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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

How to Maximize Dual Benefits

(Posted December 31, 2014)

Question 1226: I am 62 and my wife is 60. I have 120 months of rail service as well as Social Security benefits. Can I collect my Social Security at my normal retirement age and let my Railroad Retirement benefit increase, and switch to collecting Railroad Retirement benefits at age 70 at a higher amount? And could my wife collect a Spousal Benefit on my Social Security without affecting her own when she reaches her Social Security normal retirement age?

Answer: Your plan to maximize your dual retirement benefits is sound.

You need to check with the Social Security Administration about your wife's benefits. The toll-free number is (800) 772-1213.


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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