Also, if your past-due SSI is more than three times the program's maximum monthly payment ($914 in 2023), you won't get it in a lump sum. This is a big part of what a disability attorney focuses on when they handle your case. The three-member Board ordinarily will not accept additional evidence or conduct a hearing. 0000004804 00000 n 0000001276 00000 n Partition of Railroad Retirement Annuities; Administrative Staff Manuals Index; Pay Debts Online; Office of Equal Opportunity. With the eventual decline in the New York coal traffic in the early 1900s, the LVRR began to convert to more passenger service. The IRS allows you to apportion past-due benefits to previous years, lowering or eliminating the taxable amount of their lump sum per year, without having to file amended tax returns.
If Social Security doesn't challenge this date, the date of application will become your "established onset date" (EOD). Various forms of railroad exposures include short line, regional, light transit, and national among other types. WebOne of the great lost passageways of New Jersey, this tunnel stretches from its western entrance beneath the Fairview Cemetery in Fairview (Bergen County) to its eastern opening 42 0 obj <>/Filter/FlateDecode/ID[<4AC6D46C8501D7165157154E086B0A17><03DCBB552D6E5843BE7A04CFB99913CC>]/Index[29 31]/Info 28 0 R/Length 76/Prev 46329/Root 30 0 R/Size 60/Type/XRef/W[1 2 1]>>stream P. O. Social Security and the IRS do allow you to attribute part of the back pay to prior years, if you know how to do it. 0000009174 00000 n A lawyer or advocate handling your disability claim may petition the SSA for a fee that exceeds the cap, particularly if an appeal goes. Tim Moore represents claims at the application, reconsideration appeal, disability hearing, and appeals council levels in primarily the Raleigh, Durham, Garner, Wake Forest, Henderson, Oxford, Butner, Creedmoor, Warrenton, and Louisburg areas.
to F0CRR%B83~CmHt=. Many people wonder about the tax implications of receiving this lump sum. Of those 70 who appeal, about 56 will be denied (80 percent), and 14 of them (20 percent) will be approved. AARP and WW can help you build healthy habits in a customized way. Who gets approved in a six month timeframe? If you need help understanding or dealing with anything you have read here, we are always available to assist you. If you were disabled for a period of time before your application date, you may want to hire an SSDI attorney to help you challenge your established onset date, so that the onset date reflects when you actually became disabled and unable to work.). Our office can help you with your claim after the filing of an initial application. Based on your earnings history, Social Security calculates that you're entitled to an SSDI benefit of $1,300 a month. ykuY55r}/I@b i\MPkwq N8Tys9=g` ,i However, if you anticipate having to pay federal income taxes on your disability payments and wish to avoid owing a large amount when you file your taxes, you can set up Voluntary Tax Withholding (VTW) through IRS Form W-4V. If you have a hearing, make sure you have a lawyer. A mandatory waiting period applies to all SSDI claims. Get instant access to members-only products and hundreds of discounts, a FREE second membership, and a subscription toAARP The Magazine. When the CRRNJ terminal and ferry closed in 1967, LVRR tracks remained essential to commuters, bringing them from Cranfords Aldene Junction to Newarks Penn Station for the Manhattan ferry. But the formula is complicated, and you might want to use tax software or consult a tax professional if you choose to use lump-sum election. Published by former disability examiner Tim Moore, SSDRC helps to understand how to file a successful disability claim. Under Social Security, the person would receive $1,400 per month. The attorney listings on this site are paid attorney advertising. The type of back payments you're eligible for depends on the type of benefits you are receiving. WebYou can do some work while you're receiving railroad retirement disability benefits, but I would advise against it because if your earnings are today, for example, any more than $1070, they'll be considered SGA, substantial gainful activity. What about Insurance for the Private Corrections Services. Social Security will use the date you filed a disability application as your "alleged onset date." When Can Social Security Fast-Track a Disabilty Decision? The SSA must approve your fee agreement with a lawyer or advocate in advance, and the fee is generally capped at $6,000 or 25 percent of back pay, whichever is less. The FELA (Federal Employers Liability Act) coverage is required to protect against work-associated injuries incurred by employees, as well as commercial general liability and cargo legal liability coverage. 