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

Answers are provided by Robert S. Kaufman

Spouse's State Employment Not Covered By Social Security -- Will It Affect Spouse Annuity?

(Posted September 19, 2012)

Question 903: My husband will retire from the railroad with 30 years at age 60. I will retire from state government. Because I never have paid into Social Security, will I receive a Spouse annuity without a reduction?

Answer: Because your state employment was not covered by Social Security, Tier 1 of your Spouse Annuity will be reduced by 2/3 of your monthly State pension.

This reduction is called the 'Public Pension offset."

It is intended to put public pension retirees in the same position as people who have Social Security coverage.


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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