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Can My Wife File For RR Spousal Benefits At Age 62 And Then Switch To Her Own Social Security Benefits At Her Full Retirement Age?
I am currently receiving railroad retirement. Can my wife file for RR spousal benefits at age 62 and then switch to her own social security benefits at her full retirement age 67 ?
Hi. I'm not an expert on the Railroad Retirement (RR) program, but regardless of if or when your wife collects RR benefits she would be free to wait until full retirement age (FRA) or even age 70 to claim her Social Security retirement benefits. If your wife is receiving RR benefits and she subsequently files for Social Security benefits, the Railroad Retirement Board (RRB) will offset her tier 1 RR benefits by the amount of her Social Security benefit.
Best, Jerry
Posted:
July 15, 2021