us/statute/42/416/l/2

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The term “early retirement age” means age 62 in the case of an old-age, wife’s, or husband’s insurance benefit, and age 60 in the case of a widow’s or widower’s insurance benefit.

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Whole section

▸rulespec code

Shown source

statutes/42/416/l.yaml

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Rules

old_age_early_retirement_age_years

Parameter

source: 42 USC 416(l)(2)

- name: old_age_early_retirement_age_years
  kind: parameter
  dtype: Integer
  unit: years
  source: 42 USC 416(l)(2)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/2
            excerpt: age 62 in the case of an old-age
  versions:
    - effective_from: '1983-04-20'
      formula: '62'

months_per_retirement_age_year

Parameter

source: 42 USC 416(l)(1); SSA age-increase factor is stated in twelfths of a year of months

- name: months_per_retirement_age_year
  kind: parameter
  dtype: Integer
  unit: months
  source: 42 USC 416(l)(1); SSA age-increase factor is stated in twelfths of a year of months
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: >-
              two-twelfths of the number of months in the period beginning with January 2000 and
              ending with December
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/guidance/ssa/cola/2026/federal-register/block-1
            excerpt: are exactly 12 times the monthly
  versions:
    - effective_from: '1983-04-20'
      formula: '12'

retirement_age_increase_months_per_transition_year

Parameter

source: 42 USC 416(l)(3)

- name: retirement_age_increase_months_per_transition_year
  kind: parameter
  dtype: Integer
  unit: months
  source: 42 USC 416(l)(3)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: two-twelfths of the number of months
  versions:
    - effective_from: '1983-04-20'
      formula: '2'

old_age_early_retirement_age_calendar_year

Derived

source: 42 USC 416(l)(2)

- name: old_age_early_retirement_age_calendar_year
  kind: derived
  entity: Person
  dtype: Integer
  period: Year
  source: 42 USC 416(l)(2)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: definition
          source:
            corpus_citation_path: us/statute/42/416/l/2
            excerpt: The term "early retirement age" means age 62 in the case of an old-age
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#old_age_early_retirement_age_years
            output: old_age_early_retirement_age_years
            hash: sha256:local
  versions:
    - effective_from: '1983-04-20'
      formula: year_of_birth + old_age_early_retirement_age_years

retirement_age_tier_one_years

Parameter

source: 42 USC 416(l)(1)(A)

- name: retirement_age_tier_one_years
  kind: parameter
  dtype: Integer
  unit: years
  source: 42 USC 416(l)(1)(A)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: before January 1, 2000 , 65 years of age
  versions:
    - effective_from: '1983-04-20'
      formula: '65'

retirement_age_tier_three_years

Parameter

source: 42 USC 416(l)(1)(C)

- name: retirement_age_tier_three_years
  kind: parameter
  dtype: Integer
  unit: years
  source: 42 USC 416(l)(1)(C)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: before January 1, 2017 , 66 years of age
  versions:
    - effective_from: '1983-04-20'
      formula: '66'

retirement_age_tier_five_years

Parameter

source: 42 USC 416(l)(1)(E)

- name: retirement_age_tier_five_years
  kind: parameter
  dtype: Integer
  unit: years
  source: 42 USC 416(l)(1)(E)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: after December 31, 2021 , 67 years of age
  versions:
    - effective_from: '1983-04-20'
      formula: '67'

retirement_age_tier_two_start_year

Parameter

source: 42 USC 416(l)(3)(A)

- name: retirement_age_tier_two_start_year
  kind: parameter
  dtype: Integer
  unit: calendar_year
  source: 42 USC 416(l)(3)(A)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: the calendar years 2000 through 2004
  versions:
    - effective_from: '1983-04-20'
      formula: '2000'

retirement_age_tier_two_end_year

Parameter

source: 42 USC 416(l)(3)(A)

- name: retirement_age_tier_two_end_year
  kind: parameter
  dtype: Integer
  unit: calendar_year
  source: 42 USC 416(l)(3)(A)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: the calendar years 2000 through 2004
  versions:
    - effective_from: '1983-04-20'
      formula: '2004'

retirement_age_tier_four_start_year

Parameter

source: 42 USC 416(l)(3)(B)

