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When Widow Remarries After 60
(Posted December 23, 2003)
Question 348: I am a 69-year-old widow of a railroad employee. I have received widow's benefits for several years since his death. If I remarry, will I lose my Railroad Retirement benefit?
Answer: You will not lose your entire benefit. Your Tier 2 will stop and your Tier 1 will be replaced by a remarried widow's benefit, which may be a little less than your current Tier 1.
A remarried widow's benefit is equal to what Social Security would pay a remarried widow based on your late husband's railroad earnings. If you receive your own Social Security benefit, it will be subtracted from your Railroad Retirement.
When you remarry, you should immediately notify the Railroad Retirement Board so they can adjust your benefits timely, which will prevent the hardship of having your benefits interrupted in the future due to an overpayment.
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