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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Spouse Has Options for Retirement Benefits

(Posted November 18, 2014)

Question 1221: I am on Disability from Railroad Retirement. My wife may need to retire on disability from a state (Virginia) job at age 55. Will she draw a benefit from Railroad Retirement, Social Security, or Virginia?

Answer: Your wife will be eligible for a Spouse Annuity at 62 from Railroad Retirement.

She can receive her own Social Security benefit, but Tier 1 of her Spouse Annuity then would be reduced.

If her position with the Virginia government is covered by Social Security, there would be no further reduction in her Tier 1.


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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