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

Answers are provided by Robert S. Kaufman

Medical and Health Expense Coverage During Retirement

(Posted June 22, 2001)

Question 110: Are the medical insurance and prescription benefits available to retired rail workers different based on the particular railroad or year of retirement?

Answer: Railroad employees and retirees are covered by private health insurance plans which are not connected with the Railroad Retirement system. Most of the plans are the result of collective bargining agreements between the railroad and the brotherhoods (railway labor organizations).

Retirees 65 or older receive Medicare benefits through Railroad Retirement. Their benefits are identical to retirees covered through Social Security and Federal Civil Service. There are limited additional Medicare benefits for retired rail workers in Canada.

Disabled workers and disabled widows under 65 can also qualify for Medicare if they meet the prescribed requirements.

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.

Copyright 1997-2017 Robert S. Kaufman
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