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What Happens If I Die Before My Wife Is Awarded a Spouse Annuity?
(Posted August 7, 2014)
Question 1163: If I die while receiving a Railroad Retirement benefit while my wife is receiving a Social Security benefit (she is deferring her Railroad Retirement Spousal Annuity until age 66), will she receive my Railroad Retirement minus Tier 2? Also, I would expect her social security be stopped; her Spousal Annuity amount should be more than her current Social Security amount. Is that right?
Answer: Here are the facts that may clarify the situation you have presented. When you die, your wife will receive a Widow's Annuity from Railroad Retirement. It will consist of both Tier 1 and Tier 2, and should be approximently the same amount you are receiving. Her Social Security would continue. Her Tier 1 benefit under Railroad Retirement will be reduced by the amount of her Social Security.
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