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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Electing When to File for Benefits to Maximize Payments

(Posted February 11, 2013)

Question 972: My wife will be 62 in 2013 and we are trying to determine if she can begin her Social Security retirement benefit (reduced for taking early) and then, when I'm eligible for full Railroad Retirement benefits (in 5 years), have her apply for Railroad Retirement spousal benefit (because it would be higher than her social security benefit). Can we do this?

Answer: You can always select the most advantageous date to file for benefits. You can certainly do what you described in your question.


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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