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Railroad Retirement Credits Transferred to Social Security When Worker Not Vested
(Posted November 13, 2000)
Question 72: A friend of mine worked for the Grand Trunk Western in the 1970's. He would like to find out what happened to his pension contributions (he is sick and could use the money). He was told his railroad work credits have been transferred to Social Security. Is this true? Why hasn't he received notice of this?
Answer: Although you don't say, I'm assuming that your friend has less than 10 years of railroad credits and therefore is not vested for Railroad Retirement benfits.
Yes, it is true that his railroad credits are sent to Social Security and combined with his Social Security credits.
See Q&A 68 (click) for more discussion of this situation.
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