I have 6 years with the railroad and can begin benefits 5/18. My wife, 61, is working part time and plans to continue doing so. Is she eligible for full their 2 benefits until she files for social security?
I'm not an expert on Railroad Retirement (RR) benefits, so I can't fully answer your question. However, if your wife qualifies for RR benefits it wouldn't have any effect on her Social Security (SS) filing options. Once she files for Social Security, though, she could only receive the higher of a) her SS benefit rate or b) her Tier 1 RR rate, plus any Tier 2 RR benefits to which she's entitled.