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Milestone dates

Important dates you'll want to be aware of when creating your plan.

Nancy Gates avatar
Written by Nancy Gates
Updated over a week ago
  • 26 Adult children may lose parents’ health insurance coverage under the Affordable Care Act

  • 50 Eligibility for Catch Up Contributions begins

  • 55 Eligibility for Distribution of 457 plans and SEPP begins

  • 59.5 Eligibility for Distribution of Qualified Plans (IRAs, 401Ks and 403b plans) begins on your 59.5th birthday

  • 60 Surviving Spouse eligibility begins for reduced Social Security benefit

  • 62 Eligibility for reduced Social Security benefit begins

  • 64 and 9 months Eligibility for coverage under Medicare. Medicare Enrollment begins 3 months before your 65th birthday and ends 3 months after your 65th birthday.

  • 65 Eligibility for non-medical withdrawals from HSA without penalty begins on your 65th birthday

  • 67 Eligibility for Full Social Security benefit

  • 70 Eligibility for Maximum Social Security benefit. Eligibility begins your birth month, your benefit starts the next month, and benefits are paid the month after they are due.

  • 70.5 QCDs may be taken after your 70.5th birthday

  • 72 RMD RMDs must be taken by April 1 of the year following the calendar year in which you reach age 72. In subsequent years the RMD must be taken by December 31.

You can view your personal milestones in the Retirement Income Projection Chart.

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