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Retired Rail Worker is 60; Can Working Wife (Age 62) Receive Her Benefit Now?
(Posted December18, 2013)
Question 1085: I retired at age 60 with 35 years of service. My wife is 62 and works full-time for a doctor. Can she receive an RRB benefit while still working, or does she have to retire to receive an RRB benefit?
Answer: Yor wife does not have to stop her employment to receive a Spouse Annuity. But both you and your wife are subject to annual earnings limits from all employment and self-employment, until you both reach the full retirement age. In 2013, the earnings limit is $15,120. In 2014, it will increase to $15,480.
If your wife exceeds the annual earnings limit, she will lose $1 in her Tier 1 for every $2 in earnings above the annual limit.
If she continues to work for the doctor, her current employer, she also will be subject to the Last Person Employment earnings restriction applied to her Tier 2. She will lose $1 of her Tier 2 for every $2 she earns, beginning with the first $2 in earnings from the doctor.
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