The term "Full Retirement Age (FRA)" means the age at which the spouse of an employee with less than 360 months of railroad service or a divorced spouse can receive a full annuity (not reduced for early retirement). FRA for persons who were born before January 2, 1938, is age 65. The FRA for persons born after January 1, 1938, will gradually increase over a 20-year period to age 67, as illustrated in the following chart:
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. |
(FRA also affects tier I component work deductions, regardless of the number of the employee's years of railroad service.)