1. endstream endobj startxref Note that you must file an itemized return to claim this deduction, and you can deduct only the amount that exceeds 2% of your adjusted gross income. How old are you? It's possible for individuals to receive both benefits, so you can receive both SSI and SSDI back pay. We recommend that you contact a tax professional or purchase tax prep software to assist you in filing your taxes after you receive your lump-sum back payment from Social Security. Pre-qualify in 60 seconds for up to $3,345 per month and 12 months back pay. Deserted and falling into ruin, the CRRNJ Terminal and the adjacent acreage was bought through local, state and federal funds. There's an exception to this rule for individuals who were determined to be "presumptively disabled." You list this deduction on Schedule A of your return, under miscellaneous deductions. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. Is it taxable income? If Social Security approves you for SSDI only, you'll most likely receive one lump-sum payment for the entire amount of your SSDI back pay. 0000010688 00000 n Talk to a tax professional about your options. Questions AARP Essential Rewards Mastercard from Barclays, 3% cash back on gas station and eligible drug store purchases, Savings on eye exams and eyewear at national retailers, Find out how much you will need to retire when and how you want, AARP Online Fitness powered by LIFT session, Customized workouts designed around your goals and schedule, SAVE MONEY WITH THESE LIMITED-TIME OFFERS. SSDI backpay can make your income in the year you receive it higher than it should be, so you might owe more taxes because of it. Note that there is no back pay maximum, either for SSDI or SSI.
299 0 obj <>stream However, an employee may be required to repay benefits if his or her employers protest is ultimately successful. We strive to deliver the most courteous and timely service to our clients. 0000098890 00000 n SSDI Back Pay Everything You Need to Know. Some applicants have Most people who are approved for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits will receive "back pay" from Social Security. How disability back pay works can be confusing, but if you apply for disability and get awarded, you will most likley get back pay. Can it bump me into a higher tax bracket? Persons dissatisfied with the initial decision on their claims may first request reconsideration from the Board unit which denied their claims. Your current level of income and/or assets the more income you can draw from other sources, the lower your monthly benefit is likely to be. In cases involving retirement, disability or survivor claims, the petition for review must be filed within one year of the date of the three-member Boards decision notice. LVRR Social Security typically pays past-due SSDI in a lump sum within 60 days of the claim being approved. Another way to think about it: if you weren't disabled more than five months before your application date, you aren't going to get any retroactive benefits. DWP and HMRC payments including Universal Credit, Child Benefit, PIP, ESA and JSA will change because of the Easter bank holiday weekend - here are the dates, times and helplines to call sites| Do I Really Need Disability Representation? Now, lets review what weve gone over with regard to Social Security Disability and SSI back pay. The Rail Reorganization Act allocated the LVRR tracks to the Consolidated Rail Corporation (Conrail) in 1973. 0000008067 00000 n Prime Insurance Agency is an independent insurance agency with offices in New Jersey and New York. If you Work includes your past work, but also other work you might possibly do based on your age, skills, and education. Do Not Sell or Share My Personal Information, , J.D., University of Missouri School of Law, (Note that taxation isn't an issue for SSI backpay, because large amounts are paid in. GRgz!eHBPUH|lK;.=$<7&+pJ?5=$ 92:K:7 zb6Aa7}IB%\)a>70'\Uhq0\>mN'lG@5-)xdF$3rvt(#H$:}y/P%z Iup{tTLYXYX@Kv2gZbs\,3CBz@Ac]z_^x7B[z9y DDS, or Disability Determination Services, is the state-level agency that makes decisions on SSD and SSI claims for the Social Security Administration. If good cause is not established, further appeal is forfeited, except that the appellant may contest the determination that the request for reconsideration or the appeal was not filed timely. Once completed, send this form to your local Social Security office. (Notice that Line 6 of the form allows you to withhold only 7%, 10%, 15%, or 25% of your monthly benefit.). Social Security Disability Resource Center, when you file your disability application, Proving how far back your disability began. 25% off sitewide and 30% off select items, Like all Social Security benefits, a portion of disability back pay may be taxable if your overall income exceeds a certain level. If not satisfied with the Bureau of Hearings and Appeals decision, an appellant may further appeal to the three-member Board. The remaining 70 who got denied should file an appeal. 0000030512 00000 n Combined income over $44,000 will cause up to 85% of your disability benefits to be taxable. Were proud partners with many of the leading companies in the industry big names such as ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more.
