Seeing another question on here made me wonder about my mom's VA benefits as a widow. My stepfather died 15 years ago, but he was a WWII veteran and had been married to my mother for 30 years. My mother receives his railroad pension Medicare benefits, but no veteran benefits. Would she qualify?
If I were facing this dilemma, I would engage an eldercare attorney knowledgeable about RRR benefits and RRRB procedures. One may have to search for an attorney with this specific knowledge. A Certified Elder Law attorney or CELA would be a good option. A list of CELAs exists on NELF.org.
Good luck and keep us posted
I will say that based on my experience RRR pays really REALLY well and provides for a significantly higher amount of retirement income than SS (as a lot of folks on SS get under 1K a month). It often seems to be that RRR Tier 1 can often almost pay for the monthly room & board at a NH or AL so the facility will waive the extra cost as RRR pays a high amount & on time with no questions each month.
But that being said, it can be a problem for getting VA benefits as VA might view that if your getting a good amount from RRRB that your income is too high to also warrant VA paying A&A. VA will require all the $ info from RRRB to make the determination.
In the past retirees could double or triple dip on retirements like get SS, civil service annuity, RRRB, VA, union pensions. Not so anymore as they all seem to require reprting on all other sources of income, or have caps in place or make 1 the priority payee.
Also I'd ask if RRR is still using a Medicare coding unique for RRRB with all bills going to Palmetto in GA. Btw my experience with RRRb was several years ago. This was an item that I was unaware of (it causes issues with bills being paid as they will get kicked back from CMS as ineligible or nonexistent individual like 3-6 months later so the providers are not happy...) & if RRRB is still doing this it is something to be aware of & clearly tell your moms providers it must go to Palmetto with the RRRB coding.
Good luck & let us know what happens.
Getting survivor benefits is one thing, but getting his benefits is questionable if those benefits were uniquely for him while he was living. This may need to be adjusted since he's gone and she might have to repay the money if she didn't report his death to them. I also question whether or not she's entitled to his Medicare, also check this out for sure to make sure proper adjustments are made accordingly
If not, she has committed fraud and then we'll go after her for all the money she wasn't entitled to because she wrongfully took the money, and she can get in very serious trouble if she's in the wrong.
If she is entitled, they might have a survivors benefit but you'll definitely want to check into this and find out either way.