Charles Goetsch Law Offices LLC

How railroad retirement benefits differ from most 

It might shock some railroad workers to learn that they are not covered by Social Security. Instead, railroad workers receive federal retirement benefits through the Railroad Retirement Board (RRB). While the RRB is similar to Social Security, there are a few key distinctions between the programs. Most importantly, railroad workers fall into two tiers of benefits under the RRB. 

Tier I

Tier I is extremely similar to Social Security. Railroad workers are eligible for most Tier I retirement benefits after 10 years of service, or after 5 years for workers starting after 1995. Like Social Security, Tier I includes the following benefits: 

  • Retirement benefits and annuities 
  • Spousal benefits 
  • Survivors benefits 
  • Disability benefits 

Unlike Social Security, the RRB also offers an “occupational disability” benefit. This benefit assists disabled railroad workers who can still work in some capacity, but who cannot perform their normal railroad work. Railroad workers may also receive sickness and unemployment benefits through the RRB that Social Security does not offer.  

Tier II  

Tier II benefits are more like private pension plans. These benefits can be much more complex. Tier II benefits are determined based on the duration of employment, the worker’s average income and any cost of living increases. Current spouses and survivors can be eligible to receive these benefits as well.

Benefits for railroad workers are generally determined by duration of employment. However, each benefit can vary in requirements and limitations. As a railroad worker, it is important to understand your benefits as you prepare for retirement. 

No Comments

Leave a comment
Comment Information
Email Us For A Response

Schedule A Free Initial Consultation

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

405 Orange Street
New Haven, CT 06511

Toll Free: 866-316-6825
Phone: 203-672-1370
Fax: 203-776-3965
Map & Directions