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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.
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