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

Answers are provided by Robert S. Kaufman

Excess Earnings Usually Don't Affect Tier 2 or Supplemental Annuity

(Posted December 14, 2004)

Question 534: Will I lose any of the Tier 2 and Supplemental Annuity of my Railroad Retirement if I have enough excess earnings to completely wipe out my Tier 1?

Answer: Excess earnings usually do not affect Tier 2 or the Supplemental Annuity. The exception is when you continue to work for your last nonrailroad employer after retirement. Then special work restrictions apply to Tier 2 and the Supplemental Annuity. You can lose up to half of those benefits; those special restrictions continue even after you reach your normal retirement age.

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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