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Age Requirement |
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CHART 1 - DETERMINING YOUR AGE REQUIREMENT
If the employee is at least: |
and the employee is: |
your divorced spouse annuity can begin the first full month: |
Your Annuity will : |
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age 62 with at least 120 months of railroad service |
receiving an employee annuity |
you are age 62. |
have an age reduction if you retire before attaining your Full Retirement Age (FRA). |
age 62 with at least 60 months of railroad service after 1995 and has an SSA Insured Status | receiving an employee annuity, | the first full month you are age 62, | have an age reduction if you retire before attaining your FRA. |
Full Retirement Age (FRA) |
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CHART 2 - DETERMINING YOUR FULL RETIREMENT AGE (FRA)
If you were born: |
then your FRA is: |
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Before 1-2-1938 |
65 |
1-2-1938 thru 1-1-1939 | 65 and 2 months |
1-2-1939 thru 1-1-1940 | 65 and 4 months |
1-2-1940 thru 1-1-1941 | 65 and 6 months |
1-2-1941 thru 1-1-1942 | 65 and 8 months |
1-2-1942 thru 1-1-1943 | 65 and 10 months |
1-2-1943 thru 1-1-1955 | 66 |
1-2-1955 thru 1-1-1956 | 66 and 2 months |
1-2-1956 thru 1-1-1957 | 66 and 4 months |
1-2-1957 thru 1-1-1958 | 66 and 6 months |
1-2-1958 thru 1-1-1959 | 66 and 8 months |
1-2-1959 thru 1-1-1960 | 66 and 10 months |
1-2-1960 and later | 67 |
Marriage Requirements |
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SSA Insured Status |
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Reductions for Non-Railroad Earnings |
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CHART 3 - DETERMINING YOUR
ANNUAL EARNINGS EXEMPT AMOUNT
For a year in which: |
You may lose up to $1 in tier 1 benefits for every: |
The reduction: |
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you attain FRA, | $3.00 of earnings over the Annual Earnings Exempt Amount for your age group. However, your earnings are only counted for months before the month in which you attain FRA. | is removed effective the month in which you attain FRA. |
you are under FRA for the entire year, | $2.00 of earnings over the Annual Earnings Exempt Amount for your age group. | applies for the full year. |
you work outside the U.S. for 45 or more hours per month, | $2.00 of earnings. There is no Annual Earnings Exempt Amount for work outside the U.S. However, your earnings are only counted for months before the month in which you attain FRA. | is removed effective the month in which you attain FRA. |
When a Divorced Spouse Annuity not Payable |
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Divorced Spouse Annuity Ends |
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If you would
like more information concerning divorced spouse annuities, please
request Booklet RB-30
Spouse/Divorced Spouse Annuity before you come in to file for your
annuity.
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Page last updated June 14, 2004 |