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Wise to Apply for Both Railroad Retirement and Social Security?
(Posted April 22, 2011)
Question 815: What are the advantages to filing for both Railroad Retirement and Social Security benefits?
Answer: In many instances, filing for both benefits will not increase total monthly benefits. This is because Tier 1 of Railroad Retirement is reduced by any Social Security benefits that the individual receives.
However, there is at least one situation when filing for both benefits can increase total monthly benefits. If you file for a reduced Railroad Retirement annuity at 62, you could receive more by waiting to file for Social Security until you reach your full retirement age.
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