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Facing Unfair Denial of Your Railroad Retirement Benefits?

Our Railroad Retirement Board Disability Lawyers Will Appeal on Your Behalf.

For over 90 years, the Railroad Retirement system has provided critical financial and healthcare support to the devoted men and women who keep America's trains running. These are the hardworking individuals who sacrifice years of their lives ensuring our economy thrives and American families can put dinner on the table. When serious illness, injury or age ends your career on the railroad prematurely, you deserve a secure retirement and disability safety net in return for your years in service.

We realize that navigating this complex federal program can be confusing and disheartening - especially when you're denied the disability or retirement benefits you deserve, for seemingly no reason. When the Railroad Retirement Board wrongly denies your retirement or disability benefits, our skilled railroad retirement benefits lawyers can help you appeal and obtain the support you need. Call our team at (877) 715-9300 for a free consultation.

What is the Railroad Retirement Board?

The Railroad Retirement system is an alternative to Social Security for those who work in the railroad industry. Established in 1934 under the Railroad Retirement Acts, this federal program - which predates Social Security - is entirely overseen by the Railroad Retirement Board (RRB) and funded by payroll taxes paid by railroad employers and employees. To qualify for Railroad Retirement benefits, an employee generally needs at least 5 years (60 months) of railroad service. Certain benefits require additional years of employment.

Railroad Retirement operates as a two-tier system:

Tier I - provides benefits similar to Social Security, based on the employee's combined railroad and Social Security-covered employment.

Tier II - resembles a private pension, based solely on years of railroad service. The amount of monthly benefits depends on an employee's length of service and earnings.

Railroad Retirement Age & Service Annuities

Age and Service Annuities are the main retirement pensions for railroaders, similar to Social Security but with early retirement options. They are a lifetime monthly payment. To qualify for an Age and Service Annuity:

Retirees must be at least age 62 with 5+ years of service.

Disability retirees must have at least 5 years of service prior to disability.

Retirees with 30+ years of service can retire as early as age 60.

Qualified spouses and widow(er)s also receive annuities.

The Age and Service Annuity amount an employee can receive increases with higher earnings and more years of employment on the railroad.

Railroad Retirement Disability Benefits

Railroad Retirement disability benefits are for rail workers who become unable to work due to illness, injury or other medical conditions before retirement age. There are two categories of these benefits:

Occupational Disability:

This is designed for railroad employees who, due to health issues, can't continue with their specific railroad duties. However, they might still be capable of undertaking other types of employment.

Workers need a minimum of 10 years of service in the railroad industry to be eligible for this benefit.

Total and Permanent Disability:

This benefit is available for those railroad workers who are so severely affected by health issues that they can't engage in any form of regular employment. Workers can qualify for this benefit irrespective of age, as long as they have at least 5 years of service in the railroad sector.

General Eligibility Criteria for Disability Benefits:

All railroad workers must have contributed to the Railroad Retirement system for a minimum of 5 years to be considered for any of the above disability benefits. The criteria to prove disability varies depending on the number of years a worker has served in the railroad industry:

5-20 Years of Service: Workers in this bracket are evaluated based on the same standards as the Social Security Disability (SSD) system. Those with 10 years of service who are over 60 but haven't yet reached the full retirement age have to demonstrate that their health condition prohibits them from working in any capacity.

20+ Years of Service: Those with two decades or more in the railroad sector only need to prove the "occupational standard" of disability, meaning they must show they can no longer fulfill their specific railroad job functions.

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Supplemental Benefits

Beyond the foundational disability payments, the Railroad Retirement system provides supplemental benefits to give workers an extra layer of financial security. These added benefits are determined by:

    Age - As workers approach normal retirement age but illness forces early exit, supplemental benefits help bridge the gap to what they would have received at full retirement.

    Years of Service - Long-time railroaders can receive higher supplemental benefits in recognition of their extended dedication to the industry over their careers.

    Earnings History – Workers with steadily increasing earnings trajectories may qualify for enhanced benefits reflecting their income growth cut short by disability.

    Spouse Benefits

    The Railroad Retirement system also considers the worker's family's financial well-being. When a railroad employee qualifies for disability:

    Spouses can start receiving benefits right away, especially if they are older or caring for children.

    Spouses can also get a portion of Tier I and Tier II benefits, significantly helping to cover household costs.

    If the worker passes away, the system ensures continued income support to the surviving spouse based on the worker's earnings and service time.

    Overall, the Railroad Retirement system aims not just to assist the worker, but to protect their families from financial hardship due to an illness or injury cutting a rail career short. The system takes a holistic family-focused approach.

    Key Differences Between Retirement Annuities and Disability

    While railroad retirement annuities (otherwise known as retirement benefits) and disability benefits both offer vital support to railway workers and families, there are several key differences between the two types of benefits:
    The primary difference between these two types of benefits lies in their purpose. Annuities are designed to provide retirement income to older railroad workers or those with enough years of service time. They support leaving the workforce after long careers. In contrast, disability benefits aim to replace lost earnings for railroad workers unable to continue working due to illness, injury or other medical conditions that arise prematurely before retirement.

