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Should Rail Worker Change to Social Security If Spouse Dies?
(Posted July 22, 2013)
Question 1028: If I start collecting Railroad Retirement at 62 and my husband starts collecting Social Security at 66, but later he dies, can I change and collect his Social Security survivor benefit?
Answer: While you cannot receive full Railroad Retirement and Social Security benefits, there is no advantage to switching if your husband predeceases you. If you qualify for a Widow's benefit at Social Security, only your Tier 1 will be reduced. You will still receive a full Tier 2 from Railroad Retirement.
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