To get Railroad Retirement benefits, you must have worked with the railroad for at least 10 years, or at least 5 years if the work was performed after 1995. The amount of benefit you can get depends on your year of birth, your years of service with the railroad, and your age when you apply for the benefits.
Eligible workers can start getting full benefits at age 60 if they have at least 30 years of work service with the railroad. For those railroad workers who have less than 30 years of work service, reduced benefits are available at age 62 and full benefits are available at full retirement age. Full retirement age is 65-67, depending on your year of birth.
To get Railroad Retirement benefits of any kind, you must first apply. You can apply over the phone or by visiting your local RRB office.Your local Area Agency on Aging can help you figure out if you are eligible and help with the paperwork. Call your local Area Agency on Aging at 1-877-353-3771.