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Answers are provided by Robert S. Kaufman
Group Health Insurance Coverage
(Posted August 20, 2003)
Question 301: My wife is on Railroad Retirement disability from an on-the-job injury. She has over 30 years service, and they are going to put her on Medicare and take away our group health coverage from the railroad. I am disabled and have heart diease, diabetes etc. I need a lot of medications for my health, but they are taking all the benefits away from us at the end of this year. Where can we get health insurance like we have now, and why are they taking it away from us since she has an on-the-job injury?
Answer: I can really sympathize with you situation but I really can't be of any help in this area.
Group health insurance coverage and benefits are not part of Railroad Retirement. If you are in a brotherhood, your plan was collectively bargained with the railroad. I would suggest that you discuss your situation with your local union repersentative.
If that doesn't work out, then talk to the railroad benefits department to confirm your family's coverage and the effect that your wife's eligibility for early Medicare will have on it.
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