Ask Larry

Railroad Retirement & Social Security

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

Posted: 
Saturday, January 8, 2022 - 12:01

Can I Receive Spousal Benefits From SSA Or The RRB?

I retired from the Railroad in 2004. My wife died in 2019 at age 75. Can I receive Spousal Benefits from the SSA or the RRB?

Hi. I'm sorry for your loss. My expertise is limited to Social Security (SS) benefits, not Railroad Retirement (RR) benefits. What I can tell you is that if your wife was insured for SS benefits and assuming that you're at least age 60 or at least age 50 and disabled, then you could likely qualify for widower's benefits from the Social Security Administration (SSA).

Posted: 
Sunday, December 26, 2021 - 12:29

Will I Continue To Receive Tier II Railroad Benefits After I Start Drawing Social Security?

I'm divorced and have been collecting through my retired ex Tier II RRB benefits since 2014 (I turned 62) and Tier I benefits since 2018 (age 66).

I will be 70 in February 2022--will I continue to receive Tier II benefits after I enroll in Social Security?

Posted: 
Thursday, December 23, 2021 - 13:01

Can I Collect Social Security Spousal Benefits If I'm Receiving Railroad Retirement?

I am currently collecting RR benefits and reached FRA prior to my retirement . My wife retired at 62 and has also been collecting RR retirement but at a reduction.. Her plan is to switch to Social Security at 70 since her benefit will be much higher. My question is can I collect a spousal benefit at that time based on her SS benefit? BTW I purchased your book Get What's Yours prior to my retirement and though I receive RR your book answered many questions regarding retirement for myself and my wife. Thank you!

Posted: 
Saturday, December 11, 2021 - 11:15

Will I Still Be Able To File A Spousal Claim With SS If My Husband Dies?

My husband started drawing RRB (Tier I & Tier II) at age 64, and is intending to file for his delayed Social Security benefit at age 70 in a few years. The increase will be quite substantial. I am drawing Social Security benefits on my own account, however, the RRB pays them to me (sent to them from SS) because as a spouse of a former railroad worker, I am entitled to receiving 1/2 of his Tier II benefits also. So, the RRB is in charge of disbursing my monthly funds.

Posted: 
Monday, December 6, 2021 - 19:53

Can I Collect My Social Security And My Deceased Husband's Railroad Retirement At The Same Time?

I am taking my deceased husband’s Railroad retirement can I also collect my own Social Security retirement at the same time

Hi. Potentially, but if you claim your Social Security benefits then the Railroad Retirement Board (RRB) will offset your Tier 1 Railroad benefit dollar for dollar by the amount of your Social Security benefit. So, by applying for Social Security you'll only get more total benefits if your Social Security benefit amount is more than your Tier 1 Railroad amount.

Best, Jerry

Posted: 
Friday, November 19, 2021 - 16:38

Is The Reason That I Can't Earn DRCs Prior To FRA Because I'd Be Collecting Railroad Retirement Benefits?

Greetings Larry and thank you for your reply regarding railroad retirement and DRC's.

I saw where you said that I would not collect DRC's until FRA (which is 66 & 8 months for me). Is that because I would be collecting Railroad Retirement before my FRA (if I collect at 65), or is that the point at which all people start collecting DRC's?

My original question:

Posted: 
Wednesday, October 27, 2021 - 14:05

Can I Earn Delayed Retirement Credits On My Railroad Retirement While I'm Collecting Social Security?

I am eligible for railroad retirement benefits and social security benefits. I will reach FRA in May 2022. Two customer service officials at the Railroad Retirement Board suggested I file at the SSA for social security benefits when I reach my FRA, make it clear to the SSA that I am not filing for railroad retirement benefits, collect social security benefits until I reach age 70, then stop them and start my railroad retirement benefits. Both officials were certain I would earn Delayed Retirement Credits on my railroad retirement while I was collecting social security benefits.

Posted: 
Wednesday, October 27, 2021 - 13:08

Can You Confirm That I Will Continue To Accrue Delayed Retirement Credits While I'm Collecting Railroad Survivor Benefits?

I am 63 years old and looking at my retirement options.

I have confirmed that I can collect Divorced Ex-Spouse Survivor benefits from my deceased ex-husband's Railroad Retirement. My plan is to collect Railroad Retirement from age 65-70 (use as a "bridge"), then collect my own Social Security at age 70.

Can you confirm that I will continue to accrue delayed retirement credits on my social security so that I collect the maximum amount at age 70? I want to ensure I am not age-penalized by collecting Railroad Retirement at age 65.

Posted: 
Friday, October 22, 2021 - 12:06
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