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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Converting a Disability Annuity

(Posted November 2, 2014)

Question 1209: I am currently collecting occupational disability with 20 years of railroad service. I will be turning 62 in 2015. Can I collect disability and early retirement at the same time or is it better to wait until age 66 for retirement?

Answer: If you're receiving a Disability Annuity, you cannot receive a Retirement Annuity. Your Disability Annuity is higher that what you would receive from a reduced Retirement Annuity at 62. Your Disability Annuity will automatically be converted to a Retirement Annuity when you reach your full retirement age. The annuity rate will not change.


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.


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