    Eligibility criteria also differs between the two benefit types. Retirement annuities, are based heavily on age thresholds and accumulating enough years of railroad employment service time. Disability benefits depend more on meeting specific medical criteria that confirms a worker's inability to continue any gainful employment. Though some disability benefits also require minimum years of railroad service history.
    Finally, the payment amounts are calculated differently for each of these programs. Disability benefit payment amounts directly take into account the rail worker's earnings history and salary prior to their injury or illness. Meanwhile, retirement annuities are calculated based on the employee's full lifetime railroad earnings and total tenure, or length of time, in the industry.

    Understanding these key distinctions helps railroad workers and their families better comprehend the purpose of each benefit type and plan for their financial futures.

    Common Reasons Railroad Retirement and Disability Benefits Are Denied:

    Despite contributing payroll taxes, many railroad employees find their rightful retirement and disability benefits unfairly denied. Common reasons for improper denials include:

    Strict guidelines for medical evidence of total disability. Approval requires extensive medical testing and physician opinions proving inability to work.

    Failure to correctly complete complex application forms and procedures. The paperwork is convoluted and small errors can invalidate strong claims.

    Difficulty proving onset date of medical disabilities years after the fact. Diagnosis timing must align with work cessation.

    Inconsistencies in self-reported symptoms versus medical files. Minor differences are viewed as red flags.

    Being denied Social Security disability benefits. This raises scrutiny of aligned Railroad Retirement claims.

    Having worked another non-railroad job after injury. This can wrongly indicate an ability to still work.

    Failure to meet strict attendance policies for medical exams and records requests. Noncompliance appears as refusal to cooperate.

    The Railroad Retirement Board imposes high burdens of proof for awarding benefits that often ensnare deserving applicants. But with an attorney's help, denials can often be successfully appealed.

    Railroad Retirement Benefits and Social Security

    It is possible for a person to receive both railroad retirement benefits and Social Security disability benefits if they worked other jobs during their life and also worked for the railroad for a period of time. While Railroad Retirement and Social Security are separate programs, they interact in certain ways for disability benefits:

    Workers can't receive overlapping disability benefits from both programs for the same injury or illness period.

    Approval for Social Security disability aids Railroad Retirement disability claims, and vice versa, by confirming medical inability to perform any occupation.

    If Social Security denies disability, Railroad Retirement typically investigates even more stringently, though RR disability can still be approved if medical records prove railroad worker-specific disabilities.

    Certain Railroad Retirement disability recipients can later apply for Social Security disability benefits and retroactively receive combined benefits from both programs, less any overlaps.

    For occupational disabilities, Social Security benefits aren't payable, only Railroad Retirement benefits.

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    Deadlines for Railroad Retirement Board Claims

    Disability benefits:

    You must file an application for disability benefits within one year of the date your railroad employer last paid you for working. If you miss the deadline, you may still be able to file an application, but your benefits may be reduced.
    You should contact the RRB as soon as possible if you are thinking about applying for disability benefits so that they can help you with the process.

    Retirement annuities:

    You must file an application for a retirement annuity within three months of the month you turn age 70, or within three months of the month you separate from rail service if you are over 70 years old. If you miss the deadline, you may still be able to file an application, but your benefits may be delayed.

    You should contact the RRB at least six months before you plan to retire so that they can assist you with the long application process.


    If you are denied a disability or retirement annuity, you have 60 days to request reconsideration. Filing an appeal is absolutely crucial to get wrongful denials overturned, so this deadline is pivotal.

    If your request for reconsideration is denied, you can appeal the decision to the RRB Bureau of Hearings and Appeals within 60 days of the denial.

    If your appeal to the Bureau of Hearings and Appeals is denied, you can file a final appeal with the Three-Member Board within 60 days of the denial.

    It's important to note that you have the right to be represented by an attorney at any stage of the appeals process.

    While there may be exceptions to these deadlines in certain cases, letting any of these short windows lapse can cause you to forfeit your benefits regardless of your work history, so consulting a legal expert on the deadlines is key.


    Our 3-Step Process

    Connect With Us:

    Call our office at (877) 715-9300 or use our online form to arrange a no-cost, no-obligation consultation with our legal team.

    We Assess Your Case

    In our initial review, our experienced team will analyze the details of your case and map out potential strategies. If you've experienced an injury due to negligence, we’ll assign one of our expert personal injury attorneys to handle your case.

    We Defend Your Rights

    As one of the Southeast’s top personal injury firms, Wettermark Keith is fully committed to advocating for your rightful compensation and recovery. If an injury has disrupted your life, let our dedicated attorneys seek justice on your behalf.

