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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Wife Married To Rail Worker

(Posted October 28, 2004)

Question 525: My husband has been employed on the railroad for 34 years. I have worked independently and have paid into Social Security for 25 years. Am I eligible to collect from both retirement plans?

Answer: You will be able to receive Social Security based on your work record, and from Railroad Retirement based on your status as the spouse of a rail worker.

Each benefit has different minimum ages and other requirements.

Also, your Railroad Retirement spouse benefit will be reduced by the amount of your own Social Security benefits.

You should check with both SSA and RRB to see when you will qualify.


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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