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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Working After Railroad Retirement Begins

(Posted December 23, 2003)

Question 350: While collecting Railroad Retirement, I am working part-time and paying into Social Security. When I get my 40 credits, will I also get a Social Security pension? As I continue to work, will that increase my Railroad Retirement pension?

Answer: Yes, you will be eligible for Social Security when you get 40 quarters of coverage. However, if you decide to file for Social Security, the Tier 1 of Your Railroad Retirement benefit will be reduced by the amount of your new Social Security benefit, so you might not get any more in total benefits.

I'm assuming that you have been reporting your yearly earnings to the Railroad Retirement Board so they can assess any required work deductions.

For those beneficiaries who work after retirement, earnings records are reviewed automatically each year by the RRB to see if their new yearly earnings were higher than any of the pre-retirement years used to calculate Tier 1. Any increases in benefits are paid retroactive to January 1 of the year after the increased earnings.

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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