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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

When A Divorced Spouse Should Delay Taking Social Security

(Posted August 25, 2010)

Question 766: I am a divorced spouse, married for 20 years. If I retire at 62 can I draw Tier 1 and my own Social Security?

Answer: Although you qualify for both benefits at 62, your Divorced Spouse annuity from Railroad Retirement would be reduced by your own Social Security benefit.

It might be to your advantage to take your Divorced Spouse Annuity at 62 but delay taking your Social Security benefit until you reach your full Social Security retirement age.


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.


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