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BenefitsLink > Q&A Columns >

Stop, Look & Listen: Railroad Retirement Benefits Q&A

Answers are provided by Robert S. Kaufman

Spouse, Ten Years Younger Than Rail Worker, Is Concerned About Health Insurance

(Posted May 12, 2013)

Question 1008: My husband is 65 and has worked for the railroad for 35 years. I'm 10 years younger (age 55). He plans to retire after his 66th birthday (November 2013). I have health insurance though his work and so do our 3 kids (21, 21 and 23). What happens to our insurance once he retires? What type of health insurance will he have then (Medicare only)? Also, at what age can I collect my spousal Railroad Retirement benefit?

Answer: Rail workers health insurance, except for Medicare, is not administered by the Railroad Retirement Board (RRB), but by the individual railroad employers. You should contact the benefits department of your husband's railroad to find out if your the children will be covered after he retires.

If you and the children need health insurance, you will need to purchase a policy from a private insurance carrier. If your husband need a supplemental policy to cover deductibles, co-insurance charges and other expenses not ocverd by Medicare, he will also need to purchase a policy.

Because your husband has more that 30 years of rail service, you can receive a full Spouse Annuity when you are 60.


Important notice:

Answers are provided as general guidance on the subjects covered in the question and are not provided as legal advice to the questioner or to readers. Any legal issues should be reviewed by your legal counsel to apply the law to the particular facts of this and similar situations.

The law in this area changes frequently. Answers are believed to be correct as of the posting dates shown. The completeness or accuracy of a particular answer may be affected by changes in the law (statutes, regulations, rulings, court decisions, etc.) that occur after the date on which a particular Q&A is posted.


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