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Spouse with State Pension
(Posted May 7, 2005)
Question 543: I am the wife of a retired railroad employee. Can I collect half his pension at age 60 as well as my State retirement pension?
Answer: If your husband has at least 30 years of rail work, you could begin to collect a Spouse Annuity under Railroad Retirement as early as age 60. Your Tier 1 benefit would be 50% of your husband's Tier 1; your Tier 2 benefit would be 45% of your husband's Tier 2.
Your Tier 1 would be reduced because of your State pension, however. The reduction is two-thirds of the amount of your State pension.
There would be no reduction in the Tier 2 portion of your Railroad Retirement.
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