AVOIDING “THE DARK YEARS” FOR RAILROAD FAMILIES While railroad employees’ benefits are among the best in the nation, we do have one very bad situation that over 20 years ago I dubbed the “dark years”. It creates the potential for a major financial problem but one that can be easily fixed with a little planning. […]

Since beginning our informational Blogs on this website I think we have covered some important areas and disclosed some benefits many of you were not aware of. Just last week we pulled the old “Extension of Current Benefits” out of the archive for one of our clients whose spouse’s insurance coverage terminates 12/31/20 but she […]

Eligibility Thresholds will be our website blog this week and RRB has plenty: Five years of railroad service and you are vested in railroad retirement Tier 1. Ten years and you are vested in both Tier 1 and Tier 2 railroad retirement. Twenty years and you are eligible for Occupational Disability at any age. Thirty […]

On this week’s blog let’s discuss regular retirement combining retiree insurance, RRB details, earned/unused vacation and P.L. Days all into one discussion. First, the employee who will retire with less than 30 years is eligible to retire at age 62 but with an age reduction usually around 25%. Full retirement is age 66 and months […]