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Policy and Systems

 

 

 
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Tier I Reductions for Nonrailroad Earnings Before You Attain Full Retirement Age

Tier I Reductions for Nonrailroad Earnings Before You Attain Full Retirement Age

 

This section only concerns Tier I component, vested dual benefit (VDB) or Special Guaranty reductions for age and service annuitants and their families. Tier II reductions for Last Pre-retirement Non-railroad Employer (LPE) and the rules for disability annuitants are explained in other sections of this publication.

Your Tier I components are not reduced for your nonrailroad earnings if you are receiving social security benefits.

  • Read more about Tier I Reductions for Nonrailroad Earnings Before You Attain Full Retirement Age

Nonrailroad Earnings After You Attain Full Retirement Age

Nonrailroad Earnings After You Attain Full Retirement Age

 

This section applies to annuities based on age and service and disability annuities. For months after you have attained Full Retirement Age (FRA), your Tier I component is not subject to reductions because of your nonrailroad earnings.

Determining Your Full Retirement Age

  • Read more about Nonrailroad Earnings After You Attain Full Retirement Age

Railroad Work

Railroad Work

 

You must notify the RRB immediately if you go to work in the railroad industry. Do not wait for your employer to notify the RRB.

If you are the employee annuitant, your regular annuity, or any supplemental annuity cannot be paid for any month in which you work for a railroad employer. This law applies no matter how old you are or how much money you earn from that work.

If you are the spouse annuitant, your annuity is not payable for any month you work for a railroad or for any month the employee annuitant returns to railroad work.

  • Read more about Railroad Work

Non-covered Service Pensions (NCSP) and Public Service Pensions (PSP)

Non-covered Service Pensions (NCSP) and Public Service Pensions (PSP)

 

The NCSP reduction and PSP offset, enacted in 1983 and 1977 respectively, were intended to equalize social security benefit formulas for railroad retirees and their spouses with similar earnings histories, regardless of whether social security taxes were paid on those earnings. The NCSP reduction reduced the individual’s primary insurance amount (PIA), which is calculated based on the individual’s lifetime earnings and determines the monthly Tier I component amount.

  • Read more about Non-covered Service Pensions (NCSP) and Public Service Pensions (PSP)

Social Security Benefits

Social Security Benefits

 

The Tier I Benefit component amount of your employee, spouse or divorced spouse annuity already includes credit for the railroad worker's earnings covered by social security taxes. When you file for social security benefits (SS benefits), the RRB must reduce your Tier I component by the amount of SS benefits you receive.

  • Read more about Social Security Benefits

What to Report and Why

What to Report and Why

 

Your annuity entitlement and the amount payable to you each month is determined according to law and by the circumstances that exist on the date your annuity begins. Any later changes in those circumstances are very important. To guarantee correct payment of the benefits you are due, you must notify the RRB about all of the events that are described in this publication. They are:

  • Read more about What to Report and Why

How to Report

How to Report

 

You may call, visit, or write to any RRB office. In most cases, your reporting can be completely handled by telephone. If you plan to personally visit one of the RRB offices, please call for an appointment. You will not be refused service if you do not make an appointment, but the RRB staff may be better able to assist you when an appointment is made. The hours RRB offices are open to the public can be found on our website at www.rrb.gov/Field-Office-Locator or by calling 877-772-5772.

  • Read more about How to Report

Introduction

Introduction

 

This publication describes the different events that can affect your annuity under the Railroad Retirement Act (RRA).

Whether you are receiving your own annuity, or you receive payments on behalf of another person, it is your responsibility to be aware of these events and to notify the Railroad Retirement Board (RRB) immediately when any apply to you.

  • Read more about Introduction

Employee and Spouse Annuities Events that Must Be Reported

Employee and Spouse Annuities Events that Must Be Reported

 

  • Read more about Employee and Spouse Annuities Events that Must Be Reported

Paperwork Reduction & Privacy Act Notice

Paperwork Reduction & Privacy Act Notice

 

This notice is given under the Paperwork Reduction Act of 1995 and the Privacy Act of 1974. The Privacy Act requires that the Railroad Retirement Board (RRB) tell you the following whenever we ask you for information.

  • Read more about Paperwork Reduction & Privacy Act Notice

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