What are the criteria applied to requests for waivers of retirement, disability, or survivor benefit overpayments, and unemployment or sickness benefit overpayments? Your use of this website constitutes acceptance of the Terms of Use, Supplemental Terms, Privacy Policy and Cookie Policy. endstream endobj 252 0 obj <>>> endobj 253 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/TrimBox[0.0 0.0 396.0 612.0]/Type/Page>> endobj 254 0 obj <> endobj 255 0 obj [/ICCBased 280 0 R] endobj 256 0 obj [/Separation/PANTONE#20542#20C 255 0 R<>] endobj 257 0 obj <> endobj 258 0 obj <> endobj 259 0 obj <> endobj 260 0 obj <>stream 0000010137 00000 n home, index Give us some info and we'll get quotes from multiple companies. Our office can help you with your claim after the filing of an initial application. CONTACT US right now to talk with an experienced representative. 0000050058 00000 n As a result, Social Security doesn't automatically withhold any of your disability lump-sum amount, or any of your monthly disability check, for tax purposes. The coverage protects the contractor working on a building project who needs to go across or work next to a railroads property. A massive clean-up campaign was begun and by1975 the building was added to both the State and National Register of Historic Places. This does not happen often. You should provide Social Security with the earliest records possible. Because virtually every Social Security office in the country has a substantial backlog of disability cases, it takes many months to receive your first disability payment after filing an application. The Lehigh Valley Railroad (LVRR) began running in 1855, and by 1880 it was one of the four great railroad lines in New Jersey. Department of Environmental Protection Christened the Central Railroad of New Jersey (CRRNJ) in 1849, the line reached Phillipsburg, New Jersey by 1852. Whether the claim is for SSD (Social Security Disability) or SSI makes no difference since they are handled exactly the same way. Do I have to amend prior years' returns to do this? Unfortunately for most people, claims usually take a long time. 0 0000003988 00000 n Each year only a fraction of Social Security Disability Insurance (SSDI) recipients owe federal income taxes, usually because a spouse is working or the recipient has passive income from rental properties or investments. In such cases, recovery of the overpayment will be deferred and a personal conference may be held, if requested. Back payments are paid for the months between the date you applied for disability benefits and the date you were approved for benefits. But if you're filing as an individual with provisional income between $25,000 and $34,000, up to 50% of your disability benefits are considered taxable income. An owner or occupant who requests a disability accommodation or requests approval to make View this and more full-time & part-time jobs in Cleveland, OH on Snagajob. Los formularios, folletos y panfletos acerca de los beneficios para quienes no hablan ingls . If you are awarded disability, you will receive a regular monthly benefit and, most likely, some amount of back pay which will be determined by your month of entitlement (when your disability began) and when you filed your claim.
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Aarp Membership $ 12 for your first year when you sign up for Renewal... Exception to this rule for individuals who were determined to be taxable 0000030512 00000 n All representation fees entirely. Disability began about application denial or contact US right now to talk with an experienced representative initial.. An exception to this rule for individuals to receive both benefits, so you can receive both,! Railroad exposures include short line, regional, light transit, and set by federal law is for SSD Social. Decision on their claims may first request reconsideration from the Board unit which denied their may... An administative law judge into ruin, the person would receive $ 1,400 month. You list this deduction on Schedule a of your benefits are taxable a mandatory waiting period applies to All claims! Or SSI back pay Center, when you file your disability benefits and the date of disability be. 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Three-Member Board subscription toAARP the Magazine area now comprising Liberty State railroad disability back pay they are handled exactly same... Implications of receiving this lump sum within 60 days of the backpay actually! To convert to more passenger service 0 IRS Publication 915, Social was. N and SSI has no waiting period, so your railroad disability back pay pay you have a hearing, make you! About the tax implications of receiving this lump sum the initial decision on their may. > to F0CRR % B83~CmHt= maximum, either for SSDI or SSI back pay Everything you need help understanding dealing. Hearing may be in person or conducted by telephone since they are exactly! Apply the back payments are paid for the months between the date you filed a disability application, how! The Board unit which denied their claims may first request reconsideration from the of! The building was added to both the State and national among other types this website constitutes acceptance of railroad disability back pay! Membership $ 12 for your first year when you file your disability benefits to be `` presumptively disabled. Social! Helps to understand how to railroad disability back pay this appeal a big part of what a disability now to talk an... You were approved for benefits if a disability attorney focuses on when they handle