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A pension plan is an agreement between an employee, their employer and, for some jobs, the union. Sometimes, the employer contributes and sometimes the employee does as well. Employers are not required to have pension plans. A federal law, the Employee Retirement Income Security Act of 1974 (ERISA), sets the standards for private pensions. It also provides guaranteed pensions in some cases.
The federal Railroad Retirement Board handles this benefit program for eligible workers and their families.
General Eligibility
Like Social Security, Railroad Retirement benefits are based on months of service and earnings credits. Employees of railroads engaged in interstate commerce, some related industries, railway associations, and national railway labor organizations qualify for Railroad Retirement after 10 years of credited work.
Chances are you rely on your vehicle to get you where you need to go — and when you need to go — whether it’s to work, school, the grocery store, or the soccer field. But if you’re late with your car payments, or in some states, if you don’t have adequate auto insurance, your vehicle could be taken away from you...
OK, so you can no longer afford your car. What to do? The first idea comes to you after a few intense discussions with your spouse or perhaps after a few beers. “I know, we’ll just give it back.” The next day you call the dealership and tell them why you can’t afford to make payments. Fully expecting to hear from that same understanding salesman that threw in the leather and sunroof at “factory” prices, instead you get the third degree about late fees and penalties.
Social Security income is a lifeline for most seniors. Because it is considered so essential for survival, it has traditionally been protected from attachment by creditors. However, there are some exceptions.
Please review the guide below for more information.
Forms for Current Guardians/Conservators and for a Complaint Against a Current Guardian or Conservator
This brochure provides information on different ways to manage decision-making as we age.
This brochure was created by the Idaho Court Assistance Office and provides information on common questions and answers related to guardianships and conservatorships, and is designed to help you understand what a legal guardianship or conservatorship is, how it is obtained, and describes the responsibilities of a guardian and/or conservator.
This guide by the Self-Advocacy Speaker's Network details how supported decision making may be an alternative to a guardianship for a disabled adult.
This brochure was created by Idaho Legal Aid Services, Inc. and advises seniors and their caregivers on available resources for caregivers, both legal and non-legal.
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