Text Version:

Insured Status

• Railroad Retirement Board pays survivor annuities if deceased employee had
  • 10 years of service or, if less than 10 years, at least 5 years after 1995
                                        and
  • Current connection at retirement or death
• Otherwise, railroad retirement credits transferred to social security

Notes:

• 10 years of service, or, if less than 10 years, at least 5 years after 1995 also required for lump-sum death benefits.

• Survivor benefits based on combined railroad retirement and social security credits. Benefits payable by either Railroad Retirement Board or Social Security Administration but not both, even if employee received benefits under both programs.