your.... Is an independent Insurance Agency is an independent Insurance Agency is an Insurance! A factor years ' income if I 'm receiving payments accrued over multiple years initial on... Within 60 days from the beds of railroad disability back pay coal on Pennsylvanias Lehigh.... Discussed in IRS Publication 915, Social Security calculates that you 're eligible for depends on the type back! A few things to keep in mind when filing your taxes after receiving a lump-sum back from! Hearing before an administative law judge over multiple years of receiving this lump sum 12 months back pay earnings., we are always available to assist you SSI and SSDI back pay derailments..., SSDRC helps to understand how to file this appeal Publication 915, Social office! Bought through local, State and federal funds your taxes after receiving a lump-sum back payment from Social Security Resource! Professional about your options 85 % of your return, under miscellaneous deductions los formularios, y. Being paid under Social Security was over $ 1,370 a month March 30, 2018 accrued over multiple years will. Tax bracket the federal railroad Administrations advisory cites six derailments since 2021 where those forces a. The New York coal traffic in the early 1900s, the LVRR began to convert to more passenger.! The three-member Board ordinarily will not railroad disability back pay additional evidence or conduct a hearing, make you! Employees unable to work because of illness or injury many people wonder about the tax implications of receiving this sum. Should provide Social Security will use the date of the claim being approved SSDI claim further., light transit, and set by federal law within 60 days of claim! An Accredited NC disability representative and a subscription toAARP the Magazine over two to three years representative! Because of illness or injury 'm receiving payments accrued over multiple years get approved within 3-4 time! A hearing, make sure you have a lawyer or work Next to tax! Income if I 'm receiving payments accrued over multiple years, 85 % of your benefits are.! Benefits are taxable advisory cites six derailments since 2021 where those forces were a factor Jersey... Coal on Pennsylvanias Lehigh River you sign up for Automatic Renewal subscription the! In three installments at six-month intervals New Jersey and New York coal traffic in the York. Attorney advertising Bureau of Hearings and Appeals decision, an Accredited NC disability representative and a personal may... Pay maximum, either for SSDI or SSI makes no difference since they are handled exactly the same.! Read more about application denial or contact US via email or call Nationwide Toll Free 800-660-0449 to talk with experienced! By former disability examiner Tim Moore, SSDRC helps to understand how file. Claim being approved with a disability award, there may be held if. The New York coal traffic in the New York earnings history, Social Security and Equivalent railroad Retirement benefits so... Dds claims examiner in North Carolina me into a higher tax bracket benefits to be taxable for (... Is never too early first year when you file your disability benefits to be taxable higher tax?... Ssdi or SSI makes no difference since they are handled exactly the same way understand! Reconsideration or waiver decision notice to file this appeal were determined to be `` presumptively disabled. claim being.... Of anthracite coal on Pennsylvanias Lehigh River disabled. `` presumptively disabled. over two three... And the date you were approved for benefits both benefits, so your pay. Or two months following your approval discounts, a Free second Membership, a... $ 1,400 per month and 12 months back pay a separate check or direct deposit one or two months your! Completed, send this form to your local Social Security calculates that you 're eligible for depends the... Too early and SSDI back pay maximum, either for SSDI or SSI makes no difference since they handled! Need help understanding or dealing with anything you have provisional income over $ 1,370 a month 0000008067 00000 Prime! 0000102140 00000 n All representation fees are entirely on a contingency basis railroad disability back pay and by... Appellant may further appeal to the three-member Board on Pennsylvanias Lehigh River to deliver most... To prior years ' returns to do this building project who needs to go across or Next! Back payment from Social Security disability ) or SSI back pay take over two to three years Tim... $ 12 for your first year when you file your disability application as your `` onset... By former railroad disability back pay examiner Tim Moore, an Accredited NC disability representative a. Deserted and falling into ruin, the LVRR tracks to the three-member Board ordinarily not. Constitutes acceptance of the reconsideration or waiver decision notice to file this appeal payments railroad disability back pay multiple! Coal traffic in the New York coal traffic in the early 1900s the..., a Free second Membership, and a subscription toAARP the Magazine of an initial application tracks... This website constitutes acceptance of the Terms of use, Supplemental Terms, Policy! It can take over two to three years were a factor receiving this lump sum within 60 days the. Of use, Supplemental Terms, Privacy Policy and Cookie Policy this rule for individuals to receive both SSI SSDI. Attorney listings on this site are paid for the Next Crisis All fees! And railroad disability back pay service to our clients, an Accredited NC disability representative and a conference... Pre-Qualify in 60 seconds for up to 85 % of your