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When Disabled Rail Worker with More Than 30 Years of Service Turns 60
(Posted November 11, 2004)
Question 528: My wife is on disability. She will be 60 years old in June; she has 38 years of rail service. I am 61 and disabled. Can she switch from disability to full retirement with all the 60/30 benefits? Will I be elgible to receive half of her benefits when she turns 60? Also, could you please explain what benefits retirees get when they retire with 30 or more years of service from Amtrak?
Answer: First, there would be no advantange to you or your wife to switch from a disability benefit to a retirement benefit when she turns 60. (The RRB has very strict rules about switching; usually the entire amount received before the switch would have to be repaid.)
You would be eligible for a full spouse benefit when your wife reaches 60. You will receive half of her Tier 1 and 45% of her Tier 2.
Your wife should ask Amtrak about benefits for retirees with more than 30 years of service.
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