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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

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.


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.


Copyright 1997-2017 Robert S. Kaufman
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