Should I collect Social Security or Railroad Retirement?

Published: August 25, 2022

Full question: I receive Social Security because it is more than Railroad Retirement. Is it wise to switch over to Railroad Retirement like my husband- he is an RR retiree?

Hi there,

The Railroad Retirement and Social Security can be very situational. Meaning that depending on your situation, the answer may change. In some cases, Railroad retirement is more and on the other hand Social Security may be more, because it may include the Railroad earnings. Again, without more specific information on your Railroad Tier 1 and Tier 2 information, it is hard to say which benefit would be more income wise! You can reach out to us at to work with our team of professionals who can help gain a clear understanding of this.

Take care,

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