- name: retirement_age_tier_four_start_year
  kind: parameter
  dtype: Integer
  unit: calendar_year
  source: 42 USC 416(l)(3)(B)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: the calendar years 2017 through 2021
  versions:
    - effective_from: '1983-04-20'
      formula: '2017'

retirement_age_tier_four_end_year

Parameter

source: 42 USC 416(l)(3)(B)

- name: retirement_age_tier_four_end_year
  kind: parameter
  dtype: Integer
  unit: calendar_year
  source: 42 USC 416(l)(3)(B)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: the calendar years 2017 through 2021
  versions:
    - effective_from: '1983-04-20'
      formula: '2021'

retirement_age_total_months

Derived

source: 42 USC 416(l)(1), 416(l)(3)

- name: retirement_age_total_months
  kind: derived
  entity: Person
  dtype: Integer
  period: Year
  source: 42 USC 416(l)(1), 416(l)(3)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: before January 1, 2000 , 65 years of age
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: >-
              after December 31, 1999 , and before January 1, 2005 , 65 years of age plus the number
              of months
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: after December 31, 2004 , and before January 1, 2017 , 66 years of age
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: >-
              after December 31, 2016 , and before January 1, 2022 , 66 years of age plus the number
              of months
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: after December 31, 2021 , 67 years of age
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: two-twelfths of the number of months in the period beginning with January 2000
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: two-twelfths of the number of months in the period beginning with January 2017
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_one_years
            output: retirement_age_tier_one_years
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_three_years
            output: retirement_age_tier_three_years
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_five_years
            output: retirement_age_tier_five_years
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_two_start_year
            output: retirement_age_tier_two_start_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_two_end_year
            output: retirement_age_tier_two_end_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_four_start_year
            output: retirement_age_tier_four_start_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_four_end_year
            output: retirement_age_tier_four_end_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#months_per_retirement_age_year
            output: months_per_retirement_age_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_increase_months_per_transition_year
            output: retirement_age_increase_months_per_transition_year
            hash: sha256:local
  versions:
    - effective_from: '1983-04-20'
      formula: >-
        if old_age_early_retirement_age_calendar_year < retirement_age_tier_two_start_year:
        retirement_age_tier_one_years * months_per_retirement_age_year else: if
        old_age_early_retirement_age_calendar_year <= retirement_age_tier_two_end_year:
        retirement_age_tier_one_years * months_per_retirement_age_year +
        retirement_age_increase_months_per_transition_year *
        (old_age_early_retirement_age_calendar_year - (retirement_age_tier_two_start_year - 1))
        else: if old_age_early_retirement_age_calendar_year < retirement_age_tier_four_start_year:
        retirement_age_tier_three_years * months_per_retirement_age_year else: if
        old_age_early_retirement_age_calendar_year <= retirement_age_tier_four_end_year:
        retirement_age_tier_three_years * months_per_retirement_age_year +
        retirement_age_increase_months_per_transition_year *
        (old_age_early_retirement_age_calendar_year - (retirement_age_tier_four_start_year - 1))
        else: retirement_age_tier_five_years * months_per_retirement_age_year

retirement_age_year_component

Derived

source: 42 USC 416(l)(1)

- name: retirement_age_year_component
  kind: derived
  entity: Person
  dtype: Integer
  period: Year
  source: 42 USC 416(l)(1)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: The term "retirement age" means
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_total_months
            output: retirement_age_total_months
            hash: sha256:local
  versions:
    - effective_from: '1983-04-20'
      formula: floor(retirement_age_total_months / months_per_retirement_age_year)

retirement_age_month_component

Derived

source: 42 USC 416(l)(1)

- name: retirement_age_month_component
  kind: derived
  entity: Person
  dtype: Integer
  period: Year
  source: 42 USC 416(l)(1)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: plus the number of months in the age increase factor
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_total_months
            output: retirement_age_total_months
            hash: sha256:local
  versions:
    - effective_from: '1983-04-20'
      formula: retirement_age_total_months - retirement_age_year_component * months_per_retirement_age_year

loading…

us/statute/42/416/l/2 · Axiom

Official source

The term “early retirement age” means age 62 in the case of an old-age, wife’s, or husband’s insurance benefit, and age 60 in the case of a widow’s or widower’s insurance benefit.

in view

Whole section

▸rulespec code

Shown source

statutes/42/416/l.yaml

Displaying the canonical repository encoding.

