The term Full Retirement Age (FRA), for entitlement based on age, means the age at which you and your spouse can receive a full Special Guaranty benefit (not reduced for early retirement). Since the Special Guaranty is an SS Act calculation, the deeming provisions for 60/30 annuities under the RRA will not apply to this calculation.
Determining Your Full Retirement Age
| Before 1-2-1938 |
65 |
| 1-2-1938 thru 1-1-1939 |
65 and 2 months |
| 1-2-1939 thru 1-1-1940 |
65 and 4 months |
| 1-2-1940 thru 1-1-1941 |
65 and 6 months |
| 1-2-1941 thru 1-1-1942 |
65 and 8 months |
| 1-2-1942 thru 1-1-1943 |
65 and 10 months |
| 1-2-1943 thru 1-1-1955 |
66 |
| 1-2-1955 thru 1-1-1956 |
66 and 2 months |
| 1-2-1956 thru 1-1-1957 |
66 and 4 months |
| 1-2-1957 thru 1-1-1958 |
66 and 6 months |
| 1-2-1958 thru 1-1-1959 |
66 and 8 months |
| 1-2-1959 thru 1-1-1960 |
66 and 10 months |
| 1-2-1960 and later |
67 |
If you are not entitled based on disability, your employee Special Guaranty benefit will be reduced by 1/180 for each of the first 36 months you are under FRA and 1/240 for each additional month you are under FRA when the Special Guaranty rate begins.
If your spouse is not entitled based on a child-in-care, the spouse Special Guaranty rate is reduced by 1/144 for each of the first 36 months your spouse is under FRA and 1/240 for each additional month your spouse is under FRA when the Special Guaranty rate begins.