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 Spouse Annuity Age Reduction When Employee Has Less Than 360 Months of Railroad Service
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          Spouse/Divorced Spouse Annuities
          Reductions for Early Retirement
          Spouse Annuity Age Reduction When Employee Has Less Than 360 Months of Railroad Service
 Topics
    

      
              Applying For Your Annuity
          When Your Annuity Can Begin
          Reductions for Early Retirement
                                Basic Formula
          Full Retirement Age For Spouse or Divorced Spouse
          Spouse Annuity Age Reduction When Employee Has Less Than 360 Months of Railroad Service
          Spouse Annuity When Employee Has At Least 360 Months of Railroad Service
          Divorced Spouse Annuity
          Deductions For Earnings
          Reductions for Other Benefits
          Deductions for Other Federal Programs
          After You Apply for Your Annuity
          Important Notices Spouse Annuity Age Reduction When Employee Has Less Than 360 Months of Railroad Service
							 
							
							
            RB-30
      
            (4-16)
      
            Please refer to the summary chart below to see if an age reduction applies to your spouse annuity.

**Tier I Component Age Reduction**

Your spouse tier I component age reduction depends on the employee's total years of railroad service.

Employee Has 60-119 Months of Railroad Service with at Least 60 Months of Railroad Service After 1995 - Your Tier 1 is reduced by 1/144 for the first 36 months you are under FRA and by 1/240 for each additional month you are under FRA on your RRA annuity beginning date (ABD), or if earlier, your social security benefit date of entitlement.
	Employee Has 120-359 Months of Railroad Service - Your tier I is reduced by 1/144 for the first 36 months you are under FRA and by 1/240 for each additional month you are under FRA on your annuity beginning date.**Tier II Component Age Reduction**

Your spouse tier II component age reduction depends on whether or not the employee had railroad service before August 12, 1983.

Employee Does Not Have Railroad Service Before August 12, 1983 - Your tier II is reduced by 1/144 for the first 36 months you are under FRA and by 1/240 for each additional month you are under FRA on your annuity beginning date.
	Employee Has Some Railroad Service Before August 12, 1983 - Your tier II is reduced by 1/144 for each month you are under age 65 on your annuity beginning date.**Spouse Age Requirements when Employee has 60-359 Months Railroad Service**

If the employee retired with an annuity beginning date:
			and the employee has attained:
			your spouse annuity can begin the first full month you are age 62. Your tier I will have an age reduction if you retire before attaining:
			Your tier II will have an age reduction if you retire before attaining:before 1975 based on at least 120 months of railroad service,
			age 65,
			your Full Retirement Age.
			age 65.in 1975, or later, based on at least 120 months of railroad service, including some railroad service before August 12, 1983,
			age 62,
			your Full Retirement Age.
			age 65.in 1975, or later, based on at least 120 months of railroad service and no railroad service before August 12, 1983,
			age 62,
			your Full Retirement Age.
			your Full Retirement Age.in January 2002 or later, based on 60-119 months of railroad service with at least 60 months of railroad service after 1995, and had some railroad service before August 12, 1983,
			age 62,
			your FRA.
			(The employee must have an SS Act Insured Status to qualify you for a tier I component.)
			age 65.in January 2002 or later, based on 60-119 months railroad with at least 60 months of railroad service after 1995, and did not have railroad service before August 12, 1983,
			age 62,
			your FRA.
			(The employee must have an SS Act Insured Status to qualify you for a tier I component.)
			your Full Retirement Age.
        ‹ Full Retirement Age For Spouse or Divorced Spouse | 
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