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

Answers are provided by Robert S. Kaufman

Should Divorced Widow Wait Until Later to Apply for Divorced Spouse Annuity?

(Posted July 5, 2014)

Question 1150: My mother is receiving disability at $591 per month. Last year she called RRB to apply for the Divorced Spouse benefit. She was advised that, if she applied when she was 62, she would receive only $3 per month. We decided to wait until she turns 65 but should we get a second opinion?

Answer: Actually her full retirement age is after 65. Her Divorced Spouse Annuity is a few dollars more than her Disability Benefit. Since there's not a large amount involved, I would suggest waiting until she reaches her full retirement age to receive the highest benefit.


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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