all while avoiding unnecessary costs (that’s like, our whole thing). Head to Medicare.gov and enroll when you’re eligible. If you have Medicare, that may also reduce some financial burdens that may make retiring earlier more doable for you!

Don’t Wait For Retirement for Medication Discounts

We know retirement planning can feel like a lot, especially when financial timelines are shifting and everything feels so expensive. Not only that, but as we age, we usually have to take more prescriptions. According to a study conducted by Age Wave and JAHF, on average, older adults take 4 daily medications, with over 15% of study participants taking 8 or more daily prescriptions. Those medication costs can quickly and easily add up. We see you, and we hear your concerns. Retirement should feel exciting, not exhausting.

Here’s something that can help right now, not just later: prescription costs don’t have to be a burden. We’ve seen how hard it can be to choose between a needed medication and other bills. That’s exactly why we built something better.

With the Visory Health price search tool, you can compare prescription prices at local pharmacies in seconds. Whether you’re on Medicare, private insurance, or paying out of pocket – it works for everyone. You can’t use it with your insurance, but it can help if your insurance isn’t covering your medication adequately or if you don’t have insurance! No personal info required, and no age eligibility. Visory Health is just simple Rx savings that actually work.

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🧡 We do healthcare differently®,

The Visory Health Team

","disclaimer":"

This article is not medical advice. It is intended for general informational or educational purposes only. It is not a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of your physician or other qualified health care provider with any questions you may have regarding a medical condition, diagnosis or treatment. If you think you have a medical emergency, immediately call your physician or dial 911.

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