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Policy and Systems

 

 

 
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Office Email
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Medicare Coverage

Medicare Coverage

 

General Information About Medicare

Medicare is a two part Federal health insurance program, administered by the Centers for Medicare & Medicaid Services (CMS), for people who are age 65 or older; who are totally and permanently disabled, or who have permanent kidney failure. One part of Medicare is Hospital Insurance (also known as Part A). The other part is Medical Insurance (also known as Part B).

  • Read more about Medicare Coverage

Deductions for Other Federal Programs

Deductions for Other Federal Programs

 

This section explains deductions from your monthly annuity for other Federal programs.

  • Read more about Deductions for Other Federal Programs

Public Service Pensions

Public Service Pensions

 

General

Any "Public Service Pension" (PSP) payable to you may have an effect on the amount of your spouse annuity Tier 1 component or your divorced spouse annuity. A PSP is retirement pay you receive for public service employment. This may either be monthly payments or a lump-sum payment. It may be administered by a government agency or a private insurance company.

  • Read more about Public Service Pensions

Other Railroad Retirement Annuities

Other Railroad Retirement Annuities

 

If you are entitled to more than one Railroad Retirement Act (RRA) annuity, the other RRA annuity can have an effect on your spouse or divorced spouse annuity.

Spouse Annuity

If you are entitled to both an RRA employee annuity based on your own earnings record, and an RRA spouse annuity based on a different earnings record, the reduction to your RRA spouse annuity depends on whether or not there is railroad service before January 1, 1975 on either earnings record:

  • Read more about Other Railroad Retirement Annuities

Social Security Benefits

Social Security Benefits

 

If you are entitled to Social Security (SS) benefits based on any wage record, your spouse annuity tier I component or your divorced spouse annuity will be offset for those SS benefits (before any withholding under the SS Act for your earnings over the Annual Earnings Exempt Amount). This is why your SS benefits are certified to the RRB for payment. If you have already filed for your SS benefits, it is important to include the SS benefit information on your annuity application.

  • Read more about Social Security Benefits

Reductions for Other Benefits

Reductions for Other Benefits

 

  • Read more about Reductions for Other Benefits

Spouse Tier II Component Work Deductions

Spouse Tier II Component Work Deductions

 

Employee annuitants must report earnings from their own Last Pre-Retirement Nonrailroad Employer (LPE). They are charged work deductions against their tier II components and their supplemental annuities, if any, and the tier II components of spouses entitled on their earnings records.

  • Read more about Spouse Tier II Component Work Deductions

Last Pre-Retirement Employment (LPE)

Last Pre-Retirement Employment (LPE)

 

Definition

Your Last Pre-Retirement Nonrailroad Employment (LPE) is defined as any nonrailroad individual, company or institution for whom you are working on the date your spouse annuity begins or for whom you stopped working in order to receive an annuity. Even work for which you are paid minimal earnings can be LPE. A few exceptions for types of nonrailroad work are listed below.

  • Read more about Last Pre-Retirement Employment (LPE)

Self-Employment and Other Nonrailroad Work

Self-Employment and Other Nonrailroad Work

 

Earnings from nonrailroad employment, including self-employment, after you annuity beginning date may cause work deductions. Nonrailroad work is any job that is not in the railroad industry. This includes work for a Canadian railroad, which is not covered under the Railroad Retirement Act, and work as an elected or appointed public official.

  • Read more about Self-Employment and Other Nonrailroad Work

Deductions For Earnings

Deductions For Earnings

 

A spouse annuity is not payable for any month in which you are or the employee is in railroad service. In addition, nonrailroad earnings after your Annuity Beginning Date can have an effect on your annuity computation.
 
A divorced spouse annuity is not payable for any month in which you are in railroad service.

  • Read more about Deductions For Earnings

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U.S. Railroad Retirement Board
William O. Lipinski Federal Building
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