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Both Spouses Are Vested in Railroad Retirement Benefits
(Posted September 25, 2012)
Question 908: I'm 65. I retired from the railroad on a 60/30 plan after 40 years of service. My wife is 51. She left the railroad 10 years ago after 21 years of service. We have been married 20 years. She is unable to work and is thinking of filing for disability benefits. Please explain how our benefits would work.
Answer: Because you apparently had rail service before 1975, both you and your wife will receive both Employee and Spouse annuities, without the usual reduction for Dual Railroad Retirement Annuities.
Of course, you can't draw a spouse annuity until your wife turns 62 & she can't get a spouse annuity until she is 60.
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