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

Answers are provided by Robert S. Kaufman

Benefit Offsets Due to Employment of a Spouse After the Spouse's Benefit Begins

(Posted April 8, 2008)

Question 659: Is a retired spouse subject to the same benefit offsets that arise when working for a previous employer after retirement?

Answer: A spouse has the same offsets as a retired worker. A spouse cannot receive full Tier 2 benefits if he or she continues to work for the same nonrailroad employer after the spouse's benefit begins. The working spouse can lose up to 50% of their Tier 2 benefit.

The special restriction does not apply to a widow or widower, however.

Spouses and widow(er)s who have not reached their full retirement age are subject to the same regular work restrictions that apply to Social Security benefits.

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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