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Rail Worker Can Receive Both Social Security and Railroad Retirement Benefits, But with a Set-off
(Posted March 20, 2013)
Question 990: I retired from the railroad with 30 years service. I paid into Social Security for about 15 years. Can I get both Railroad Retirement and Social Security benefits? Would it make my total retirement benefits higher?
Answer: Yes, you can apply for and receive both benefits, but the Tier 1 portion of your Railroad Retirement Annuity will be reduced by the amount of your Social Security benefit, so you may not receive more in total benefits.
I suggest that you ask both the Railroad Retirement Board and the Social Security Administration for estimates of your benefits, to see if it makes sense to file for Social Security.
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