At any age, after 240 months of credible service or 120 months after age 60 if any or a combination of mental and physical health impairments prevent the employee from safely performing his/her highly safety-sensitive railroad occupation, he/she is most likely eligible.
A two-tier annuity after age 60 with 360 credible months service that qualifies your spouse at age 60 as well. Basic spouse annuity is 50% of employee’s Tier 1 and 45% of the Tier 2. However, there is a provision for the spouse to draw the greater of 100% of his/her social security if that amount exceeds 50% of the employee’s tier 1 and then draw the employee’s tier 2. It also has insurance attached to carry the employee to age 65/Medicare. If illness or injury forces you out a few months short of 360 credible months, there are options.