Many railroad workers and annuitants want to know how their railroad retirement benefits are calculated.
The following describes the various components of a railroad retirement annuity, defines terms, and explains the calculation of each component. It also provides various tables at the end to help individuals understand how their annuities are calculated.
The calculation of annuities is presented in general terms. For specific cases, please contact your local Railroad Retirement Board office. Addresses and telephone numbers of Railroad Retirement Board offices are listed in telephone directories with other U.S. Government agencies. They are also available by calling the Railroad Retirement Board toll free at 877-772-5772 or by visiting the Railroad Retirement Board's Web site.