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BenefitsLink > Q&A Columns >

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

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.

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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