The current full retirement age for Social Security is not 65. It is 66. For those born in 1960 or later, your retirement age is not 66, it is 67.
This post comes as a suggestion from reader DR, who suspects that most people still think of 65 as the normal retirement age. It’s not. You get Medicare at age 65. You can get 86.7 percent of your full Social Security benefits at age 65. But if you want full benefits, it’s age 66+ for the 12 percent of us born between 1950-59 and age 67 for the 73 percent of us born after that.
It is not age 65 for any of us.