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Wife Planning to Resume Working For Previous Employer After Spouse Annuity Begins
(Posted May 28, 2008)
Question 666: Can the spouse of a retired railroad employee, after quitting a
certain job six months before she receives a percentage of the employee's retirement, return to that same job after she starts drawing her retirement? I am a church organist and would like to return to playing for the same church to play for their services, but would I be penalized for doing this?
Answer: As you are no doubt aware, there are special postretirement work restrictions for employees and spouses. They are called "Last Person Employer" restrictions. If you violate these restrictions after you retire, you can lose $1 in Tier 2 benefits for every $2 that you earn. The maximum reduction in Tier 2 is 50%.
Only the Railroad Retirement Board can determine if the church is considered to be your Last Person Employer. You need to contact the RRB and give them all of the information about your planned return to this employment.
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