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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Railroad Credits Are Not Reflected on Social Security Earnings Statements

(Posted April 25, 2006)

Question 576: I worked for the railroad during 1971, 1973, and 1974. I understood that my Railroad Retirement credits would be transfered to my Social Security account. A review of my Social Security Earnings Statement reflects that my rail earnings are not included. I am informed that my rail earnings will get thrown into the Social Security mix when I apply for Social Securitybenefits.

Is this accurate and is there any way to estimate how those earnings will affect the check I will receive from Social Security?

Answer: Your railroad earnings are normally not transferred to Social Security until you file for social Security benefits. So the annual statements sent by Social Security will not include your railroad work.

You can ask the Railroad Retirement Board for a record of your service & compensation. Then ask Social Security to give you an benefit estimate including your railroad earnings.

To get a record of your Railroad work, write to:

US Railroad Retirement Board
844 North Rush Street
Chicago IL 60611

Be sure to include your full name & Social Security number.

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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