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Additional Requirements for Annuities Based on 60-119 Months of Railroad Service with at Least 60 Months of Railroad Service After 1995

Additional Requirements for Annuities Based on 60-119 Months of Railroad Service with at Least 60 Months of Railroad Service After 1995

 

If the employee annuity is based on 60-119 months of railroad service with at least 60 months of railroad service after 1995, the employee must have a "Social Security (SS) Act Insured Status" on combined railroad earnings, creditable military service earnings, and social security earnings to qualify you for a spouse annuity tier I component or for a divorced spouse annuity. An SS Act Insured Status is based on Quarters of Coverage (QC).

  • Read more about Additional Requirements for Annuities Based on 60-119 Months of Railroad Service with at Least 60 Months of Railroad Service After 1995

Additional Requirements You Must Meet to Receive a Divorced Spouse Annuity

Additional Requirements You Must Meet to Receive a Divorced Spouse Annuity

 

In addition to the marriage requirements for a divorced spouse annuity and the age requirement for a divorced spouse annuity, the RRA states that, to qualify for a divorced spouse annuity, the following conditions must also apply:

  • Read more about Additional Requirements You Must Meet to Receive a Divorced Spouse Annuity

Annuity Based on Child-in-Care

Annuity Based on Child-in-Care

 

Spouse Annuity

A spouse may qualify for a full spouse annuity, based on having a child of the employee in care. The employee must have attained age 62 (or age 60 with 30 years of service) to qualify the spouse for this annuity. The child must be either:

  • Read more about Annuity Based on Child-in-Care

Divorced Spouse Annuity Age Requirements

Divorced Spouse Annuity Age Requirements

 

If the employee is not receiving an annuity, the employee must be at least age 62 for a full month.

If the employee is totally and permanently disabled with a disability freeze, the employee must be at least age 62. If the employee is receiving an age and service annuity or a disability annuity without a disability freeze, the employee must be at least age 62 for a full month.

You must have attained age 62 for a full month.

  • Read more about Divorced Spouse Annuity Age Requirements

Age Requirements For Spouse Annuity or Divorced Spouse Annuity

Age Requirements For Spouse Annuity or Divorced Spouse Annuity

 

The employee must be currently receiving an employee annuity and must attain a certain age in order for you to qualify for a spouse annuity or divorced spouse annuity. If the employee has attained the required age, you may then be eligible for a spouse annuity, regardless of your age, if you have the employee's Child-in-Care. Otherwise, your own age requirement is explained in this section.

  • Read more about Age Requirements For Spouse Annuity or Divorced Spouse Annuity

Divorced Spouse Annuity Marriage Requirements

Divorced Spouse Annuity Marriage Requirements

 

The marriage requirement for a divorced spouse annuity is met if your marriage ended by a final divorce decree and:

  1. you were legally married to the railroad employee for at least 10 consecutive years immediately preceding the date of your final divorce decree; and,
  2. you are divorced from that railroad employee; and,
  3. you are not currently married to anyone. (If you remarried after the divorce from the employee, the later marriage must have terminated.)
  • Read more about Divorced Spouse Annuity Marriage Requirements

Spouse Annuity Marriage Requirements

Spouse Annuity Marriage Requirements

 

In order to qualify for a spouse annuity, you must be the legal spouse of the railroad employee and you must have been legally married to the railroad employee for at least one year immediately prior to filing your spouse annuity application. The one-year marriage requirement is waived if any of the following conditions exist:

  • Read more about Spouse Annuity Marriage Requirements

Applying For Your Annuity

Applying For Your Annuity

 

A spouse annuity under the Railroad Retirement Act (RRA) is a monthly amount paid to the wife or husband of a retired railroad employee. A divorced spouse annuity under the RRA is a monthly amount paid to a person who is legally divorced from the employee. Included are the requirements you must meet to receive a spouse or divorced spouse annuity.

  • Read more about Applying For Your Annuity

Reminder

Reminder

 

A prompt report of any of the events described in this publication will allow the RRB to provide you with accurate and timely benefits and service. For your convenience, most of this reporting may be handled completely by telephone without a trip to the RRB field office. If additional action is required on your part, contact the nearest office of the RRB.

  • Read more about Reminder

Direct Deposit

Direct Deposit

 

An address change report does not change your direct deposit information. If you are changing bank accounts, or wish your payments to go to a different financial institution, you must tell the RRB your new account number and the new bank's routing number. (The routing number appears at the bottom of your new checks or the bank will give it to you.)

Do not close your old account until you receive the first RRB payment in your new account.

  • Read more about Direct Deposit

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