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Getting Estimate of Social Security Benefits with Rail Credits
(Posted September 7, 2004)
Question 512: I was a railroad employee from 1966-1970. I was told in 1970 that the money witheld from me would be transferred to Social Security. My recent Social Security printout shows no contributions for those years. Can those years of contribution to railroad retirement fund be transferred or refunded, and if so what would I need to do to go about doing that?
Answer: Normally, rail credits for non-vested rail worker are not sent to Social Security until a worker becomes disabled, retires or dies. A worker may return to the rail industry years later and become vested so an immediate transfer might prove unnecessary.
As a result, you shouldn't expect your annual statement from SSA to reflect your railroad work credits.
You can ask the Railroad Retirement Board to furnish you with a statement of your rail service with an yearly breakdown of service and earnings. You can then take that to SSA and ask them to give you an estimate of benefits including your rail work.
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