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I'm 61; When Can I Apply For Spouse Benefits?
(Posted February 17, 2012)
Question 850: I have a spouse that worked for the railroad for 27 years. I will have a birthday this month which I will be 61. I want to apply for benefits. How should I start the process?
Answer: If you wife had at least 30 years of rail service & she had retired, you could apply for a full spouse benefit now.
However, since she has less than 30 years of service, you will not be eligible for a reduced spouse annuity for another year, at age 62 providing she is at least 62 & retired. You can start the application process three months before your 62nd birthday. At that time you should call the Railroad Retirement Board toll-free at: (877) 772-5772.
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