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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Can I Switch Between Railroad Retirement and Social Security?

(Posted July 4, 2016)

Question 1248: I'm currently receiving a Spouse Annuity from Railroad Retirement. I'm waiting until 70 to file for Social Security. My Social Security Benefit will be higher than my Spouse Annuity. Can I switch benefits then?

Answer:

There is no need to switch benefits from Railroad Retirement. Remember, only your Tier 1 will be reduced for Social Security. You can continue to receive your Tier 2.


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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