Divorced Spouse Annuity

RB-30 (4-16)

A divorced spouse annuity is limited to tier I component only. Regardless of the employee's total years of railroad service, your annuity is reduced by 1/144 for the first 36 months you are under Full Retirement Age (FRA) and by 1/240 for each additional month you are under FRA on your annuity beginning date. However, if you were entitled to a spouse annuity before your final divorce from the employee, any previous spouse annuity age reduction is applied to your divorced spouse annuity.

Summary of Divorced Spouse Age Reductions

If the employee is receiving an RRA employee annuity and has:	and the employee is at least:	your divorced spouse annuity can begin the first full month you are:	Your annuity will have an age reduction if you retire before attaining:
an SS Act Fully Insured Status based on combined railroad and SSA earnings (40 Quarters of Coverage for those born after 1928),	age 62 for a full month,	age 62,	your FRA.
an SS Act Disability Insured Status based on combined railroad and SSA earnings (disability freeze),	age 62,	age 62,	your FRA.

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