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Deferred Retirement After Leaving Railroad Work
(Posted May 24, 2003)
Question 258: I left the railroad in 1989 after working 27 years. I have been under Social Security since then. Can I get Railroad Retirement when I turn 65 in 2007?
Answer: Even better news!
You will first become eligible for Railroad Retirement when you turn 62 in 2004. Like early Social Security, it would be reduced for age. So if you plan on working past 62, you may want to hold off applying for Railroad Retirement until you either retire or you reach normal retirement age. Based on being born in 1942, your normal retirement age is age 65 plus 10 months.
You should ask the local RRB office for estimates of what your benefits would be at 62 and what they would be at age 65 plus 10 months.
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