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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Rail Spouse Can Delay Filing for Social Security

(Posted January 16, 2014)

Question 1099: If I start drawing on my husband's Railroad Retirement at age 62, can I switch to my full Social Security benefits when I turn 66?

Answer: You can delay filing for Social Security benefits until you reach your full retirement age at 66. Your Railroad Retirement Tier 1 benefit will be reduced by your Social Security benefit, but your Tier 2 will not be affected.


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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