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Work Record Required for Disability Benefits
(Posted June 27, 2003)
Question 280: Regarding your answer to Q&A 277, I've read somewhere that a rail worker needs employment in every year beginning in 1975 or be at least age 21 in order to be eligible for disability benefits. Is this true? Are there any exceptions to the rule?
Answer: You may have mixed several different rule requirements together.
To be vested for total disability, a rail worker either must have 5 years of service after 1995 or 10 years of service (whether before or after 1995).
To be vested for occupational disability, one must have a "current connection" and either be age 60 with at least 10 years of service, or any age with at least 20 years of service.
Neither 1975 nor age 21 has anything to do with disability eligibility!
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