QUESTION: I'm an early retiree and on disability from General Motors Corp., and my whole health package is free. How will President Clinton's plan benefit me? -- R.L., Baltimore.

ANSWER: If you are disabled because of an injury at work, you will not be required to pay any more than you are currently paying.

Because you are a retired union member, your employer has signed a contract to pay for all of your medical costs. So even if you are disabled because of some other problem, your costs should not increase. But your employer may move early retirees like you into one of the proposed health alliances, so that the costs will be picked up by taxpayers. And if GM negotiates a new contract in which it stops picking up your 20 percent share of the health premium, then you would have to pay more for your medical care.

If you have questions about health care reform, we'd like to hear them. Call Sundial, the Baltimore Sun's telephone information service at (410) 783-1800 (268-7736 in Anne Arundel County). After you hear the greeting, punch in the four-digit code 4425 on your touch-tone phone.

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