Normal Retirement Age

The Normal Retirement Age represents the point in time (as defined by the pension plan) when the pensionholder (employee) can stop working and start receiving normal retirement benefits. The Present Value of the monthly benefit the pensionholder (employee) will receive is very sensitive to retirement age because it effects and determines the following:

  1. The time remaining until benefits commence (unless already retired).
  2. The future estimated lifetime of the pensionholder.
The laws for each State vary regarding the Normal Retirement Age. Some states use the (1) Earliest Age the employee can retire and receive unreduced benefits while other states assume it is (2) the employee-spouse’s age on the earliest date the employee-spouse can retire with a normal retirement and a full pension assuming the employee-spouse continues employment. Be sure to use the appropriate date for your state.

STATE NORMAL RETIREMENT AGE
ALABAMA: Earliest age the employee can retire and receive unreduced benefits.
ALASKA: Earliest age the employee can retire and receive unreduced benefits.
ARIZONA: Earliest age the employee can retire and receive unreduced benefits.
ARKANSAS: Earliest age the employee can retire and receive unreduced benefits.
CALIFORNIA: Earliest age the employee can retire and receive unreduced benefits.
COLORADO: The employee-spouse’s age on the earliest date the employee-spouse can retire with a normal retirement and a full pension assuming the employee-spouse continues employment after the Date of Dissolution.
CONNECTICUT: Earliest age the employee can retire and receive unreduced benefits.
DELAWARE: Earliest age the employee can retire and receive unreduced benefits.
DIST OF COLUMBIA: Earliest age the employee can retire and receive unreduced benefits.
FLORIDA: Earliest age the employee can retire and receive unreduced benefits.
GEORGIA: Earliest age the employee can retire and receive unreduced benefits.
HAWAII: Earliest age the employee can retire and receive unreduced benefits.
IDAHO: Earliest age the employee can retire and receive unreduced benefits.
ILLINOIS: The employee-spouse’s age on the earliest date the employee-spouse can retire with a normal retirement and a full pension assuming assuming the employee-spouse continues employment after the Date of Dissolution.
INDIANA: The most likely age the employee will retire based upon the parties circumstances, intentions and available evidence.
IOWA: Earliest age the employee can retire and receive unreduced benefits.
KANSAS: Earliest age the employee can retire and receive unreduced benefits.
KENTUCKY: Earliest age the employee can retire and receive unreduced benefits.
LOUISIANA: Earliest age the employee can retire and receive unreduced benefits.
MAINE: Earliest age the employee can retire and receive unreduced benefits.
MARYLAND: Earliest age the employee can retire and receive unreduced benefits.
MASSACHUSETTS: The most likely age the employee will retire based upon the parties circumstances, intentions and available evidence.
MICHIGAN: The most likely age the employee will retire based upon the parties circumstances, intentions and available evidence.
MINNESOTA: The most likely age the employee will retire based upon the parties circumstances, intentions and available evidence.
MISSISSIPPI: Earliest age the employee can retire and receive unreduced benefits.
MISSOURI: The most likely age the employee will retire based upon the parties circumstances, intentions and available evidence.
MONTANA: Earliest age the employee can retire and receive unreduced benefits.
NEBRASKA: Earliest age the employee can retire and receive unreduced benefits.
NEVADA: The employee-spouse’s age on the earliest date the employee-spouse can retire with a normal retirement and a full pension assuming the employee-spouse continues employment after the Date of Decree of Divorce.
NEW HAMPSHIRE: Earliest age the employee can retire and receive unreduced benefits.
NEW JERSEY: Earliest age the employee can retire and receive unreduced benefits.
NEW MEXICO: The employee-spouse’s age on the earliest date the employee-spouse can retire with a normal retirement and a full pension assuming the employee-spouse continues employment after the Date of Divorce.
NEW YORK: The most likely age the employee will retire based upon the parties circumstances, intentions and available evidence.
NORTH CAROLINA: Earliest age the employee can retire and receive unreduced benefits.
NORTH DAKOTA: Earliest age the employee can retire and receive unreduced benefits.
OHIO: The employee-spouse’s age on the earliest date the employee-spouse can retire with a normal retirement and a full pension assuming the employee-spouse continues employment after the Date of Complaint for Divorce.
OKLAHOMA: The employee-spouse’s age on the earliest date the employee-spouse can retire with a normal retirement and a full pension assuming the employee-spouse continues employment after the Date of Petition for Divorce.
OREGON: The employee-spouse’s age on the earliest date the employee-spouse can retire with a normal retirement and a full pension assuming the employee-spouse continues employment after the Date of Separation.
PENNSYLVANIA: Earliest age the employee can retire and receive unreduced benefits.
RHODE ISLAND: Earliest age the employee can retire and receive unreduced benefits.
SOUTH CAROLINA: Earliest age the employee can retire and receive unreduced benefits.
SOUTH DAKOTA: Earliest age the employee can retire and receive unreduced benefits.
TENNESEE: Earliest age the employee can retire and receive unreduced benefits.
TEXAS: Earliest age the employee can retire and receive unreduced benefits.
UTAH: The most likely age the employee will retire based upon the parties circumstances, intentions and available evidence.
VERMONT: Earliest age the employee can retire and receive unreduced benefits.
VIRGINIA: Earliest age the employee can retire and receive unreduced benefits.
WASHINGTON: Earliest age the employee can retire and receive unreduced benefits.
WEST VIRGINIA: Earliest age the employee can retire and receive unreduced benefits.
WISCONSIN: Earliest age the employee can retire and receive unreduced benefits.
WYOMING: Earliest age the employee can retire and receive unreduced benefits.


Suggested Reading
Pension Issues in Divorce Pension Issues in Divorce
When couples get divorced they must decide how to divide their property. Retirement benefits (pensions) often form a substantial part of the parties' total marital estate and many times are the largest single marital asset afforded the couple. Similar to other assets, pensions are typically divisible in cases of divorce to the extent that they are acquired during the period of marriage.

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PENSIONS PROBLEMATIC -- Pensions become problematic because, unlike cash in the bank or stocks and bonds, the rights to them involve 1) classification, 2) valuation and distribution, 3) qualified domestic relations orders (QDROs), and 5) miscellaneous areas of contention, including, for example, postdecree increases.

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