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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

When Disabiled Rail Worker Reaches 62

(Posted July 6, 2012)

Question 884: I was a railroad employee and was injured after 18 years of service. I receive a Disability Annuity from Railroad Retirement. Am I eligible for retirement benefits when I reach age 62?

Answer: Since you are receiving a Disability Annuity from Railroad Retirement, there is no advantage to switch to a Retirement Annuity at 62.

In fact, you would lose money because the Retirement Annuity is reduced at least 30% when it begins at age 62. Your Disability Annuity is not reduced for age.


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.


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