Here’s everything you need to know about the SSA Full Retirement Age criteria and other Social Security policy changes in 2025.

Since income earned above the wage base limit is not subject to Social Security payroll taxes, it's also not considered when calculating monthly benefits. To be eligible for the maximum benefit, you must earn at least the wage base limit for 35 years, which is the period of time Social Security will consider when calculating your monthly benefit.

The full retirement age for Social Security – the age in which you get 100% of the program's benefits – has risen over recent years.