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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Older Spouse Can Receive Own Social Security Before Rail Worker Retires

(Posted September 9, 2014)

Question 1173: My husband will retire in 2019 with almost 40 years of service. He was born in September of 1959. I was born in October of 1956. Can I apply for a Social Security benefit when I turn 62 and then get a spouse's Railroad Retirement benefit when my husband retires?

Answer: You should apply for your own Social Security benefit at 62. Then, when your husband retires, you should apply for a Spouse Annuity from Railroad Retirement. Your Tier 1 benefit then will be reduced by the amount of your Social Security 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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