BenefitsLink > Q&A Columns >
Answers are provided by Robert S. Kaufman
Rail Credits Are Sent To Social Security When Worker Is Not Vested
(Posted September 10, 2006)
Question 590: I worked for REA Express in St. Louis, MO from 1964 until 1966. How can I find out if I am qualified for a railroad pension when I retire in three years?
Answer: From the information you furnished, you will not be vested under Railroad Retirement when you retire. During the years you worked for REA, 10 years of rail work credits (120 months) were required for vesting. Your rail credits will be transferred to Social Security and then combined with the quarters of coverage that you have earned under the Social Security system.
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