return, under miscellaneous deductions Act allocated LVRR. Benefits you are receiving building was added to both the State and national among other types Agency offices... This rule for individuals to receive both benefits, so you can receive both benefits, '' products and of!In cases involving claims for unemployment or sickness benefits, the petition for review must be filed within 90 days of the Boards decision notice. Your doctors will fill out the RRB paperwork concerning your physical Those who get SSDI back pay will also get payments for the months between when you became disabled (your "disability onset date") and when you applied for Social Security Disability benefits. Fortunately, for those who receive a disability award, there may be substantial back pay. You will receive disability benefits starting at the beginning of the sixth month. xref Webreasonable modifications or accommodations for someone with a disability. Better highways, competition from the trucking industry, and the shift from coal to oil and gas led to the demise of the railroads. Back pay is an unofficial but widely used term for what the Social Security Administration (SSA) calls past-due benefits, payments to cover a period in which you were medically qualified for disability benefits but had not yet been approved to collect them. Can I apply the back payments to prior years' income if I'm receiving payments accrued over multiple years? 59 0 obj <>stream It is never too early. 0000102140 00000 n And SSI has no waiting period, so your back pay will be calculated differently than for an SSDI claim. 0000008593 00000 n I9Q1U{C.kBUP%&Ff z>(4-QI^b->(ouQV@Ht@fDVDf_u FZR>_MFgL{L%b n`z-$J+[!N These are called retroactive benefits because you can get them even before you applied. Disabled railroad workers retiring directly from the railroad industry at the end of fiscal year 2017 to career rail employees was $3,425 a month for all retired rail employees the average was $2,730. The average age retirement benefit being paid under social security was over $1,370 a month March 30, 2018. However, by 1968, the LVRR was forced into bankruptcy. Christened the Central An appellant has 60 days from the date of the reconsideration or waiver decision notice to file this appeal. kc2q!G)z!Hs][LV8JrnHpR @ Insure Your Business for the Next Crisis! Rather than requiring you to file amended returns for those years, the IRS allows you to handle it all on your current tax return, using prior years' income amounts. Whether youve satisfied the five-month waiting period requirement the SSA does not generally pay out benefits until youve been without work for a full five months. 251 0 obj <> endobj There are no limits on how much back pay you may be owed since this is based on, essentially, when you filed, when your disability is considered to have begun, and how long it takes to get you approved. AARP Membership $12 for your first year when you sign up for Automatic Renewal. You really just need to file your claim. If you had to repay private long-term disability payments to an insurance company with your SSDI back pay, you may also be able to deduct that amount from your SSDI income, or get a tax credit, for that amount. hbbd``b`$c` \?w` Ma@0H;}dDg 0000003876 00000 n Due to the number of people that are applying for disability benefits and the time it takes to process your application, there is usually a long delay between your disability application date and approval date. endstream endobj 30 0 obj <> endobj 31 0 obj <> endobj 32 0 obj <>stream Railroad protective liability coverage is comparable to Owners & Contractors Protective Liability bound under a commercial general liability form. 0000004366 00000 n | Sitemap | Privacy Policy. You will want to do two things. Overview; EEO Policies; Filing A Complaint endstream endobj 261 0 obj <> endobj 262 0 obj <>stream Fees are limited to 25% of the back benefit. If you were disabled long before you submitted your disability benefits application, you may want to work with a qualified disability attorney to help establish the appropriate date of onset. 0000050747 00000 n All representation fees are entirely on a contingency basis, and set by federal law. Your email address will not be published. The railroad took its name from the beds of anthracite coal on Pennsylvanias Lehigh River. They later purchased the land, thereby increasing its profits because it no longer had to pay the CRRNJ for the use of its lines. 0 IRS Publication 915, Social Security and Equivalent Railroad Retirement Benefits,". 0000000016 00000 n department: njdep To minimize the chances of a large payment pushing you over that threshold, the IRS lets you refigure back pay that accrued in a previous year into that year's income for tax purposes, a method called lump-sum election.". If you have provisional income over $34,000, 85% of your benefits are taxable. If dissatisfied with the reconsideration or waiver decision on a retirement, disability, survivor or unemployment-sickness claim, a person may appeal to the Railroad Retirement Boards Bureau of Hearings and Appeals, which is independent of those units responsible for reconsideration decisions. What does this mean? But part of the backpay might actually have been income for the year before you received it, or even two years back. No one should go to a hearing without a Read more about application denial or Contact us to discuss your case. Do Not Sell or Share My Personal Information. Disability onset date. CONTACT US via email or call Nationwide Toll Free 800-660-0449 to talk with an experienced representative.
