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Railroad Retirement and Social Security Are Fully Coordinated
(Posted September 29, 2003)
Question 313: If I am entitled to both Social Security benefits and a Railroad Retirement pension, can I received both checks (I am age 65)?
Answer: You can receive both benefits but your Railroad Retirement
Tier 1 benefit will be reduced by the amount of your Social Security benefit. And your 2 benefits will be combined into a single monthly payment made by Railroad Retirement.
Many workers eligible for both benefits do not get any more in total monthly benefits when they file for Social Security. You should ask the Railroad Retirement Board if your benefits will increase if you file for Social Security. You can then see if it's worthwhile to apply at Social Security.
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.
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