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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.
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