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Pending Legislation Will Not Lower Eligibilty Age for Spouse Benefits
(Posted June 28, 2001)
Question 111: Under current Railroad Retirement rules, a wife can receive benefits at 60 if her husband has 30 or more years of railroad service. Her husband can draw his retirement at 62. I understand that certain proposed changes will allow a rail worker with 30 years to draw a full pension at 60. Will a wife be able to start her benefit at 58?
Answer: First I need to correct a misunderstanding you have about when 60/30 benefits can start under the current rules. A worker can draw benefits as early as 60 but the Tier 1 benefit is permanently reduced for the months before age 62.
The proposed legislation eliminates any reduction if retirement is before 62. There is no change for spouses; age 60 remains the earliest date benefits can begin.
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