WHAT IS "FULL RETIREMENT AGE"? By Charles W. Forsythe, The Forsythe Firm, Huntsville, AL When dealing with Social Security matters, you hear the term "Full Retirement Age" (FRA) kicked around a lot. But what is Full Retirement Age ? Under Social Security regulations, FRA is the age at which you can receive a full old age pension (retirement benefit). It is also the age at which you can work while receiving Social Security and earn as much as you want with no Social Security penalty. Your FRA depends on your birthday. The following chart gives Full Retirement Age based on when you were born. This is what Social Security uses. YR. OF BIRTH / YOUR FRA 1938 – 65 years and 2 months · 1939 – 65 years and 4 months · 1940 – 65 years and 6 months · 1941 – 65 years and 8 months · 1942 – 65 years and 10 months · 1943 through 1954 – 66 years · 1955 – 66 years and 2 months · 1956 – 66 years a...
By Charles W. Forsythe The Forsythe Firm Huntsville, AL The hardest disabilities to get approved (for Social Security) are fibromyalgia, chronic fatigue syndrome, and mental health disorders like severe depression or anxiety. These conditions are difficult to get approved through government agencies like the Social Security Administration (SSA) because they rely heavily on self-reported patient symptoms rather than hard, objective laboratory tests. Why Invisible and Subjective Conditions Face Denials Lack of Objective Markers: Conditions like fibromyalgia or mental health issues do not show up on standard blood tests, X-rays, or imaging scans. Inconsistent Treatment Records: Claims are frequently denied if applicants miss doctor appointments, skip therapy, or fail to follow prescribed treatment plans over a long period. Proving Functional Limits: ,A diagnosis alone is not enough; applicants must prove through detailed medical files and doc...