This bill tells the Social Security Administration to use clearer, plainer words when talking about when people can start benefits and how the amount changes with age. The goal is to help people better understand how their monthly checks change depending on when they claim. All changes must show up in rules, guidance, and materials online and in print by January 1, 2027.

Key changes to terms:

• “Early eligibility age” will become “minimum monthly benefit age.”
• “Full retirement age” or “normal retirement age” will become “standard monthly benefit age.”
• The phrase “delayed retirement credit” will be dropped, and any mention of age 70 as the latest age for that credit will be replaced with “maximum monthly benefit age.”
  These updates are meant to make it easier to see how claiming earlier or later affects your monthly benefit amount.