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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

60/30 Rail Worker With Young Children

(Posted March 25, 2008)

Question 656: When I retire at age 60, my wife will be 50 and our kids will
be ages 12, 11 and 9. Will my wife and kids also receive benefits when I reach retirement at age 60?

Answer: With three minor children in her care, your wife will be immediately eligible for a full spouse annuity when you retire. She will receive 50% of your Tier 1 and 45% of your Tier 2.

Since your youngest child may reach 18 before your wife reaches 60, there might be a short period sometime in 2018 when she will not be eligible for benefits. Her spouse benefit will resume the month she is 60.


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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