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

Answers are provided by Robert S. Kaufman

Railroad Retirement Tier 1 Benefits Reduced for Own Social Security

(Posted October 9, 2001)

Question 137: My husband is a retired rail worker. We are both drawing benefits on his account. I've worked under Social Security for 40 years and I will be eligible at 62. Will I be able to draw benefits from both Railroad Retirement and Social Security at 62?

Answer: You can draw both benefits, but your Railroad Retirement Tier 1 will be reduced dollar for dollar by your own Social Security so you probably won't receive any more in total benefits.

You should check with the Railroad Retirement Board when you approach 62 and ask them if there is any advantage to you in even filing for Social Security.

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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