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BenefitsLink > Q&A Columns >

Stop, Look & Listen: Railroad Retirement Benefits Q&A

Answers are provided by Robert S. Kaufman

Supplemental Annuity and Reduction at Age 62

(Posted December 9, 2013)

Question 1082: My wife will receive a reduced annuity at 62. Is it a certain percentage? She has retirement through the Virginia Retirement System as well.

Answer: A Supplemental Annuity is payable to Rail Workers who have at least 30 years of rail service and have a Current Connection. It is a separate benefit (i.e., it has no connection to the regular annuity or Tier 2).

The reduction applied for early retirement at 62 is 30%. Your wife's Tier 1 also may be reduced by the Public Pension Offset if her job wasn't covered by Social Security. The reduction would be in an amount equal to 66-2/3% of her State Pension.

Important notice:

Answers are provided as general guidance on the subjects covered in the question and are not provided as legal advice to the questioner or to readers. Any legal issues should be reviewed by your legal counsel to apply the law to the particular facts of this and similar situations.

The law in this area changes frequently. Answers are believed to be correct as of the posting dates shown. The completeness or accuracy of a particular answer may be affected by changes in the law (statutes, regulations, rulings, court decisions, etc.) that occur after the date on which a particular Q&A is posted.

Copyright 1997-2017 Robert S. Kaufman
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