Q: What are the circumstances where the railroad can terminate employee and dependent coverage without notification?
A: There are several that come to mind. First of course is failure to submit the P.O.D. Form; off suspended/dismissed or furloughed four months; failed to work seven days in current month the coverage will not be in effect the next month, sometimes a Claims Agent is notified you have hired a lawyer he can stop handling your eligibility; death of an active employee, dependent coverage ends in for months but death of a 60/30 retired employee, dependent coverage continues until the employee would have reached age 65.
Q: I have been off sick for two months and today discovered at the drug store that my insurance is not in effect, Why is this?
A: The number one reason for this problem is failure to submit the required Proof of disability Form to keep insurance in effect for the remainder of the qualifying year plus two more, one year less for dependents and one year after the qualifying year for dental and vision benefits. Vacation pay received in the year after the qualifying year will add one more year of coverage but not for dental and vision.
Q: I received vacation pay in the year after the qualifying year but extension was not applied, why?
A: Probably because you failed to submit the earnings report as proof of being paid vacation your provider on railroad enrollment services.
Q: Do I have to pay the monthly contributory on insurance provided after I am unable to work and insurance continues?
Q: I am off with injury and Corvelle Company will not pay my medical bills timely or grant approval for MRI, what should I do?
A: Write your insurance provider and authorize all bills associated with your injury to be paid from your labor contract insurance.
Q: How long can I draw RRB Sick Benefits?
A: Normal benefits for up to 130 days in a benefit year, for extended benefits you need 10 or more years of service. Each July starts a new benefit. Call 772-5772 or on line RRB.GOV to renew benefits.
Q: What exactly is a Disability Freeze?
A: It is a provision from Congress that will provide benefits and Medicare insurance to a person on occupational disability additional benefits of early Medicare just like a social security disabled person if you can meet the disability criteria of social security. It can also provide dependent children benefits but is is a long process waiting on social security to coordinate benefits.
Q: are there any survivor benefits for a widow with no dependent children and not old enough for a regular widow annuity?
A: If you are between ages 50-59 and can be rated as disabled then you are eligible for a Disabled Widow’s Annuity with an age reduction penalty.
Q: If I am age 60 and have 30 years service and just dismissed for a rule violation can I possibly lose my GA-46000 retiree insurance if I want to wait for the P.L. Board decision and my appeal is not successful?
A: You will be taking a huge chance by not just retiring and transfer your GA-23000 insurance to GA-46000 that will carry you and your spouse all the to age 65 and Medicare insurance because your GA-23000 in suspended/dismissed status will terminate in four months from the date of your last compensation. However, if you went under a doctor’s care and had a signed P.O.D. Form that would change your status to disabled and GA-23000 would continue. Then if the P.L.Board decision was unfavorable you could transfer over to GA-46000 the 60/30 retiree insurance plan.