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doi:10.18502/ijrm.v17i10.5296

Over the decades, however, a series of developments including the raising of the eligibility age for full Social Security benefits to age 67, as well as the broad replacement of defined benefit pension plans with defined contribution savings plans as the standard workplace retirement plan option have eroded the notion of 65 as the 'normal' retirement age, even though the cutoff date for Medicare coverage remains at 65 and many retirement calculators and financial planning software platforms still use 65 as the default retirement age