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

Answers are provided by Robert S. Kaufman

Spouse Benefits and Earnings Restrictions

(Posted December 10, 2003)

Question 346: My husband retired at age 60 with full Railroad Retirement benefits. Can I draw a spouse benefit at age 60 and continue to work?

Answer: I can give you a qualified "Yes," as long as you do not work for a railroad or continue to work for the last nonrailroad company you worked for before you filed for Railroad Retirement.

Until you reach your "full retirement age," your Tier 1 benefit will be reduced if your earnings are more than the "exempt amount." For 2003, the exempt amount for people under "full retirement age" (65 or as high as 67, depending on your birth year) is $11,520. In 2004, the exempt amount increases to $ 11,640 Above the exempt amount, you will lose $1 in benefits for each $2 that you earn.

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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