If you're a railroad worker who has suffered a disability, know that the Railroad Retirement Act provides annuities to help cover your medical and living costs. The amount you will receive depends upon the extent of your disability - whether it's considered total or occupational.

A railroad employee is considered to be totally disabled if medical evidence shows a permanent physical and/or mental impairment that prevents him or her from being able to perform any regular and gainful work. Such a condition is deemed permanent if it has lasted or is expected to last for a continuous period of at least 12 months or to result in death.

An employee is considered to be occupationally disabled if a physical and/or mental impairment prevents him or her from performing the duties of his or her regular railroad occupation, but may be able to perform other kinds of work. "Regular occupation" generally refers to particular work that an employee has performed for hire in more calendar months than any other work during the last five years; or that was performed for hire in at least half of all the consecutive months in which the employee worked for hire during the last 15 years.

Other factors also are considered, including time working under a labor organization, filing deadlines and particular health conditions. For instance, Medicare coverage before age 65 is available for totally disabled employees and those suffering from ALS (Amyotrophic Lateral Sclerosis) or chronic kidney disease.

Railroad disability issues can be complex. To assure you receive the full benefits you're due, call Jacksonville's Rail Justice at 888-519-RAIL (7245).