What is the best claiming strategy if you are eligible to collect both Social Security and Railroad Retirement?

Published: August 25, 2022

Full question: Is there a strategy if you have both Railroad retirement credits, my case 13 years’ worth and about 27 years of Social Security credits. Turn on one before or at FRA then switch to the other to get the delay credits from Social Security?


Railroad Retirement and Social Security can be very situational. There are strategies that can help you decide which one to take, or to take one and switch to the other. Tier 1 benefits and Tier 2 benefits should be considered with your strategy. Without knowing more information it is hard to tell you what the best strategy would be, but you can reach out to us at RSSA.com to schedule a free consultation and determine if you would like to work with an RSSA.

Take care,

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