I have not direct experience but I found this https://www.rrb.gov/RB17/For_use_wit...TierIAndTierII
It looks like SSEB portion is treated the same as SS and the NSSEB is treated like a pension for tax purposes. Depending on how long she actually worked for the RR as an employee and the amount of her pension, actual SS for the work done as a contractor could subject her too WEP (Windfall Elimination Provision) law like CSRS employees. Since Social Security is based on top 35 years of earning and RR doesn't pay into SSA, the calculated amount would be less but she should be able to open her account at SSA.gov to see what they have on file for her. Maybe one of. our CSRS retirees can address when WEP works or see https://www.ssa.gov/benefits/retirem...anner/wep.html
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