This encoding covers the parent provision us/statute/42/416/l; no dedicated encoding exists for this exact provision yet.

View on GitHub

Rules

old_age_early_retirement_age_years

Parameter

source: 42 USC 416(l)(2)

- name: old_age_early_retirement_age_years
  kind: parameter
  dtype: Integer
  unit: years
  source: 42 USC 416(l)(2)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/2
            excerpt: age 62 in the case of an old-age
  versions:
    - effective_from: '1983-04-20'
      formula: '62'

months_per_retirement_age_year

Parameter

source: 42 USC 416(l)(1); SSA age-increase factor is stated in twelfths of a year of months

- name: months_per_retirement_age_year
  kind: parameter
  dtype: Integer
  unit: months
  source: 42 USC 416(l)(1); SSA age-increase factor is stated in twelfths of a year of months
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: >-
              two-twelfths of the number of months in the period beginning with January 2000 and
              ending with December
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/guidance/ssa/cola/2026/federal-register/block-1
            excerpt: are exactly 12 times the monthly
  versions:
    - effective_from: '1983-04-20'
      formula: '12'

retirement_age_increase_months_per_transition_year

Parameter

source: 42 USC 416(l)(3)

- name: retirement_age_increase_months_per_transition_year
  kind: parameter
  dtype: Integer
  unit: months
  source: 42 USC 416(l)(3)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: two-twelfths of the number of months
  versions:
    - effective_from: '1983-04-20'
      formula: '2'

old_age_early_retirement_age_calendar_year

Derived

source: 42 USC 416(l)(2)

- name: old_age_early_retirement_age_calendar_year
  kind: derived
  entity: Person
  dtype: Integer
  period: Year
  source: 42 USC 416(l)(2)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: definition
          source:
            corpus_citation_path: us/statute/42/416/l/2
            excerpt: The term "early retirement age" means age 62 in the case of an old-age
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#old_age_early_retirement_age_years
            output: old_age_early_retirement_age_years
            hash: sha256:local
  versions:
    - effective_from: '1983-04-20'
      formula: year_of_birth + old_age_early_retirement_age_years

retirement_age_tier_one_years

Parameter

source: 42 USC 416(l)(1)(A)

- name: retirement_age_tier_one_years
  kind: parameter
  dtype: Integer
  unit: years
  source: 42 USC 416(l)(1)(A)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: before January 1, 2000 , 65 years of age
  versions:
    - effective_from: '1983-04-20'
      formula: '65'

retirement_age_tier_three_years

Parameter

source: 42 USC 416(l)(1)(C)

- name: retirement_age_tier_three_years
  kind: parameter
  dtype: Integer
  unit: years
  source: 42 USC 416(l)(1)(C)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: before January 1, 2017 , 66 years of age
  versions:
    - effective_from: '1983-04-20'
      formula: '66'

retirement_age_tier_five_years

Parameter

source: 42 USC 416(l)(1)(E)

- name: retirement_age_tier_five_years
  kind: parameter
  dtype: Integer
  unit: years
  source: 42 USC 416(l)(1)(E)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: after December 31, 2021 , 67 years of age
  versions:
    - effective_from: '1983-04-20'
      formula: '67'

retirement_age_tier_two_start_year

Parameter

source: 42 USC 416(l)(3)(A)

- name: retirement_age_tier_two_start_year
  kind: parameter
  dtype: Integer
  unit: calendar_year
  source: 42 USC 416(l)(3)(A)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: the calendar years 2000 through 2004
  versions:
    - effective_from: '1983-04-20'
      formula: '2000'

retirement_age_tier_two_end_year

Parameter

source: 42 USC 416(l)(3)(A)

- name: retirement_age_tier_two_end_year
  kind: parameter
  dtype: Integer
  unit: calendar_year
  source: 42 USC 416(l)(3)(A)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: the calendar years 2000 through 2004
  versions:
    - effective_from: '1983-04-20'
      formula: '2004'

retirement_age_tier_four_start_year

Parameter

source: 42 USC 416(l)(3)(B)

