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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

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.

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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