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Understanding Joint and Survivor Annuity under the Railroad Retirement Act
The Q and A explain how a joint and survivor annuity works with the railroad retirement program. It notes payments start to the employee then shift to the spouse after the employee’s death and that an unmarried person cannot elect such an annuity. The amount during the employee’s life is reduced to fund the survivor benefit, with reduction depending on options, the employee’s age, and the spouse’s age.
MENTIONED IN THIS ARTICLE
Railroad Retirement Board
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