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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Why Railroad Retirement Benefits Are Reduced for Social Security

(Posted August 3, 2015)

Question 1236: My uncle worked for a railroad for 40 years. He passed away back in the mid-1980s. My aunt, who has never remarried, is 80 and has been collecting on the pension since she reached retirement age. She also paid into Social Security for all her working years. She is in failing health and we are looking for all the benefits she can get. Can she collect on both the Railroad Retirement and Social Security? She has been told that she cannot.

Answer:

The reduction in Railroad Retirement for Social Security is designed to treat those individuals the same as those who are only entitled to benefits from Social Security. Under the Social Security Act, a person can only receive the higher of two different benefits. The reduction in Railroad Retirement for Social Security is designed to treat those individuals the same as those who are only entitled to benefits from Social Security. Under the Social Security Act, a person can only receive the higher of two different benefits. 


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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