Disability | RRB.Gov

Q&A: Comparison of Benefits Under Railroad Retirement and Social Security

Annuity rates under the Railroad Retirement Act (RRA) are generally higher than the benefit rates paid under the Social Security Act, especially for railroad employees who have 30 or more years of creditable railroad service. These higher rates can be attributed to the additional retirement taxes paid by employers and employees covered under the RRA.

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How Work Affects Your Disability Annuity

Work in the Railroad Industry - Your annuity cannot be paid when you work for a railroad or other employer in the railroad industry.

Earnings of More Than $1,320 (After Deductions of Disability-Related Expenses) From Any Work - Your annuity cannot be paid for any month you do any work and earn over $1,320 after deduction of disability-related work expenses. This earnings restriction applies until the month you reach full retirement age.

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