For decades, 65 was the magic number for full retirement benefits in the U.S. However, times have changed, and so have the rules. Now, to receive 100% of your Social Security check, you need to be older.

The Social Security program in the United States faces a looming financial crisis, with its trust fund projected to deplete by 2035. As Baby Boomers retire, the demographic imbalance threatens the program's sustainability,