How do I check my railroad retirement benefits?

You can call the Railroad Retirement Board at 877-772-5772 during normal business hours to speak to an RRB representative. If you have a touch-tone telephone, recorded information and automated services are avail- able 24 hours a day, including weekends and holidays.



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The average age annuity being paid by the Railroad Retirement Board (RRB) at the end of fiscal year 2022 to career rail employees was $4,020 a month, and for all retired rail employees the average was $3,210. The average age retirement benefit being paid under social security was approximately $1,650 a month.

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The railroad retirement system also provides, under certain conditions, a residual lump-sum death benefit which ensures that a railroad family receives at least as much in benefits as the employee paid in railroad retirement taxes before 1975.

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If you leave the railroad within 5 years of employment, your Tier I benefit will be transferred in total to the Social Security system.

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The formula for the gross tier II amount is 7/10 of 1% of the employee's average monthly railroad earnings (up to the tier II taxable maximum earnings base) in the 60 months of highest earnings, times the years of service in the rail industry.

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