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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

A Plan to Maximize Retirement Benefits

(Posted October 28, 2014)

Question 1205: I am not dual benefit vested prior to 1974, but I have over 10 years of rail service and also have paid into Social Security for the last 30-plus years. Am I able to apply for Social Security at age 66 while letting my RRB continue to grow until age 70 and then switch to the higher benefit under RRB?

Answer: Sounds like a very sound plan!


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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