Eligibility Provisions - Less Than 30 Years' Service

• Spouse of employee who retired at 62 or over with less than 30 years’ service
  • Receives reduced annuity at 62
    or
  • Unreduced annuity at full retirement age (65-67*), or any age with child in care

  * Depending upon the spouse’s date of birth

Notes:

• If employee retired with less than 10 years of service, 5 of which are after 1995, reduced tier II benefit is payable to spouse at 62. Reduced tier I amount is only payable to spouse if employee had insured status under social security based on combined railroad and social security earnings.
• If employee has less than 10 years of railroad service and the spouse is already entitled to an age-reduced social security benefit, the age reduction in her or his tier I will be based on the age reduction applicable on the beginning date of the spouse’s social security benefit, even if the spouse is already of full retirement age on the beginning date of her or his railroad retirement annuity.