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Receiving Both Social Security and Railraod Retirement Benefits
(Posted November 6, 2000)
Question 67: I worked for a railroad for more than 10 years. I have more than 40 quarters of Social Security credits. Can I receive both benefits at age 65?
Answer: The general rule is that, since 1975, the Railroad Retirement and Social Security programs are fully coordinated. This means that that a worker cannot receive the combined value of both benefits.
Railroad Retirement benefits are based on earnings under both systems and are reduced dollar-for-dollar for any Social Security benefits payable.
To make the coordination almost foolproof, the Social Security claim is sent to the Railroad Retirement Board so that the Railroad Retirement payments can be adjusted timely.
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