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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.
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