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

Answers are provided by Robert S. Kaufman

Age Reduction When Spouse Is Older Than Rail Worker

(Posted Auugust 2, 2011)

Question 829: I am retired on total disability with more than 10 years of service with a railroad employer. I am 60 years old and my wife is 62. When she turns 66, will she be eligible for 50% of my annuity, or will she have to wait until I would have turned 66?

Answer: When your wife reaches full retirement age at 66, she will be entitled to 50% of your Tier 1 benefit plus 45% of your Tier 2 benefit. There would be no reduction for age in either Tier.

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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