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Applying for a Disability Annuity
(Posted June 11, 2014)
Question 1140: I am a 52 year old male with 24 years on the rail. I may be put out on occupational disability. My wife is 42 years old, currently working as a school teacher. We have two children, ages 7 and 9. Are my children or wife eligible for any extra payment through occupational disability, or is permanent disability a better route for me?
Answer: When you apply for a Disability Annuity, the Railroad Retirement Board will make two decisions on your case. First they will determine if you are eligible for an Occupational Disability Annuity based on your age and amount of rail service. Second, they will determine if you meet the requirements for disability under the Social Security Act.
If you meet the SSA definition of disability, your wife and minor children may increase your annuity rate under the Special Guaranty formula. You also would be covered by Early Medicare after 29 months.
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