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BenefitsLink > Q&A Columns >

Stop, Look & Listen: Railroad Retirement Benefits Q&A

Answers are provided by Robert S. Kaufman

Filing for Reduced Social Security Will Not Reduce Railroad Retirement for Age

(Posted May 19, 2013)

Question 1009: I worked 23 years for a railroad and I am planning to file for RRA benefits at full retirement age. I also had more than 10 years of earnings that were subject to Social Security payroll taxes. If I file for early Social Security retirement benefits at age 62, will my full RRA benefit be reduced (other than the offset to Tier 1)?

Answer: If you begin receiving Social Security at 62 and then wait until you attain your full retirement age to file for Railroad Retirement, your Railroad Retirement benefit will not be reduced for age.


Important notice:

Answers are provided as general guidance on the subjects covered in the question and are not provided as legal advice to the questioner or to readers. Any legal issues should be reviewed by your legal counsel to apply the law to the particular facts of this and similar situations.

The law in this area changes frequently. Answers are believed to be correct as of the posting dates shown. The completeness or accuracy of a particular answer may be affected by changes in the law (statutes, regulations, rulings, court decisions, etc.) that occur after the date on which a particular Q&A is posted.


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