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Retirement and Financial Planning
Union Pacific not only invests in your career, we invest in your future. We offer exceptional financial security with our Railroad Retirement and a comprehensive 401(k) plan.
What is Railroad Retirement?
Railroad Retirement is a program similar to, but legislatively and administratively separate from, the Social Security system. The two systems (Social Security and Railroad Retirement) are closely coordinated with regard to earnings credits, benefit payments and taxes. Check out the infographic on the right to see the benefits of Railroad Retirement when compared to Social Security.
Railroad Retirement Board
The Railroad Retirement Board administers retirement and survivor and unemployment/sickness insurance benefits for railroad workers and their families. This is a government benefit that requires payroll tax deductions, with contributions from both the company and employees. For more information, visit the Railroad Retirement Board Website
401(k) Comprehensive Plan
The 401(k) Comprehensive Plan is a flexible and convenient way to save for your retirement. It offers a variety of investment options, with up to 17 funds to choose from.
Union (agreement) employees are eligible to participate after one year of service.
Non-union (non-agreement) employees are eligible to participate immediately upon joining the company and receive a match of their 401(k) contributions dollar-for-dollar, up to six percent of their salary, plus an additional 3% annual contribution based on their salary.