20 CFR § 228.16 - Adjustments in the age reduction factor (ARF).

---
identifier: "/us/cfr/t20/s228.16"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "20 CFR § 228.16 - Adjustments in the age reduction factor (ARF)."
title_number: 20
title_name: "Employees' Benefits"
section_number: "228.16"
section_name: "Adjustments in the age reduction factor (ARF)."
chapter_name: "RAILROAD RETIREMENT BOARD"
subchapter_number: "B"
subchapter_name: "REGULATIONS UNDER THE RAILROAD RETIREMENT ACT"
part_number: "228"
part_name: "COMPUTATION OF SURVIVOR ANNUITIES"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "45 U.S.C. 231f."
regulatory_source: "60 FR 16368, Mar. 30, 1995, unless otherwise noted."
cfr_part: "228"
---


# 228.16 Adjustments in the age reduction factor (ARF).

Upon the attainment of retirement age, the previously-computed age reduction factor is adjusted to remove those months for which a full annuity was not paid even though the individual was entitled.