If I switch from Railroad spousal benefits to my own retirement benefit at 70, will I still receive delayed credits?

Published: March 14, 2023

Full question: My wife retired from the railroad at 63. I am collecting a railroad spousal annuity at 65. When i switch at 70 to my own Social Security which is higher than my Railroad spousal annuity, do i get the delayed Social Security credits from 66 and 6 months to 70?


Thank you for your question about Railroad Retirement Board benefits.

Yes, if you are currently collecting a spousal RRB annuity, you can switch to your own retirement benefit at age 70 and you will receive the delayed retirement credits accrued between your FRA and age 70.

Please reach out to us at help@rssa.com to schedule a consultation and learn more about how an analysis can give you exact answers and amounts of benefits you are entitled to.

All the best,

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