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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Get 30 Years If You Can

(Posted April 23, 2004)

Question 435: What are the major pitfalls if my husband goes on disability with 29 years and 10 months? His employer doesn't want to award him the two vacation days that would give him his full 360 months. We don't know if it's worth the fight or not. He is 49 and I'm 48.

Answer: It would be well worth it! Having 30 years' service credits would allow you to get a full wife's benefit at age 60 instead of a reduced one at 62. The difference is significant in terms of total benefits received over your lifetime.

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.

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