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BenefitsLink > Q&A Columns >

Stop, Look & Listen: Railroad Retirement Benefits Q&A

Answers are provided by Robert S. Kaufman

Loss of Benefits at Early Retirement Because of Disability

(Posted December 4, 2013)

Question 1079: My husband is in the process of getting his disability benefit after 24 years with the railroad. Although it is a moot point, what benefits have we lost because he didn't have 30 years of service?

Answer: It's difficult to project how much more your husband would have received if he had worked until age 60 and then retired with 30 years. It would depend upon how much he would have earned in years 25 through 30. With less than 25 years of rail service, your husband will lose his Supplemental Annuity, valued at $43 a month. You,of course, will not be entitled to a full Spouse Annuity at 60 and will receive a reduced Spouse Annuity at 62.

Important notice:

Answers are provided as general guidance on the subjects covered in the question and are not provided as legal advice to the questioner or to readers. Any legal issues should be reviewed by your legal counsel to apply the law to the particular facts of this and similar situations.

The law in this area changes frequently. Answers are believed to be correct as of the posting dates shown. The completeness or accuracy of a particular answer may be affected by changes in the law (statutes, regulations, rulings, court decisions, etc.) that occur after the date on which a particular Q&A is posted.

Copyright 1997-2017 Robert S. Kaufman
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