New York Disability Laws

Qualifications for Occupational Disability Annuity

Hi, I’m Gabe Herman, and today we are going to speak about the difference between occupational disability and total disability under the Railroad Retirement Act. In order to be eligible for an occupational disability annuity, you need to be unable to work in your regular railroad job. While you might be able to do other work, the railroad is concerned specifically about the job you did for them.

In addition, you have to have a current railroad connection with either 240 months of creditable railroad service, which comes to 20 years in, or be at least 60 years old with 120 months of creditable railroad service, which is a ten year tenure. In addition, you have to be permanently disabled from the work you did in your regular railroad occupation. Regular railroad occupation is the job you did in the last few years that you were working for the railroad. For example, if you were a conductor, you have to be unable to do the jobs that the railroad requires a conductor to be able to do. If you were an engineer, you have to be unable to drive a train. If you worked in the office, you have to be unable to do the office work, whether it was clerical or computer or ticket taking.

Qualifications for Total Disability Annuity

If you have not worked for 20 years with the railroad, or if you are not over 60 and have 10 years in, the benefit that you are eligible from the railroad is the total and permanent disability annuity. In that case, you have to be unable to work in any kind of job at all. An additional qualification is you have to have at least 120 months of creditable railroad service and be permanently and totally disabled from any kind of regular work. If you don’t have 20 years into the railroad, but you have over 10 years of work with the railroad, and you are unable to work in any capacity at all, you might be eligible for a total and permanent disability annuity.

Again, you have to be unable to work in any other kind of job to qualify. Not just the work you did for the railroad, but any other work. You have to stop all work, but you do not have to have a current connection to the railroad. You should consult with an attorney to determine which kind of benefit is appropriate for you to seek, and exactly what you must do in order to be eligible for that benefit.

By: Gabe Hermann

Problems With Disability Compensation Claims

My name is Gideon Miller, and we’re going to talk about what problems you may face during your VA claim for disability compensation. Evidence of service connection may be extremely hard to come by, and even when presented with what you think is strong evidence, the VA often makes decisions that cause you to shake your head in disbelief. Even if service connection is accepted, you can appeal either the rating percentage, the effective date of the disability, or both.

The VA will only approve attorney fees for work done after there has been an initial decision, so unlike Social Security, it is very unusual for an attorney to be involved in the initial application. This can lead to incomplete claims, as can the fact that the VA may approve one part of the case and deny another or perhaps give a different effective date for a third part.

Additionally an acceptable rating may be issued by the VA as yet another example of how the VA may be involved in your case, so you can have claims pending at many different levels concerning many different issues at the same time.

Added to the complexity of claims and the law involved is the delay. It can often take years for an appeal to be heard, and frustration is inevitable. You should seek experienced counsel as soon as an initial determination has been made, due to time limits and the frequent difficulty in obtaining evidence and records. A huge fire at a veterans’ record center in 1973 destroyed the records of over 16 million veterans, many of whom are still entitled to benefits today.

By: Gideon J. Miller