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

Answers are provided by Robert S. Kaufman

Combined Benefit Payments by RRB

(Posted February 9, 2000)

Question 40: I retired in January 1999 and I filed for both Railroad Retirement and Social Security. Within 60 days, I recived a check from Railroad Retirement. Because I had at least 10 years of rail work and more than 40 quarters of Social Security coverage before 1975, I thought I was grandfathered and should still receive full and seperate benefits from both systems. Am I wrong?

Answer: It appears that you should be receiving a "Vested Dual Benefit" from Railroad Retirement in addition to your Tier 1 and Tier 2 benefits. The Vested Dual Benefit resores the separate Social Security Benefit you earned through December 31, 1994.

The Railroad Retirement Board pays all of your Railroad Retirement and Social Security in a single monthy payment. Therefore, the Vested Dual Benefit should be included in the payment you currently receive.

You should confirm this with the Railroad Retirement Board and you should also ask them for an exact breakdown of the combined payment.

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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