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Answers are provided by Robert S. Kaufman
Spouse Benefits In Disability Claims
(Posted June 7, 2003)
Question 264: I'm 58 and I receive Railroad Retirement disability benefits because I'm completly disabled. I have 36 years of rail service. My benefits are almost $2,400 a month. Will my wife begin to receive a spouse benefit when I'm 60? How much will she receive?
Answer: You both have to be at least 60 for her to receive a spouse benefit. Because you have more than 30 years of rail credits, her benefit will not be reduced for age.
A spouse receives 50% of an employee's Tier 1 and 45% of the
Tier 2. Because I don't know how the $2,400 benefit is divided between Tier 1 and Tier 2, a good ballpark estimate of her spouse rate would be about $1,100. You can get a better estimate from the RRB district office that serves your area.
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