Age 65 is often a pivot point for retirement planning because it's when Medicare eligibility begins. However, for current near-retirees, it's not the finish line for Social Security. The average benefit for people who are 65 is $1,607.27 per month, according to December 2025 data from the Social Security Administration (SSA), the most recent figures available. This number is lower than the $2,088.79 overall average for all retired workers reported by the SSA as of September 2026. While you're eligible for health coverage at 65, your full retirement age (FRA) is 67 if you were born in 1960 or later. Claiming Social Security at 65 results in a permanent 13.33% reduction in your monthly benefit. Image source: Getty Images.
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