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BenefitsLink > Q&A Columns >

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

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.

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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