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 **U.S. Railroad Retirement Board**
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 Basic Formula
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          Spouse/Divorced Spouse Annuities
          Reductions for Early Retirement
          Basic Formula
 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 Basic Formula
							 
							
							
            RB-30
      
            (4-16)
      
            Regular railroad retirement annuities are calculated under the following two-tier formula:

**Tier I Component**

The first tier is based on railroad retirement credits and any social security credits an employee has acquired. If the employee has at least 120 months of railroad service, or 60-119 months of railroad service with at least 60 months of railroad service after 1995, the amount of the first tier is calculated using reductions to the social security formula.

**Exception:** If the employee has at least 360 months of railroad service or is disabled and has at least 120 months of railroad service, the amount of the first tier is calculated using social security formulas and railroad retirement age and service requirements.

**Tier II Component**

The second tier is based on railroad retirement credits only, and may be compared to the retirement benefits sometimes paid to workers in other industries in addition to social security benefits. Reductions are based on the Railroad Retirement Act.
        ‹ Reductions for Early Retirement | 
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 Last updated: 05/31/2017