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Rail Widow Told She Can't Receive Own Social Security Benefit
(Posted July 27, 2014)
Question 1159: I am 72. I work part-time, making about $1,200 gross per month. I receive a Widow's Annuity from Railroad Retirement due to my husband, the rail worker, having predeceased me. I have been told I cannot receive any of my Social Security unless I give up the Widow's Annuity, which is more than my Social Security would be.
Answer: I don't know who told you that information but it's not correct. You are free to file for your own Social Security. But understand that the Tier 1 of your Widow's Annuity will be reduced by the amount of your Social Security benefit, so you might not receive any more in total monthly benefits.
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