S. 1504 · Where this bill is now
In committee
Introduced in the Senate, Apr 29, 2025
What this bill does
In plain words · AI-written from the official summarySocial Security changes its benefit age terminology
The Social Security Administration would change the names it uses for key ages when you can claim retirement benefits. Instead of "early eligibility age," it would say "minimum monthly benefit age" for the earliest point you can claim. Instead of "full retirement age" or "normal retirement age," it would use "standard monthly benefit age" for the age where your benefit isn't reduced. And it would call age 70 the "maximum monthly benefit age" rather than referring to "delayed retirement credits."
How it affects you
If you're thinking about when to claim Social Security retirement benefits, you'd encounter these new terms on the SSA's website and materials. The ages themselves and the rules about how your benefits work wouldn't change—just the names the agency uses to describe them.
Read the official summary (Introduced in Senate, Apr 29, 2025)
Claiming Age Clarity Act
This bill changes certain terms that are used by the Social Security Administration (SSA) to describe the ages at which a worker may claim Social Security retirement benefits.
First, the SSA must use minimum monthly benefit age instead of early eligibility age . This refers to the earliest age (62 under current law) at which a worker may claim benefits. (Currently, the benefit amount of a worker who claims benefits early is reduced to account for the longer period during which the worker is expected to receive benefits.)
Second, the SSA must use standard monthly benefit age instead of full retirement age and normal retirement age . These terms refer to the age at which a worker may claim benefits without a reduction in the benefit amount. (Currently, this age ranges from 65 to 67, depending on the worker's year of birth.)
Finally, the SSA must use the term maximum monthly benefit age for any reference to age 70 as the maximum age at which a worker may receive delayed retirement credits. The SSA may not use the term delayed retirement credit. These terms refer to the mechanism that increases the benefit amount of a worker who delays claiming benefits after reaching the full retirement age. (Currently, a worker receives a credit for each month between the full retirement age and age 70 that the worker delays claiming benefits. Each credit increases the benefit amount that the worker will receive after claiming benefits by a specified percentage.)
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
1st SessionS. 1504
A BILL
Claiming Age Clarity Act
Sponsor: Sen. Bill Cassidy (R-LA) · Introduced Apr 29, 2025 · Social Welfare · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Apr 29, 2025: “Read twice and referred to the Committee on Finance.”