Social Security's full retirement age is increasing in 2025. Here's what to know.

Most Americans may consider the standard retirement age to be 65, but the so-called "full retirement age" for Social Security is already older than that — and it's about to hit an even higher age in 2025. 

Social Security's full retirement age (FRA) refers to when workers can start claiming their full benefits, which is based on the number of years they've worked as well as their income during their working years. The longer someone works and the higher their income, the more they can receive from Social Security when they finally claim their benefits.

While the FRA used to be 65 years old, Congress overhauled the program in 1983 to raise the retirement age threshold in order to account for longer life expectancies.