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

Answers are provided by Robert S. Kaufman

Reduction for Government Pensions

(Posted May 29, 2001)

Question 101: I'm a Federal worker, 55 years old. I have 34 years of Federal service. I plan to retire soon on a Civil Service pension. My husband is a railroad worker. Will I receive any Tier 1 or Tier 2 on his account?

Answer: Tier 1 benefits for spouses and widows (or widowers) are subject to the same "Public Pension Reduction" as Social Security benefits.

Your Tier 1 benefit will be reduced by 2/3 of you Federal Civil Service Annuity. Most likely, it will be completly wiped out since you have 34 years of Federal service and 2/3 of your Federal pension will be more than the Tier 1.

But you will still get your full Tier 2 benefit.

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.

Copyright 1997-2017 Robert S. Kaufman
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