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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Checking on Credits Earned with REA Express

(Posted March 28, 2003)

Question 232: I worked for REA Express for 3 years in the mid-1960's. As you probably know, the company went went out of business. I hope the money deducted from my paycheck for Railroad Retirement was deposited in the pension fund. How can I find out what I contributed and what pension I'm entitled to?

Answer: Even through REA went out of business, the money withheld for Railroad Retirement was undoubtedly deposited in the Railroad Retirement Trust Fund. You can confirm this by writing to the Railroad Retirement Board, 844 North Rush Street, Chicago IL 60611. Be sure to include your Social Security Number.

You do not have the minimum railroad service to be eligible for Railroad Retirement benefits. For service before 1996, 10 years were needed in order for your benefit to be vested (non-forfeitable). So your 3 years with REA will be combined with your earnings under Social Security to determine your Social Security benefits. The actual transfer is made when you apply for Social Security.


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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