Full Retirement Age for Employees Who Have Less Than 360 Months of Railroad Service
The term Full Retirement Age (FRA) means the age at which an employee with less than 360 months of railroad service can receive a full annuity (not reduced for early retirement).
If you have less than 360 months of railroad service, this applies to you. FRA for your Tier 1 age reduction is age 65 if you were born before January 2, 1938. 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 |
| If your year of birth is: |
Then your Full Retirement Age is: |
| 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 due to earnings, regardless of your total years of railroad service.)