Text Version:

Survivor Earnings Restrictions

• Rail work -- Annuity not paid for any month with rail employment, including labor organizations
• Nonrail earnings -- Deductions apply if earnings over certain amounts
• Disabled widow(er)s (under age 60) and children -- No restrictions for nonrailroad work, but work could indicate recovery
  • All earnings must be reported

Notes:

• Earnings deductions apply to entire survivor annuity. However, there are no special restrictions on last pre-retirement nonrailroad employer.
• Limitations do not apply to beneficiaries full retirement age or older.
• Prior to year full retirement age attained:
  • Deduction is $1 for every $2 earned over annual exempt amount ($14,160 in 2011).
• In year full retirement age attained:
  • Deduction is $1 for every $3 earned over annual exempt amount ($37,680 in 2011).
  • However, earnings only considered through month before full retirement age attained.
• Deduction eliminated once full retirement age attained.
• In cases where the survivor is also a social security recipient, excess earnings deductions are coordinated between the Railroad Retirement Board and the Social Security Administration so that there is no double deduction.