Text Version: Tier I Tier I approximates social security benefit payable if all work were performed under SSA Employees with 10 years (120 months) of railroad service eligible for tier I Employees with 5 years (60 months) of railroad service after 1995 but less than 10 years can receive tier I if they are also insured under SSA based on combined railroad/social security earnings

Notes:

• Each annuity is made up of one or more components called tiers.
• Social security credits combined with railroad retirement credits in computing tier I.
  • calculated using social security formulas
  • reduced for age if required
  • reduced for social security benefits
  • may be reduced for certain pensions from work not covered by social security after 1956, for those first eligible for a railroad retirement annuity and a pension after 1985
  • if disability annuity and under age 65, may be reduced for workers' compensation or public disability benefits