My wife is eligible for Railroad Retirement and Social Security. What are her options?

Published: August 29, 2022

Full question: My wife is getting Railroad Retirement and is receiving $1,423 a month. Her Social Security statement says that she is eligible for $2,309 a month under Social Security. Can you please tell us what her options are if any at all? Thank you.


Railroad retirement benefits and Social Security claiming strategies can be very complex because of Social Security, Tier 1 & 2 railroad benefits. This has a lot of moving parts so the options for each case can vary drastically.

If you would like help with your claiming decisions, schedule an initial consultation with us here to see if working with an RSSA is a good fit for you.

Take care,

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