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

Answers are provided by Robert S. Kaufman

Impact of Part-Time Work on Railroad Retirement Benefits

(Posted July 21, 2012)

Question 890: If I work part time and I'm collecting Railroad Retirement, how does that affect my benefits?

Answer: Working part-time could affect your Railroad Retirement benefits depending on your age and the type of benefits you receive.

If you go to work for a railroad or other employer covered by the Railroad Retirement Act, your will lose your entire benefits for the month that you work there regardless of your earnings. If you are a retired rail worker or a spouse, you will lose up to half of your Tier 2 benefit if you return to work for the last non-railroad that you worked for before you retired.

All beneficiaries who have not reached their full retirement age (which now is 66) are subject to earnings restrictions and will lose part of their Tier 1 benefit if annual earnings are more than $14,640 in 2012. (That amount is adjusted each year.)

If you are receiving a Disability Annuity, you need to tell the Railroad Retirement Board if you begin any new work regardless of your earnings. Disabled workers also have special monthly earning restrictions.

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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