Larry,

I am still working and will be for another year until I am 66. My husband worked for the railroad. I called today to railroad retirement and was told I can draw the tier 2 benefit now and I would have been eligible when I turned 60. Is it true you can get tier 2 now and wait to start social security until 66 when I will be able to draw my full benefit?

Hi,

My only area of expertise is Social Security, so I can't tell you what your options are with regard to Railroad Retirement (RR) benefits. I can only tell you that if you do file for and receive RR benefits now, you would not be required to also file for your Social Security benefits. Nor would filing for RR benefits now have any bearing on your future Social Security benefit rate or options.

Best, Jerry