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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Divorced Spouse Can Defer Applying For An Annuity Until 66

(Posted March 8, 2014)

Question 1108: I plan to begin my Divorced Spouse benefit on December 1, 2014, when I will be retiring from a non-railroad job. I am single and won't be 66 until April 2015 (my full retirement age). I recently determined that my Divorced Spouse benefit will be less in 2014 than it would be if I were to wait until my full retirement age. Should I, and could I, take my own Social Security benefit until I reach 66, and then start taking the Divorced Spouse benefit? Could I do this without affecting reductions in my Divorced Spouse benefit?

Answer: You certainly can file for a reduced Social Security benefit before age 66 and then wait until 66 to start your Divorced Spouse Annuity from Railroad Retirement.


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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