Larry, I understand that I will have no RR retirement benefit from my ex-husband's RR retirement (we were married 20 years) if I start collecting SS at age 62, and it is more than the RR benefit would be. Is that correct? Also, if I choose to not collect SS benefit and draw RR retirement, can I still also work? If so, is their a limit on earnings? Thank you.

Hi,

My expertise is limited to Social Security (SS), not Railroad Retirement (RR) benefits. What I know is that if you file for both SS & RR benefits, the Railroad Retirement Board (RRB) will only pay you the higher of your SS or your tier 1 RR benefit. However, any tier 2 RR benefits to which you are entitled would not be offset by SS benefits.

Our maximization software can help you determine your best strategy with regard to claiming Social Security benefits, but you'll need to contact RRB for answers to your questions about RR benefits.

Best, Jerry