Here's the Average Social Security Benefit at Age 65

As of December 2025, the average benefit for people aged 65 is $1,607.27 per month, according to the Social Security Administration (SSA). This age is a popular option because it's when you're eligible for Medicare, but it's no longer the age at which you receive a full Social Security check. For everyone born in 1960 or later, full retirement age (FRA) is 67.

If your full retirement age is 67, claiming at 65 means a permanent 13.33% reduction in your monthly payment. You're essentially choosing to receive checks two years before reaching your baseline.

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