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.
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