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MEDICAL MEDICAL MEDICAL MEDICAL MEDICAL MEDICAL MEDICAL 1. With 360 months or over of creditable service at age 60 (20% penalty if drawn prior to age 62). 2. With 120 - 359 months of creditable service at age 62 (1/180 reduction for each month the employee is under age 65 at the beginning of annuity payment). 3. With 120 months of creditable service at age 65 (no age reduction). There is a potential for "vested dual benefits," i.e., benefits paid both through Social Security and the railroad board. The employee must have been eligible for both benefits prior to 1975. Spousal annuity benefit requirements are different than Social Security benefit requirements. The spouse must be: 1. Married to the employee for one year, or 2. Is the natural parent of an employee's child, or 3. Previously eligible for an annuity prior to marrying the employee, or 4. Is living in the same household and de facto spouse is a person who would otherwise be a spouse if not for some legal impediment unknown at the time of the marriage ceremony. Spousal annuity payments are usually payable when the spouse reaches age 60 to 62 depending on individual circumstances. The one (1) exception to the age restriction on spousal annuity payments is if the employee is age 65 and the spouse is caring for the employee's child who is under 18 (age 16 if the spouse is male) or a child who became disabled before age 22. A divorced spouse must meet all of the following criteria to become eligible for payment: 1. The employee must be at least age 62 and drawing retirement benefits, and 2. The divorced spouse must be at least age 62, and 3. The marriage ended in a final decree of divorce, and 4. The marriage between the employee and the divorced spouse must have lasted a minimum of 10 years before the decree date, and 5. The divorced spouse is not currently married, and 6. The Social Security benefits the divorced spouse may be eligible for are less than the railroad annuity, and 7. The divorced spouse is not working for an employer covered by the Railroad Retirement Act. APPENDIX B POSSIBLE BENEFITS AVAILABLE TO CUSTOMERS RETIREMENT Division of Social Services Medical Assistance Manual 19 Aug 25 MTL 12/25