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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

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.


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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