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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Maximizing Dual Benefits

(Posted October 11, 2014)

Question 1190: I have 14 years of rail service and more than 40 quarters of coverage under Social Security. Can I apply for Social Security at my full retirement age of 66 and wait to apply for Railroad Retirement at age 70?

Answer: You have an excellent plan to maximizing your benefits by acquiring delayed retirement credits for your Railroad Retirement Annuity.


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.


Copyright 1997-2017 Robert S. Kaufman
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