Policy and Systems

Spouse Marriage Requirement

Your spouse can be included in the Special Guaranty computation if your spouse meets one of the following marriage requirements. Your spouse:

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When the Special Guaranty Increase Is No Longer Payable

Effective the month the regular RRA annuity computation exceeds the Special Guaranty rate, in other than work deduction cases, the Special Guaranty rate will no longer be payable. This could occur:

when family members become entitled to other benefits (see Part IV); or,
due to terminating events for family members (see Part V).

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How The Special Guaranty Is Paid

If both you and your spouse are entitled to RRA annuities, the Special Guaranty increase is divided between the employee and spouse annuities. You receive 2/3 of the family total (excluding any divorced spouse) as your monthly annuity rate. Your spouse receives 1/3 of the family total (excluding any divorced spouse) as the spouse monthly annuity rate.

If you are not married, or your spouse does not meet the requirements for an RRA spouse annuity, the total family rate (excluding a divorced spouse) is paid to you as your annuity rate.

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When The Increase Can Begin Based On Age

The increase can begin the later of:

your annuity beginning date;
the first full month you are age 62; or,
the first full month your spouse, who was married to you on your employee annuity beginning date, is age 62 and meets the other spouse eligibility requirements.

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When The Increase Can Begin Based On Disability Freeze

The RRA limits the times when your annuity can be tested for the Special Guaranty increase.

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Special Guaranty Based On Age

You may be entitled to the Special Guaranty computation based on age if you have attained age 62 for a full month and you have an SS Act Insured Status. See booklet RB-1, "Employee Age and Service Annuities" for an explanation of SS Act Insured Status.

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Special Guaranty Based on Disability

You may be entitled to the Special Guaranty computation at any age if you are eligible for a disability freeze under SS Act rules. It means that:

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What The Special Guaranty Provision Means

The Special Guaranty provision of the Railroad Retirement Act (RRA) states that the total monthly benefits payable (including any vested dual benefits but excluding any supplemental annuity) to you and your family will not be less than the monthly amount which would be payable under the Social Security Act (SS Act) if railroad service after 1936 were credited as "employment" under the SS Act.

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Notices

Fraud and Abuse Hotline

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Office Hours

If you wish, you may also call or visit the RRB field office nearest you. Most RRB offices are open from 9:00 a.m. to 3:00 p.m. If you plan on visiting an RRB office, please call for an appointment so that we can better serve you.

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