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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.
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