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Spouse Who Took Reduced Age Benefits Can Still Get Full Social Security
(Posted Auguust 16, 2009)
Question 720: When I retired I had 122 months service when I started receiving Railroad Retirement benefits. My wife started her spouse benefits at age 62. Can she draw full Social Security benefits when she reaches full retirement age, or will she continue to get reduced benefits due to taking her Spouse benefits early?
Answer: If your wife waits until she reaches her full retirement age to apply for Social Security benefits, she will receive unreduced benefits even if she elected a reduced Railroad Retirement spouse benefit. But her Tier 1 will be reduced by her Social Security benefits; if they are higher, she then will receive only Tier 2 from Railroad Retirement.
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