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Rail Worker Vested for Both Railroad Retirement and Social Security
(Posted December 28, 2003)
Question 353: My husband worked for the railroad for many years and is vested for retirement. He also has worked in other jobs in the last few years, so he has paid into Social Security. When he retires, can he collect both Railroad Retirement and Social Security?
Answer: Since 1975, it is no longer possible for a worker to draw full Railroad Retirement and Social Security benefits. Tier 1 of the Railroad Retirement is reduced dollar-for-dollar by any Social Security benefits paid to the worker.
Many retired workers find there is no advantage to file for both benefits if they can't gain anything. But there are some exceptions, so if your husband becomes insured for Social Security, he should ask the RRB if there is any financial advantage to filing for those benefits.
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