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Benefits for Spouses of Rail Workers
(Posted July 8, 2003)
Question 283: I'm a railroad worker; my wife is covered by Social Security. Will she receive Railroad Retirement too?
Answer: The short answer is "yes," but her Railroad Retirement Tier 1 benefit will be reduced by the amount of her own Social Security benefit. She also will receive a Tier 2 benefit, which is not reduced for Social Security.
She can qualify for full benefits as early as age 60 if (i) you have at least 30 years of rail service, (ii) you are age 60 too, and (iii) you have retired. If you have less than 30 years of rail service, she will qualify for reduced benefits at age 62 if you are at least age 62 and retired.
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