Can My Wife Draw Her Social Security If It's Higher Than Her Railroad Spousal Benefit?

Mar 23 2018 - 10:13am

my wife draws half off my railroad retirement, now her social security would be more then that, can she now draw on herself

Hi,

Yes. If that's the case, though, she may be better off waiting until age 70 to file. Her Social Security retirement benefit rate would continue to grow by up to 8% per year until she reaches age 70 if she waits until then to start drawing.

Best, Jerry