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

Answers are provided by Robert S. Kaufman

Vesting Is Forever!

(Posted April 21, 2003)

Question 248: I worked for the Santa Fe Railroad from 1977 until 1994 when I received a severance buyout payment. Am I still covered under Railroad Retirement? If I am covered, how much can I receive?

Answer: With more than 10 years of railroad service, you are vested in the Railroad Retirement system. You will be eligible for benefits at 62, or earlier if you become permanently disabled for all work.

To get an idea of what you will receive, you need to contact the Railroad Retirement Board District Office serving your area. Go to to find the address and phone number of that office.

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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