BenefitsLink logo
EmployeeBenefitsJobs logo
Featured Jobs
Senior Retirement Plan Administrator (Philadelphia PA / Telecommute)

Plan Administrator (Lake Mary FL / Richmond VA / Dallas TX / Los Angeles CA)

Retirement Plan Sales Territory Manager (Irving TX / Telecommute)

Retirement Plan Services Sales Representative (Chambersburg PA)
Free Daily News and Jobs

“BenefitsLink continues to be the most valuable resource we have at the firm.”
-- An attorney subscriber
Get the BenefitsLink appLinkedIn
Twitter
Facebook

BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Rail Worker and Spouse Do Not Have to Apply at Same Time

(Posted September 28, 2013)

Question 1059: I worked for the railroad for 20 years and paid into Social Security at least 18 years. I decided to take my Social Security at 64 and defer Railroad Retirement. My wife is planning to take her Social Security at 62 and also defer the Railroad Retirement spouse benefit to when she turns 66 (we have a 2-year difference in ages). Once I claim my Railroad Retirement benefit at 66, can my wife wait until she is 66 to claim the spouse benefit? Or must she take her spouse benefit when I request it?

Answer: You and your wife can apply for Railroad Retirement at different times. The plan you've described make sense to maximize your benefits.


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
Related links:
 
About Us

Testimonials

Privacy Policy

Post a Job

Advertise in the BenefitsLink Newsletters

Add Your Company to the Directory of Vendors and Software

Submit a News Item, Press Release, Webcast or Conference

Contact Us

Payment Portal

© 2019 BenefitsLink.com, Inc.