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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Disabled Rail Worker with Young Child

(Posted December 23, 2009)

Question 739: I was an engineer with 29 years service when I went on permanent disability pension due to a heart attack at age 58. I'm 63 now. We have a late-in-life child who is now age 8. Would she receive an annuity if my wife and I both die, and about how much would it be?

Answer: If you were to die before your child reaches 18, she would receive 75% of your Tier 1 benefit, and 35% of your Tier 2 benefit.

You also might be entitled to an increase in your disability annuity under the Special Minimum Guaranty formula by including your wife and daughter. You should ask the Railroad Retirement Board to "test" your annuity to see if an increase can be made.

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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