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Answers are provided by Robert S. Kaufman
Retired Rail Worker With Adult Disabled Child
(Posted July 12, 2014)
Question 1155: I am a retired rail worker with 35 years of service. My daughter is disabled since birth; she is now 24. She receives SSI benefits and Social Security benefits based on my deceased wife's earnings (who only worked a short time, for an employer covered by Social Security). Should I file for a Railroad Retirement benefit for her (because the number of my years of service are much more than those of my deceased wife)? Would I be eligible for a benefit under the Special Guaranty Formula?
Answer: You should contact the Railroad Retirement Board (RRB) and inform them of your disabled daughter. Their toll-free number is: (877) 772-5772. The RRB will contact SSA to ask for copies of medical evidence as to your daughter's disability.
The RRB will calculate your annuity rate under the Special Minimum Guaranty Formula. The fact that your daughter is drawing a Social Security benefit will lower your guaranty rate.
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