Ask Terry Questions Turning 70 in Jan. Receiving a postal pension and a spouses RRR pension.

Turning 70 in Jan. Receiving a postal pension and a spouses RRR pension.

By Terry Savage on December 18, 2025 | Social Security

Hi Terry, my wife turns 70 in Jan. She receives a civil service pension and a spouses RRR pension through me. When she applies for social security would it or one of the others be reduced or would it be in addition to?

Terry Says

The Fairness Act removed penalties for those who also get Railroad Retirement benefits and Civil Service retirement benefits.
To find out exactly what your wife should receive go to www.MaximizeMySocialSecurity.com and pay the $49 for an analysis. You’ll get the correct number and can’t be sure that SS will calculate correctly.

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