This publication is issued for the purpose of general information. Certain limitations, exceptions and special cases are not covered.

It is presented to you with the same text as the printed RB-1 booklet. Links to each section are listed in the menu on the left. You may also use the navigation arrows at the bottom of each page.

This booklet contains important information regarding your employee annuity under the Railroad Retirement Act (RRA). In order to receive a railroad retirement employee annuity, you must file an application and meet the requirements explained in this booklet. It includes information concerning the earliest date your annuity can begin and reductions that might apply to your annuity. We recommend that you read this booklet before you file your application.  

If you file for an annuity based on disability, you must also file a Form AA-1D, "Application for Determination of Employee Disability". Refer to booklet RB-1D, "Employee Disability Benefits" for an explanation of the disability requirements.

This publication explains what will happen after you file your application and includes a discussion of how and when you will receive your monthly payments.

Your spouse, or divorced spouse, must file a separate spouse annuity application to qualify for an annuity on your earnings record. Booklet RB-30, "Spouse/Divorced Spouse Annuity" explains the spouse/divorced spouse entitlement requirements.

The RRB representatives at the field office nearest you will be happy to discuss and explain the information included in this booklet. You can also call the RRB Help Line at 1-800-808-0772, to find the RRB field office nearest you, based on your Zip Code. When contacting the RRB by telephone or mail, always provide your RRB claim number, your name, and your daytime telephone number.

Your railroad retirement annuity is affected by certain events that may occur. The Booklet RB-9, "Employee and Spouse Annuities - Events That Must Be Reported" provides a description of these events and an explanation of how you should report them. Because these events can take place any time after you receive your annuity payments, you should keep the RB-9 booklet for future reference.