The 1983 Amendments changed the age at which people may receive unreduced widow(er)
benefits. Previously, unreduced benefits were payable in the month of attainment of
age 65. Beginning with those born after January 1, 1940 unreduced widow(er) benefits
are payable at different ages depending on the date of birth. The charts in RS 00615.003 show the full retirement age (FRA) at which unreduced benefits are payable. Instructions
in RS 00615.005 explain how to compute reduced benefits and explain why fractions must be used. These
charts use percentages and are to be used only for estimates of benefit amounts. They
were designed for use in helping members of the public understand the reduction process.
NOTE: Other factors such as the RIB-LIM and DRCs may cause a significant difference in