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56-Year-Old Unemployed Rail Worker Can Apply for Disability Annuity
(Posted November 25, 2012)
Question 926: My husband was discharged from rail service (35 years) a few months ago. He is 56 years old and has been receiving unemployment since. Would he be able to apply for Railroad Retirement disability if he becomes disabled?
Answer: If you husband becomes disabled before he reaches his full retirement age, he can apply for a Disability Annuity.
Your husband will be eligible at 60 for a full retirement Annuity. Until then, he should be aware that if he begins working outside the railroad industry and has substantial earnings he may lose his "Current Connection" with the rail industry. This would mean the loss of a Supplemental Employee Annuity (up to $43 a month), he no longer would be entitled to receive to an "Occupational Disability Annuity," and payment of survivor benefits by Social Security rather than Railroad Retirement.
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