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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.
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