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Can I Get Both A Widow's Railroad Retirement Benefit And My Own Social Security Benefit?
(Posted September 27, 2012)
Question 909: I am a widow drawing my husband's Railroad Retirement. I also worked and paid into Social Security for 40 years. Can I draw both Railroad Retirement from my husband and the Social Security that I paid into?
Answer: You can receive the full amount of your own Social Security. However, the Tier 1 of your Railroad Retirement Annuity will be reduced by your Social Security benefit.
So, before filing at Social Security you need to find out if your total monthly benefits increase with the addition of Social Security.
You need to contact both Railroad Retirement (toll-free: 877-772-5772) and Social Security (toll-free: 800-772-1213) to get the amounts and then compare the results.
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