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

Answers are provided by Robert S. Kaufman

Divorced Spouse's Benefits Are Reduced by Certain Teachers' Pensions

(Posted March 17, 2012)

Question 863: My ex-husband worked for railroad for 28 years. We were married 28 years. I am a teacher in Louisiana. Will I get any benefits from Tier I or Tier II when I reach age 62? Neither of us has paid into the Social Security system.

Answer: You could qualify for a Divorced Spouse Annuity at 62.

Because your employment is not covered by Social Security, your annuity will be reduced by 2/3 of your teacher's pension. If that amount is higher than your annuity, you won't receive anything from Railroad Retirement.

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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