Ask Larry

Railroad Retirement & Social Security

Why Can't I Receive Both My Social Security And A Railroad Spousal Benefit?

I am a spouse of a railroad retiree who had over 30 years of service. I am 64, and have paid into SS for 46 years, why can't I receive both retirement.

Hi. My expertise is limited to Social Security benefits, so you may want to direct your question to someone at the Railroad Retirement Board (RRB) for a more thorough explanation.

Sunday, February 28, 2021 - 12:48

If I Pay Into Social Security For 30 Years Will I Be Able To Receive Payments?

I retired from the railroad and did contribute to ssi as well via other part-time work . I have contributed almost 23 years to ssi and currently although retired from railroad with pension am still working and have ssi deductions. I am also entitled to military retirement pay at 60. My question: If I accumulate 30 years of payment into SSI, will I then be entitled to receive payments ?


Monday, February 15, 2021 - 17:58

Should My Railroad And Social Security Benefits Not Affect Each Other Since I Earned My Social Security Credits After Retiring From The Railroad?

I retired from the railroad after 30 years of service in March 1 ,2000,In 2004 thru 2017 I earned 40 quarters in social security,My question is my railroad retirement pension should not affect any of my social security pension or vice versa since the 40 quarters was earned AFTER railroad retirement ? THANKS


Friday, November 27, 2020 - 16:01

Can My Husband Apply For Social Security Spousal Benefits And Continue To Collect His Railroad Retirement Benefits?

I reached full retirement age in Sept. I believe my Social Security retirement will be higher than the spousal Rail Road retirement I am getting from my Husband at this time. I understand I will continue to receive on Tier even if I get Social Security. Can my Husband apply for spousal benefits thru my social security account and continue to collect his Railroad Retirement benefits? Does his Railroad retirement reduce his social security spousal benefits? we are both over 66.


Friday, November 13, 2020 - 08:23

Can I Collect My Social Security And Still Get My Check From The Railroad?

My husband worked for the railroad for over 40 years. He passed away in 2008. I get a check once a month. I have worked for over 50 years that paid into Social Security and I am now retired and wondered if I can collect my Social Security and still get the check from the railroad? Thank you!


I'm sorry for your loss.

Sunday, November 1, 2020 - 09:49

Will My Sister Be Able To Collect Social Security At Age 62 If She's Getting A Railroad Spouse Pension?

Sister is a registered nurse and paid into Social Security for over 30 years. At age 60 she started receiving a railroad retirement from her husband that retired from the railroad. Will she be able to collect social security at age 62 which will be Jan 2020 since she has well over the 40 quarters to make her eligible for social security and medicare and the railroad retirement?


Monday, October 19, 2020 - 18:08

Can I Collect Reduced Social Security At Age 62 And Then Switch To Full Tier I & II Railroad Retirement Benefits At FRA?

I am retired and will turn 62 in Dec. I have 12.5 years of credited service in Railroad Retirement and over 28 years of service in Social Security, thus I am vested in both programs. Am I able to collect from SS at 62 (at the reduced rate) and then switch to RR at the full rate for Tier I & II when I reach the full retirement age (66 & 8 mos)?

Thank you,


Hi Brian,

Monday, August 24, 2020 - 11:28

Is It Possible To Have Social Security Transfer My Earnings To Railroad Retirement?

Hi Larry,

I have worked most of my carreer in Social Security paying jobs. However I have started working as an engineer for a shortline and plan on putting atleast 10 years of service (if I can.) When I retire, what happens with my Teir 1 contributions? Is it possible to have SSI transfer my earnings from SSI into RR? I have heard that I can choose which system will provide the better payout but I wanted to be sure. If SSI happens to payout better, what happens to my Teir 2 contributions? Thanks for your information. -- Bill

Hi Bill,

Wednesday, August 19, 2020 - 09:59
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