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When Is New Wife Eligible Following Remarriage?
(Posted August 20, 2003)
Question 299: My wife of 30 years died four years ago, several years after my retirement from the railroad. If I remarry, what benefits will my new wife be entitled to if I die. She is 64 years of age and I am now 70.
Answer: Your new wife would be entitled to a widow's annuity if your new marriage lasts at least nine months before your death. She would receive 100% of your Tier 1 & Tier 2. If it began before her "normal retirement age"i.e., 65 & 2 months if she was born in 1938 & 64 & 4 months if she was born in 1939, her widow's benefit would be reduced for her age. Tier 1 would also be reduced for another Social Security or Railroad Retirement benefit.
The duration of marriage requirement for a spouse annuity is one year. Both the 9 month & one year requirements are waived if she is entitled to wife's or widow's benefits in the month before the remarriage.
Good luck to both of you!
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