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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

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.

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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