Ask Larry

Railroad Retirement & Social Security

Can I Collect Railroad Retirement Benefits And Stiil Receive Delayed Retirement Credits (DRC) When I Switch To Social Security?

I am fra and qualify for RRB divorced spousal benefits. I plan to keep working until age 70 to collect my maximum benefits with delayed credits on my own SSI. Can I collect the RRB and switch to my SSI when I reach 70 and still receive the delayed credits. I have contacted both RRB and SSI and I am getting conflicting answers from both agencies.The best that I can figure is that my SSI will be higher than my RRB. Thank you

Saturday, April 8, 2023 - 06:44

Does Filing For Railroad Spousal Benefits Require Me To File For My SS?

Hi Larry, with The Bipartisan Budget Act does filing for railroad spousal benefits require me to file for my ss as well. I turn 65 this year and want to file railroad spousal benefits and wait until my full retirement to file for my ss. Thanking you in advance.

Hi. No. You can file for any type of Railroad Retirement benefits without being required to file for Social Security benefits.

Best, Jerry

Wednesday, January 11, 2023 - 17:26

Why Am I Being Penalized For Working For The Railroad?

Larry, I worked for the railroad from 2006-2022. I left the railroad and working full time. I plan on working till I am 65. I look at my social security statement and it shows 0 dollars obviously for the years of railroad time, however I keep seeing that when I retire RRB reduces my tier 1 dollar for dollar of Social Security Security. With this method my Social Security doesn't take into account my years of railroad service and then I am really losing money. Instead of double dipping I am being double penalized and getting way less. How is this possible.

Thursday, October 13, 2022 - 11:51

What Does Drawing Social Security Disability Do To My Railroad Retirement Divorced Spousal Benefits?

What if I already draw social security disability? What does that do to my RR retirement from my ex who is already retired?

Hi. If you're collecting any type of Social Security benefits and if you claim Railroad Retirement (RR) benefits, the Railroad Retirement Board will offset your Tier 1 RR benefit dollar for dollar by the amount of your Social Security benefit.

Best, Jerry

Thursday, April 21, 2022 - 12:53

Can Anything Be Done About My Benefits?

I worked and paid into the Railroad 14 years. I worked and paid into ssa 50 years. I worked until age 66, my fra. I never collected from my ex. At age 80, my ex dies. I applied for a survivors benefit meeting all the qualifications. I worked 16 years AFTER I LEFT THE RAILROAD , MAKING GOOD MONEY AS A NURSE WITH LOTS OF OVERTIME. Railroad had denied me any overtime when I was there. According to ssa, my survivor award was to be $2,700 plus $6,000 back pay .The railroad took all this, including the $6,000 and made me a tier 11 and awarded me $77. Big deal!

Thursday, March 24, 2022 - 14:06

Can You Tell Me Where It's Covered In The Regulations That My Social Security Must Be Paid Through The RRB?

My husband is a railroad retiree and receives Tier I and II benefits. I am a retiree who never worked for the railroad but for some reason my Social Security is being paid through the RRB. Can you tell me where in either law or regulation, this is covered? I am also interested to know what will happen upon my husband's death to his Tier I benefit. Will I be eligible for that or a portion of that or only Tier II? Is that because RRB is paying my Social Security? Would it be different if my retirement was being paid by Social Security instead of the RRB? Thank you.

Monday, February 7, 2022 - 18:02

How Can I Verify What I Was Told When I Applied For Railroad Retirement?

When I applied for Railroad retirement, I was told that if SS was more that i should apply for that instead of RR. I asked the question as to why I couldn’t collect both and got the impression that both railroad retirement and social security should be combined and I don’t believe that they were. How can I verify this

Saturday, January 8, 2022 - 12:01
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