India, July 4 -- The full retirement age (FRA) for Social Security has officially stopped rising - at least for the time being. According to the Social Security Administration (SSA), that number now stands at 67 for anyone born in 1960 or later. For Americans nearing retirement, that age is now locked in unless Congress decides to make changes down the road. This final shift brings a decades-long process to a close. It all started with the 1983 amendments, which gradually pushed the retirement age up from 65 to 67. People born in 1960 are the first full group to be affected by this change.

Here's why this year matters: If you were born in 1959, your FRA is 66 years and 10 months. That means some people will officially hit their full reti...