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About the 'Deeming' Provisions Used in Certain Railroad Retirement Benefit Calculations
(Posted June 22, 2003)
Question 273: If Tier 1 is based on Social Security law, what happens in a 60/30 case, because SSA indexing is based on age 62? Is Tier 1 adusted at 62 to compensate for the differences in age requirements?
Answer: An excellent question!
Because Railroad Retirement has full retirement at 60 for career workers, i.e. those with 30 or more years of rail credits, the law provides that the RRB can "deem" those workers to be 62 or 65 for any calculation in which a specific age is needed to establish the computation points. 60/30 filers are "deemed" to be 62 for indexing.
A similar procedure is used for occupational disability applicants who might not be qualified for a "period of disability" under Social Security.
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