Oh I got your point and my initial reply was spot on. The full retirement age is 67 and it will be pushed to 70 with a gradient just like the 22 year 65-67 gradient established in 2000. SS is projected to be insolvent in 2033. One of two things are going to have to happen and one is means testing which I see becoming real or increasing taxes exponentially. SS was created on the premise of the younger generations continually funding the pot as the older generations withdrew. Unfortunately the older generations are withdrawing more than they put in due to lifespan increases and lower younger generation input. Add to this the skimming off the top throughout the years by our fiscally irresponsible government for other agenda items not related to SS a now you have an insolvency crises. SS benefits should NOT be an issue when it comes to mandatory retirement ages because nobody knows, not even our lawmakers, of how to save the benefit. The only people that saw 100% return on SS was the first 1200 or so recipients decades ago.