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Policy and Systems

 

 

 
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Deductions for Earnings

Deductions for Earnings

 

Your annuity is not payable for any month in which you are in railroad service. In addition, nonrailroad earnings after your annuity beginning date may affect your annuity computation.

If you are filing for a disability annuity, refer to the earnings restrictions in booklet RB-1D, "Employee Disability Benefits".

Otherwise, the age and service annuity tier I and tier II deductions for earnings are explained below.

  • Read more about Deductions for Earnings

Age Reductions For Employees Who Have Less Than 360 Months of Railroad Service

Age Reductions For Employees Who Have Less Than 360 Months of Railroad Service

 

Tier 1 Component Age Reduction

Your employee annuity Tier 1 component age reduction depends on your total years of railroad service.

  • Read more about Age Reductions For Employees Who Have Less Than 360 Months of Railroad Service

Reporting Events To The RRB

Reporting Events To The RRB

 

Work Performed By You Or Another Family Member

The RRB will receive an annual report of your non-railroad earnings from a tape match with the Social Security Administration (SSA).

You should report your earnings or the earnings of another family member included in the Special Guaranty when:

  • Read more about Reporting Events To The RRB

Imprisonment Or Confinement Due to A Conviction For A Criminal Offense

Imprisonment Or Confinement Due to A Conviction For A Criminal Offense

 

The amount of your Special Guaranty increase may be affected if you are, or another family member is, imprisoned or under a sentence of confinement due to a conviction for a criminal offense.

Exception: Benefits may continue to be paid to disabled employees or to disabled children who are actively and satisfactorily participating in a rehabilitation program through which they are expected to engage in substantial gainful activity within a reasonable period after release.

  • Read more about Imprisonment Or Confinement Due to A Conviction For A Criminal Offense

Full Retirement Age for Employees Who Have Less Than 360 Months of Railroad Service

Full Retirement Age for Employees Who Have Less Than 360 Months of Railroad Service

 

The term Full Retirement Age (FRA) means the age at which an employee with less than 360 months of railroad service can receive a full annuity (not reduced for early retirement).

If you have less than 360 months of railroad service, this applies to you. FRA for your Tier 1 age reduction is age 65 if you were born before January 2, 1938. The FRA for persons born after January 1, 1938, will gradually increase over a 20-year period to age 67, as illustrated in the following chart.

  • Read more about Full Retirement Age for Employees Who Have Less Than 360 Months of Railroad Service

Basic Formula

Basic Formula

 

Regular railroad retirement annuities are calculated under the following two-tier formula:

Tier I Component

  • Read more about Basic Formula

Age Reductions For Employees Who Have Less Than 360 Months Service

Age Reductions For Employees Who Have Less Than 360 Months Service

 

  • Read more about Age Reductions For Employees Who Have Less Than 360 Months Service

The Effects of a Separation Allowance After Your Date Last Worked

The Effects of a Separation Allowance After Your Date Last Worked

 

This section concerns payments that you may receive from your employer after the actual date you last performed service for the railroad, but after you resigned and relinquished your rights to railroad employment. These payments do not have an effect on your annuity beginning date.

Under the Railroad Retirement Act, a Separation Allowance is compensation paid, from railroad operating funds, to an employee who agrees to relinquish job rights to obtain the payment. The payment can be made in a lump sum or in periodic installment payments.

  • Read more about The Effects of a Separation Allowance After Your Date Last Worked

The Effects of Dismissal Allowance, Pay For Time Lost and Some Types of Vacation Pay

The Effects of Dismissal Allowance, Pay For Time Lost and Some Types of Vacation Pay

 

This section concerns payments that you may receive from your employer after the actual date you last performed service for the railroad, but while you were still carried on their payroll. These payments can have an effect on your annuity beginning date.

Definitions

  • Read more about The Effects of Dismissal Allowance, Pay For Time Lost and Some Types of Vacation Pay

The Effects of Unemployment or Sickness Benefits After Your Date Last Worked

The Effects of Unemployment or Sickness Benefits After Your Date Last Worked

 

Benefits Under the Railroad Unemployment Insurance Act

Provided you meet the eligibility requirements, you may receive benefits under the Railroad Unemployment Insurance Act (RUIA) after your actual date last worked. These benefits have no effect on your annuity beginning date. Your annuity can begin as early as the day after your actual date last worked. However, any RUIA benefits paid to you after your annuity beginning date will be recovered from your annuity accrual.

Sick Pay Under Certain Wage Continuation Plans

  • Read more about The Effects of Unemployment or Sickness Benefits After Your Date Last Worked

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