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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.
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