- name: retirement_age_tier_four_start_year
  kind: parameter
  dtype: Integer
  unit: calendar_year
  source: 42 USC 416(l)(3)(B)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: the calendar years 2017 through 2021
  versions:
    - effective_from: '1983-04-20'
      formula: '2017'

retirement_age_tier_four_end_year

Parameter

source: 42 USC 416(l)(3)(B)

- name: retirement_age_tier_four_end_year
  kind: parameter
  dtype: Integer
  unit: calendar_year
  source: 42 USC 416(l)(3)(B)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: amount
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: the calendar years 2017 through 2021
  versions:
    - effective_from: '1983-04-20'
      formula: '2021'

retirement_age_total_months

Derived

source: 42 USC 416(l)(1), 416(l)(3)

- name: retirement_age_total_months
  kind: derived
  entity: Person
  dtype: Integer
  period: Year
  source: 42 USC 416(l)(1), 416(l)(3)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: before January 1, 2000 , 65 years of age
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: >-
              after December 31, 1999 , and before January 1, 2005 , 65 years of age plus the number
              of months
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: after December 31, 2004 , and before January 1, 2017 , 66 years of age
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: >-
              after December 31, 2016 , and before January 1, 2022 , 66 years of age plus the number
              of months
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: after December 31, 2021 , 67 years of age
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: two-twelfths of the number of months in the period beginning with January 2000
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/3
            excerpt: two-twelfths of the number of months in the period beginning with January 2017
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_one_years
            output: retirement_age_tier_one_years
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_three_years
            output: retirement_age_tier_three_years
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_five_years
            output: retirement_age_tier_five_years
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_two_start_year
            output: retirement_age_tier_two_start_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_two_end_year
            output: retirement_age_tier_two_end_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_four_start_year
            output: retirement_age_tier_four_start_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_tier_four_end_year
            output: retirement_age_tier_four_end_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#months_per_retirement_age_year
            output: months_per_retirement_age_year
            hash: sha256:local
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_increase_months_per_transition_year
            output: retirement_age_increase_months_per_transition_year
            hash: sha256:local
  versions:
    - effective_from: '1983-04-20'
      formula: >-
        if old_age_early_retirement_age_calendar_year < retirement_age_tier_two_start_year:
        retirement_age_tier_one_years * months_per_retirement_age_year else: if
        old_age_early_retirement_age_calendar_year <= retirement_age_tier_two_end_year:
        retirement_age_tier_one_years * months_per_retirement_age_year +
        retirement_age_increase_months_per_transition_year *
        (old_age_early_retirement_age_calendar_year - (retirement_age_tier_two_start_year - 1))
        else: if old_age_early_retirement_age_calendar_year < retirement_age_tier_four_start_year:
        retirement_age_tier_three_years * months_per_retirement_age_year else: if
        old_age_early_retirement_age_calendar_year <= retirement_age_tier_four_end_year:
        retirement_age_tier_three_years * months_per_retirement_age_year +
        retirement_age_increase_months_per_transition_year *
        (old_age_early_retirement_age_calendar_year - (retirement_age_tier_four_start_year - 1))
        else: retirement_age_tier_five_years * months_per_retirement_age_year

retirement_age_year_component

Derived

source: 42 USC 416(l)(1)

- name: retirement_age_year_component
  kind: derived
  entity: Person
  dtype: Integer
  period: Year
  source: 42 USC 416(l)(1)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: The term "retirement age" means
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_total_months
            output: retirement_age_total_months
            hash: sha256:local
  versions:
    - effective_from: '1983-04-20'
      formula: floor(retirement_age_total_months / months_per_retirement_age_year)

retirement_age_month_component

Derived

source: 42 USC 416(l)(1)

- name: retirement_age_month_component
  kind: derived
  entity: Person
  dtype: Integer
  period: Year
  source: 42 USC 416(l)(1)
  metadata:
    proof:
      atoms:
        - path: versions[0].formula
          kind: formula
          source:
            corpus_citation_path: us/statute/42/416/l/1
            excerpt: plus the number of months in the age increase factor
        - path: versions[0].formula
          kind: import
          import:
            target: us:statutes/42/416/l#retirement_age_total_months
            output: retirement_age_total_months
            hash: sha256:local
  versions:
    - effective_from: '1983-04-20'
      formula: retirement_age_total_months - retirement_age_year_component * months_per_retirement_age_year