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 Age Reductions
 Home
          Special Guaranty in Employee and Spouse Annuities
          Items That Affect Your Special Guaranty Increase
          Age Reductions
 Topics
    

      
              How The Special Guaranty Affects Your Annuity
          Who Can Be Included In The Family Group
          Applying For Your Special Guaranty Increase
          Items That Affect Your Special Guaranty Increase
                                Reductions Under The SS Act Formula
          Age Reductions
          Social Security Benefits Or Other Railroad Retirement Benefits
          Spouse Public Service Pension
          Earnings Of Disability Annuitants
          Definition Of Earnings
          Annual Earnings Exempt Amount
          Monthly Earnings Exempt Amount
          Non-Work Month
          Reduction For Earnings
          Garnishment For Alimony Or Child Support
          Imprisonment Or Confinement Due to A Conviction For A Criminal Offense
          Reporting Events To The RRB Age Reductions
							 
							
							
            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**

If you were born:
			then your FRA is:Before 1-2-1938
			651-2-1938 thru 1-1-1939
			65 and 2 months1-2-1939 thru 1-1-1940
			65 and 4 months1-2-1940 thru 1-1-1941
			65 and 6 months1-2-1941 thru 1-1-1942
			65 and 8 months1-2-1942 thru 1-1-1943
			65 and 10 months1-2-1943 thru 1-1-1955
			661-2-1955 thru 1-1-1956
			66 and 2 months1-2-1956 thru 1-1-1957
			66 and 4 months1-2-1957 thru 1-1-1958
			66 and 6 months1-2-1958 thru 1-1-1959
			66 and 8 months1-2-1959 thru 1-1-1960
			66 and 10 months1-2-1960 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.
        ‹ Reductions Under The SS Act Formula | 
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 Last updated: 05/12/2017