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Answers are provided by Robert S. Kaufman
Dual-Entitled Disabled Worker
(Posted July 2, 2014)
Question 1148: My friend has been awarded a disability annuity under the RRA. In addition to working for the railroad, he worked concurrently as a truck driver (paying into Social Security). Can he receive Social Security disability benefits for the loss of that additional income without losing some of the Railroad Retirement annuity?
Answer: If he meets the Social Security "20 out of 40 Quarters" test, he could be eligible for a Disability Benefit from Social Security. But the Tier 1 part of his Railroad Retirement Annuity would be reduced by the amount of his Social Security benefit, so he might not receive any additional monthly benefits.
Before going through the time and trouble of filing with the Social Security Administration, he should ask the Railroad Retirement Board if his total monthly benefits would increase by being awarded a Social Security Disability Benefit.
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