Normal Retirement Age Just 55

[CuseFan]

You all clearly did not drink enough eggnog during Christmas, get your moose mugs back out and see if you can get it right by New Years!

[AndyH]

22 hours ago, Tom Poje said:

I didn't think you could change retirement age - you told someone he had full retirement at 55 not sure how you can take that away, even if you say "well, early retirement is the same thing"

lets suppose only new entrants have retirement age = 65.

since you would have non-uniform retirement age then the testing age would be the latest age which would be 65. not sure if there is a BRF issue if you did that.

off the top of my head, without looking it up, disparity age 65 generally adds 0.65 and at age 55 only adds 0.55, but that does depend on one's actual soc ret age.

..........

years ago one of lawyers from Corbel indicated the issue with testing on soc sec ret age (even if your document permitted it) is a BRF issue, and would generally fail if you have an HCE with soc sec ret age of 65 as you probably wouldn't have any NHCEs at that age.

Why not Tom?  DB World had to do that a few years ago when anything below 62 became all but banned.