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Answers are provided by Robert S. Kaufman
Work Restrictions After Retirement
(Posted October 25, 2010)
Question 780: I'm a spouse of a rail worker. When I become eligible for a spouse benefit, do I have to stop working for my current employer? Can I continue part-time without any penalty?
Answer: There are several different restrictions on work and earnings after you become eligible for a spouse annuity.
First, there is a complete proabition of working in the rail industry regardless of the amount of earnings.
Second, if you earn over $14,160 in 2010 (the amount is adjusted annually) you will lose $1 in benefits for each $2 in earnings above $14,160.
Finally, there is a special restriction on the last non-rail employer that you work for before retirement. Your Tier 2 will be reduced by $1 for every $2 that you earn in that employment. The reduction can not exceed 50% of your Tier 2. Unlike the regular earnings restriction, there is no exempt amount before you begin to lose benefits
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The law in this area changes frequently. Answers are believed to be correct as of the posting dates shown. The completeness
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