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

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.

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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