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Taking Social Security at Age 62 and Railroad Retirement at Age 66
(Posted September 23, 2014)
Question 1179: I earned benefits under both Railroad Retirement and Social Security. When I am 62, can I take my Social Security until age 66, and then take my Railroad Retirement?
Answer: You can apply for a reduced-for-age Social Security benefit at age 62 and then wait to apply for a full Railroad Retirement Annuity at age 66. Your Tier 1 at that time will be reduced by the amount of the Social Security benefit then being received.
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