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I read the SPD about two months back and followed the flow chart diagram they had in there, to see if an employee qualifies for the subsidies for retiree healthcare.  She met the criteria.   I don't recall seeing any criteria of turning 50 by EOY 2012.  I'll dig the SPD out of my files to re-read it, but are you saying she gets no subsidy, or that she gets a diminished subsidy?