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What Happens To My Contributions When I'm Not Vested?
(Posted February 8, 2002)
Question 158: I worked for the old Chicago Rock Island & Pacific RR in 1965 and 1966. I know I paid into the pension fund. How can I find out how much I contributed and if I will receive any benefits?
Answer: To be vested you need atleast 120 months of credits (10 years), or 60 months of credits (5 years) after 1995. Because it appears you do not meet either vesting requirement, your railroad credits will be sent to Social Security and combined with your earnings under that program. You will not receive any benefits from Railroad Retirement.
You can find out how much your earned from the Rock Island Line (like in that popular American ballad) from the Railroad Retirement Board. Q&A 9 of this column will tell you how to find the RRB district office serving your area.
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