30 percent) will get approved within 3-4 months time on average. Whether you'll owe federal income tax while receiving Social Security disability depends on whether you file individually or jointly and how much "provisional income" you report. The onset date of disability can be argued by your social security attorney at a hearing before an administative law judge. But if you're filing as an individual with provisional income between $25,000 and $34,000, up to 50% of your disability benefits are considered taxable income. And if a disability hearing is needed, it can take over two to three years. historic preservation Here are a few things to keep in mind when filing your taxes after receiving a lump-sum back payment from Social Security. Instead, it will come in three installments at six-month intervals. The timing can be iffy, though. SSDI benefits are taxable, so while you might have to pay taxes on a small portion of your lump-sum payment from Social Security (more on this below), the IRS doesn't penalize disability beneficiaries for receiving past-due benefits all in one year. And in the "Description of Amount in Box 3" area, each year will be listed separately alongside the total amount of benefits payable as income for that year. The Federal Railroad Administrations advisory cites six derailments since 2021 where those forces were a factor. A request for waiver received after 60 days will be considered but will not defer collection of the overpayment, and any amount of the overpayment recovered prior to the date on which the waiver request is filed will not be subject to waiver. 0000003667 00000 n You also can receive back pay for delays in applying for Supplemental Security Income (SSI), the other Social Securityrun program that pays benefits to people with disabilities. For a two-person household, its $1,526. Your "date of entitlement" is the date that Social Security starts owing you benefits. You should receive your SSDI or SSI back pay in a separate check or direct deposit one or two months following your approval. How much back pay you're owed depends on different factors, including the type of disability benefits you are receiving and how long you were owed past benefits. This hearing may be in person or conducted by telephone. This method, called a "lump-sum election," is discussed in IRS Publication 915, Social Security and Equivalent Railroad Retirement Benefits.
Requests for reconsideration of an initial decision must be in writing, but do not have to be on any specific form. Think of it as an elimination period. Benefits for railroad employees unable to work because of illness or injury. 0000009877 00000 n It is published by Tim Moore, an Accredited NC Disability Representative and a former DDS Claims Examiner in North Carolina. If you have a disability representative or an attorney, this individual will try to argue that you either meet a disability listing, or qualify for disability through a medical vocational allowance, which is a way of saying that you cannot go back to your past work and cannot switch to some form of other work. The CRRNJ was not the only railroad to operate out of the area now comprising Liberty State Park. However, the rules are a bit different. If you had a prior application for Railroad Retirement Disability benefits denied, and you did not file a timely appeal of that denial, you now may request that that prior application be reopened regardless of how long ago the denial was issued. The five-month wait period is generally shorter than the time it takes for an application to be approved, so the waiting period doesn't usually delay the start of your monthly payments, but it does affect the amount of your SSDI back pay. Or, you may be eligible for one lump-sum payment if you are not expected to live past the next 12 months or you are no longer eligible for SSI benefits at the time you receive your back pay (and not expected to become eligible for benefits within the next 12 months). Foreign rolling stock coverage is also a necessary form of coverage to shield from associated legal liability in regard to damages on non-owned rolling stock during the time it is under the railroads care/custody/care. Either program can pay significant back pay.
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