What about paying into SS after retirement from RR. I have contributed 20 years worth in SS as a private contractor. Can I file for that period of time separate of RR benifits ?
Yes, you can file for Social Security benefits and Railroad Retirement (RR) benefits separately, but if you file for both types of benefits then the Railroad Retirement Board will offset your Tier 1 RR benefits dollar for dollar by the amount of your Social Security benefits. Therefore, if you're already drawing RR benefits it would probably only be advantageous for you to apply for Social Security benefits if your Social Security benefit rate would be higher than your Tier 1 RR benefit rate.