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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.
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