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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Spouse With Dual Benefits

(Posted March 9, 2013)

Question 980: Can I collect on my own Social Security while my husband collects Railroad Retirement?

Answer: You can, but sometimes it's to your advantage to take one benefit at the earliest retirement age and withhold filing for the other benefit until you've reached full retirement age.

Just remember that your Spouse Annuity contains Tier 2 which, added to your Social Security benefit, produces a higher total monthly benefit.


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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