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              -  Home 
              -  Employee Age and Service Annuities 
              -  Age Reductions For Employees Who Have Less Than 360 Months Service 
              -                   Age Reductions For Employees Who Have Less Than 360 Months of Railroad Service              

## Topics

-  Overview 
-  Applying for Your Annuity 
-  When Your Annuity can Begin 
-  Age Reductions For Employees Who Have Less Than 360 Months Service    -  Basic Formula 
  -  Full Retirement Age for Employees Who Have Less Than 360 Months of Railroad Service 
  -  Age Reductions For Employees Who Have Less Than 360 Months of Railroad Service 
-  Deductions for Earnings 
-  Reductions for Other Benefits 
-  Reductions for Other Federal Programs 
-  After You Apply for Your Annuity 
-  Important Notices 

 

**Tier 1 Component Age Reduction**

Your employee annuity Tier 1 component age reduction depends on your total years of railroad service.
                        - You have 60-119 Months of Railroad Service with at Least 60 Months of Railroad Service After 1995  - Your Tier 1 is reduced by 1/180 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.
                        - You have 120-359 Months of Railroad Service  - Your Tier 1 is reduced by 1/180 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 2 Component Age Reduction**

Your employee annuity Tier 2 component age reduction depends on whether or not you have railroad service before August 12, 1983.
                        - You Began Your Railroad Service Before August 12, 1983  - Your Tier 2 is reduced by 1/180 for each month you are under age 65 on your annuity beginning date. 
                        - You Began Your Railroad Service After August 11, 1983  - Your Tier 2 is reduced by 1/180 for each of the first 36 months you are under FRA and 1/240 for each additional month you are under FRA on your annuity beginning date.

**Note**: If you receive a disability annuity based on 60-119 months of railroad service with at least 60 months of railroad service after 1995, your Tier 2 component is not payable until the first full month you are age 62. Then it will be reduced in the same manner as a Tier 2 component for an age and service employee.

   

**‹** Full Retirement Age for Employees Who Have Less Than 360 Months of Railroad Service
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Deductions for Earnings **›**

   

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								Last updated: 05/16/2017