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you worked for a railroad in at least 12 of the 30 consecutive months immediately before the month in which your annuity begins; or, you worked in the railroad industry in at least 12 months in any earlier period of 30 consecutive months and you did not work in any docHub nonrailroad employment between the end of
You can start getting railroad retirement benefits when you turn 60 if you have 30 years of railroad service. If you have 10-29 years of railroad service, or 5-9 years (if at least 5 years were after 1995), you can get retirement benefits when you turn 62.
Employees with at least 10 years (120 months) of creditable railroad service, or at least 5 years (60 months) of creditable railroad service after 1995, are vested in Railroad Retirement and eligible for retirement and disability annuities.
If a RRB recipient is eligible for, and requests, Social Security benefits, the RRB reduces the Tier I annuity to account for the Social Security benefit and in most cases, there is no change in total monthly benefit payments.
Employees with at least 10 years (120 months) of creditable railroad service, or at least 5 years (60 months) of creditable railroad service after 1995, are vested in Railroad Retirement and eligible for retirement and disability annuities.
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However, if a person permanently leaves railroad employment before attaining retirement age, the employee may not be able to meet the requirements for certain other benefits, particularly the current connection requirement for annuities based on occupational, rather than total, disability and for supplemental annuities
In January 2024, the average regular railroad retirement employee annuity will increase $86 a month to $3,450 and the average of combined annuities for an employee and spouse will increase $120 a month to $4,980.
While railroad employees with less than 30 years of service may retire at age 62, their railroad retirement benefits are subject to early retirement (age) reductions if they retire before attaining their full retirement age.

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