    Frequently Asked Questions

    Completing forms accurately is crucial when navigating the Railroad Retirement system. The forms can be complex, and any oversight or error can potentially delay or jeopardize your application. To increase the likelihood of a successful submission, consider the following steps:

    1. Gather All Necessary Documents First: Before you begin filling out the forms, make sure you have all the required documents on hand. This often includes medical records, proof of railroad service, and any other pertinent information.
    2. Read Instructions Thoroughly: Each form will come with specific instructions. It's vital to read through these guidelines carefully to ensure you understand every requirement.
    3. Be Precise and Detailed: When providing details, especially concerning your medical condition or employment history, be as precise and detailed as possible. Avoid vague statements, and ensure that your information aligns with the documentation you provide.
    4. Double-Check All Entries: Before submitting your form, review each entry to ensure there are no errors or omissions. It might also be helpful to have a trusted person review the form to catch any mistakes you might've missed.
    5. Make Copies: Always keep copies of every form you submit. This ensures you have a record of what was sent and can be invaluable if there are questions or concerns about your application later.
    6. Submit Before Deadlines: Ensure that you're aware of any deadlines for submitting your application. It's a good practice to submit your forms well in advance of these dates to allow for any unforeseen delays.
    7. Stay Informed: Regularly check with the Railroad Retirement Board's website to see if there are updates or changes to the application process.

    Because the Railroad Retirement Board is careful about maintaining the integrity of its system, they might periodically ask you for updated medical documentation or even schedule medical reviews. It's important that you stay proactive and respond promptly to these requests to prevent any potential interruptions in your benefits.

    At its core, the Railroad Retirement system acknowledges both your health conditions and the length of your service. Regular retirement benefits cater to those who've reached a certain age and amassed adequate service credits - these benefits celebrate and reward your time in the railroad industry. In contrast, disability benefits are exclusively for workers who, due to medical conditions, can't continue their job. These benefits act as a financial safeguard, ensuring you're supported even when facing serious health challenges.

    Facing a denial can be daunting, but remember, the system has multiple tiers of review. If your claim faces rejection at one level, it's not the end of the road. You typically have the opportunity to appeal to a higher tier, often with more detailed scrutiny. Our seasoned lawyers are well-versed in RRB appeal processes.

    Some disabilities might hinder certain job functionalities but still allow other tasks. Therefore, your ability to work in some capacity doesn't outright disqualify you from receiving disability benefits. Our lawyers can help you navigate these nuances, determining how your specific disability and job responsibilities intersect and affect your eligibility.

    The Role of a Railroad Retirement Board Lawyer

    A Railroad Retirement lawyer can provide invaluable assistance to workers improperly denied their rightful benefits. Our attorneys can assist you in a variety of ways, including:

    Analyzing work and service history to determine eligibility for various Railroad Retirement benefits like retirement annuities, supplemental payments, spouse benefits, and survivor benefits.

    Providing guidance on the best timing for applying for different benefits based on age, disability onset, or other factors.

    Compiling supporting documents like tax records, service verification, marriage certificates, medical records, and more to attach to claims.

    Appealing denied claims and arguing effectively for a reversal of your unjust denial.

    Representing you at Railroad Retirement Board hearings and skillfully making your case before the judges.

    Coordinating with doctors, employers, agencies, and other entities to obtain evidence backing disability, work history, or other relevant details.

    Providing legal guidance on Railroad Retirement laws, policies, changes, deadlines, and other requirements.

    With so much at stake, having a Railroad Retirement attorney in your corner can significantly level the playing field. Never let wrongful denials by the Railroad Retirement Board go unchallenged.

    Denied Retirement Benefits? Wettermark Keith is Here to Help.

    If you feel the Railroad Retirement Board unfairly denied your hard-earned disability or retirement benefits, don't give up hope. For over 60 years combined, our firm has helped railroaders and their families recover wrongfully denied benefits through successful appeals and courtroom victories, securing the dignity our clients deserve. Trust our seasoned legal team to stand up to the Railroad Retirement Board on your behalf. We won't rest until justice is achieved. The benefits you worked for are within reach. Contact us today for a free consultation and start taking back control.

    Wettermark Keith, with offices located throughout Alabama, Tennessee, and Florida, has an excellent reputation as one of the most accomplished personal injury firms in the country. Our reach is not only regional but includes a diverse range of practice areas, including premises liability law, personal injury cases, auto wrecks, trucking wrecks, nursing home abuse, medical malpractice, on-the-job injuries, social security disability, and veterans’ disability claims, to name just a few. At Wettermark Keith, we believe in taking cases personally. Our purpose is to practice with care and compassion - to tell our clients’ stories and make their voices heard. We do this by building strong relationships based on constant communication and an unwavering dedication to truth and trust. You should never wonder what’s going on with your case. We will keep you in the loop and represent you as if you are family- because to us, you are.

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