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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Benefits for Spouse

(Posted March 9, 2004)

Question 406: My husband will be retiring at age 60 from the railroad after 30 years of employment. I am not working. I realize that I cannot receive any Railroad Retirement benefit until I'm also 60. When I do, will I be receiving less than my husband? And if my husband dies, would I receive his benefit in addition to mine?

Answer: When you reach 60, you will receive a Spouse benefit. The Tier 1 portion of the Spouse benefit will be one-half of your husband's Tier 1 benefit. The Tier 2 portion of the Spouse benefit will be 45% of his Tier 2 benefit.

If he dies, you would receive a Widow's benefit, equal to 100% of his retirement benefit. Your Widow's benefit would replace your Spouse benefit.


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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