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What Benefits Does a Surviving Disabled Child Receive?
(Posted July 20, 2014)
Question 1157: I am retired, 64 years old, and am collecting a Railroad Retirement benefit for my 35 years of service. My wife is deceased. I have a disabled daughter who is 24 years old; she has been disabled since birth. The RRB told me that, when I die, my daughter will receive a benefit. What will that benefit be? Would it be the amount my wife would have received had she had not died?
Answer: Upon your death, your adult disabled child will receive a Disabled Child's Annuity. It consists of 75% of your Tier 1 benefit and 15% of your Tier 2 benefit.
That amount is lower than your deceased wife would have received as a widow, because a widow receives 100% of your Tier 1 benefit and 50% of your Tier 2 benefit.
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