I agree with shiftless.Thanks for the info.
Like Shiftless says, check into it for your specific area. His example is me...started at 18, PEER 80. Retired at 49. Difference is, I'm in NorCal, and have zero cost healthcare for me and spouse. So everywhere you go, it's completely different.Altho I was So-Cal, I was told on the day you retire if you are not of contractual age you "DO NOT" get coverage even when you turn the contractual agreed upon number of age after the fact. Years of service and age for insurance purposes meant they had to coincide for the peer 80. Guys who started at 18, still had to wait till 50 to receive health benefits. AGAIN different Teamster region then others, so yours may vary! My Health Care comes from UPS not Teamcare.
Hope you get it figured out! DONT retire till you have it in writing!