You cannot collect both Social Security & Railroad Retirement. It's nice my spouse collects a retirement check from the railroad & it is more than what she would have received from Social Security & it's about 50% what the employee receives. The employee's retirement doesn't increase nor decrease with or without having a spouse. Should I pass 1st, her spousal railroad retirement will end & she will instead collect Railroad Retirement Survivor's Benefits (what the employee was receiving monthly). I had retired from Amtrak's Northeast Corridor Signals Dept at age 60 with 30 years service.Doktor No wrote: ↑Sun May 21, 2023 8:10 pmhttps://www.rrb.gov/Newsroom/NewsReleas ... Reductions Heck, maybe everyone from class ones on down can retire at 60 with 30 years....I give up on that one. But there you have the ages etc etc. You pay something like 17% more into RRRetirement vs SS but RRT is way better and your wife gets an annuity too on top of her SS. IIRC when you go to the big roundhouse in the sky for the final tie up your wife gets YOUR retirement.
Amtrak provides free health care (80% coverage) until age 65 & free dental for 1 1/2 years after retiring. We also retain our rail travel privileges' at the same level as being an active employee.