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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.
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