Ask Larry

Does My Wife's Tier I Spousal Benefits Stop Growing At My Full Retirement Age Or Does It Keep Growing If I Claim Benefits At Age 70?

If I delay my Railroad retirement until age 70 does my spouses tier 1 benefit stop growing at my full retirement age (67) or does it keep growing until I retire at 70 ?

Hi. I'm sorry but my expertise is limited to Social Security benefits so I can't give you a definite answer. Unreduced Social Security spousal benefits are based on 50% of the worker's primary insurance amount (PIA), which is equal to the worker's full retirement age (FRA) rate. Social Security spousal benefits do not increase if the worker waits until age 70 to claim their benefits.

I know that Tier 1 RR benefits are patterned after Social Security, but although I assume that the same holds true for Tier 1 spousal benefits I'm not positive. I would suggest directing your question to the Railroad Retirement Board for a definite answer.

Best, Jerry

Sep 14 2021 - 11:54am
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.
$40 Annual Household License
$299 Annual Financial Advisor License