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RAILROAD RETIREMENT BOARD Q&A: WORKING AFTER RETIREMENT
Retirees, and those planning retirement, should be aware of the
railroad retirement laws and rules governing benefit payments to
annuitants who work after retirement.

The following questions and answers describe these railroad retirement
work restrictions and earnings limitations on post-retirement
employment, and how these rules can affect retirees engaging in
self-employment.

Although the Railroad Retirement Board (RRB) participates in
information exchanges with other Federal agencies to identify
unreported work and earnings to protect the integrity of its programs,
annuitants are obligated to report post-retirement work and earnings.
It is important to note that if annuitants fail to report
post-retirement work and earnings, the Board may assess overpayments
and fines. In some circumstances, law enforcement may consider the
annuitant to have committed fraud subject to criminal and civil
penalties.

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