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Supplemental Sickness Insurance Payments and Personal Injury Settlements
(Posted September 7, 2005)
Question 557: While totally disabled for work, I won an appeal on a previous claim with private health insurance paid for by the railroad. The insurance company had denied the original claim. Would this award be deducted from my disability checks from Railroad Retirement? How about the proceeds from a personal injury lawsuit settlement?
Answer: Supplemental sickness insurance benefits provided by a private insurance company and paid for by a railroad employer normally do not affect Railroad Retirement benefits.
Likewise for personal injury suit settlements, unless they specifically include "pay for time lost." In that event, "pay for time lost" is considered to be creditible railroad service, and Railroad Retirement benefits are not payable until the "pay for time lost" period ends.
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