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Will Spouse's Pension Reduce Her Annuity?
(Posted August 20, 2012)
Question 897: I am currently retired from the railroad and receiving my benefits. My spouse currently receives a pension from her previous employer. When my wife turns 60, will her benefit from Railroad Retirement be reduced by the monthly amount she is receiving from her pension?
Answer: Since your question does not identify the payer of your spouse's pension, I will give you the "long" answer.
Normally, pensions paid by private companies will not affect Railroad Retirement benefits.
But if your spouse's pension is from a government agency and her employment was not covered by Social Security, her annuity would be subject to the "Public Pension Offset". Tier 1 of her annuity would be reduced by 2/3 of her monthly pension.
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