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

Answers are provided by Robert S. Kaufman

Taxation of a Divorced Spouse Annuity

(Posted August 3, 2012)

Question 891: Are Railroad Retirement Benefits taxable? If I take my own Social Security and my income is under $25,000, my Social Security will be tax-free. If I take my ex-husband's Railroad Retirement, which will be only $25 more per month than my own Social Security, would I have to pay income tax on that?

Answer: The type of Railroad Retirement Benefit that you would receive, a Divorced Spouse Annuity, is taxed in the same manner as Social Security benefits.

So you would not be disadvantaged if you took that benefit instead of your own Social Security.

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.

Copyright 1997-2017 Robert S. Kaufman
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