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Answers are provided by Robert S. Kaufman
Benefits For Children of Disabled Workers
(Posted October 2, 2002)
Question 193: I'm on medical disability and I have a 16 year old child in high school. How much will she get from Railroad Retirement?
Answer: A child of a living retiree cannot draw benefits from Railroad Retirement. This is one of the important differences that still exists between Railroad Retirement and Social Security.
A child under 18 can be included in the calculation of your benefits under the "Special Minimum Guaranty" formula if you have a "Period of Disability" established by Railroad Retirement. You will need to met the stricter disability critera used by Social Security. If you do, the inclusion of your teen-age child might increase the benefits paid to you. Your annuity will be recomputed when your child turns 18 and hence is no longer eligible to be included.
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