Railroad Retirement Act
January 2026 Cost-of-Living Increase
| Tier I Benefit | 2.8% |
| Tier II Benefit | 0.9% |
2026 Maximum Taxable Railroad Earnings
2026 Bend Points for Primary Insurance Amount Calculation
| 1st Bend Point | $1,286 |
| 2nd Bend Point | $7,749 |
2026 Bend Points for Family Maximum Calculation
| 1st Bend Point | $1,643 |
| 2nd Bend Point | $2,371 |
| 3rd Bend Point | $3,093 |
2026 Retirement Earnings Test Exempt Amounts
Less than full retirement age in calendar year
| Monthly | $2,040 |
| Annual | $24,480 |
Full retirement age attained in calendar year, for months prior to such attainment
| Monthly | $5,430 |
| Annual | $65,160 |
2026 Monthly Amounts For Substantial Gainful Activity
| Blind Beneficiaries | $2,830 |
| Non-Blind Disabled Beneficiaries | $1,690 |
Railroad Unemployment Insurance Act
| 2026 Monthly Compensation Base | $2,150.00 |
| 2026 Base Year Minimum Qualifying Compensation, and Other Items Equal to 2.5 Times the Monthly Compensation Base | $5,375.00 |
| 2026 Base Year Maximum Monthly Compensation Considered For Maximum Benefit Calculation | $2,777.00 |
Maximum Daily Benefit Rate for Benefit Year Beginning
| July 2026 | $103 |
| July 2027 | $107 |
Medicare