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BenefitsLink > Q&A Columns >

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

Answers are provided by Robert S. Kaufman

Health Insurance After Retirement

(Posted August 15, 2004)

Question 504: At retirement, does the railroad provide health insurance coverage at a reduced and affordable cost (other than Medicare coverage)?

Answer: Health insurance, except for Medicare, is not part of the Railroad Retirement program.

Some national group insurance benefits have been negogiated by the brotherhoods and the railroads for certain catagories of retired workers, though. For example, there is the Railroad Employees National Early Retirement Major Medical Benefit Plan, which provides health insurance coverage to those who are age 60 with 30 years of service if the individual applies for a railroad retirement annuity while covered under the National Plan for active employees. It is administered by United HealthCare.

To find out what's available to you, check with your brotherhood or ask the human resources department of the railroad.


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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