United Healthcare update: Early retirement plan increases lifetime maximum

(United Healthcare issued the following news release on November 17.)

The lifetime maximum benefit for each individual covered under The Railroad Employees National Early Retirement Major Medical Benefit Plan (UnitedHealthcare's Policy GA-46000) is adjusted each year based on the medical cost component of the Consumer Price Index. As of January 1, 2006, this maximum will increase from $92,400 to $96,400. The $4000 in additional benefits payable applies to expenses incurred on or after January 1, 2006.

An important consideration for individuals thinking about retirement is health coverage after retirement. The information below summarizes the eligibility requirements under the National Early Retirement Major Medical Benefit Plan.

Eligibility Rules

For Age Annuitants:

National Health and Welfare Plan.

For Disability Annuitants:

If you retire and are eligible for GA-46000, you can also purchase supplemental coverage under GA-23111, Plan E. Generally, Plan E pays 70% of the expenses not paid under GA-46000 and has a lifetime maximum of $500,000

Enrollment Is Necessary

When you retire, your railroad will not report you to UnitedHealthcare as a retiree eligible for GA-46000. You must enroll yourself and your family with UnitedHealthcare. You can do this in two ways:

If you have any questions about your eligibility for GA-46000 or the benefits provided under the Plan, call UnitedHealthcare at 1-800-842-9905.


© 2005 Brotherhood of Locomotive Engineers and Trainmen