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Site Map Glossary Employee Book of Benefits OneCall: 1-877-861-2255 |
Home > About Your Benefits > Enrollment
When you retire, you may elect to continue medical coverage (including prescription drugs and vision care) and dental coverage for your eligible dependents under age 65 and for yourself if you are under age 65. You may also choose coverage for your spouse who is over age 65 as long as you are under age 65. In addition, if you are under age 65, you may continue your basic life insurance coverage, provided you had this coverage immediately prior to retirement. However, if you choose not to continue this coverage when you retire, or drop the coverage for any period of time, you cannot reenroll for life insurance at a later date during retirement. If you are age 65 or over, you may elect coverage under the Major Medical Medicare Supplement Plan. To enroll, you must complete an enrollment form on which you:
If you choose to defer your benefit under the savings program when you retire, you will continue to participate in this program until you have received your entire account balance. You may not continue to make contributions on or after your retirement date. No enrollment is required to continue your participation. In addition, your participation in the pension plan will automatically continue until you die (or until your survivor dies if you have elected a form of payment that provides a survivor benefit). When You May Elect CoverageIf you are enrolled in the benefits available to retirees at the time you retire, you may elect your retirement benefits coverage when you first become eligible. In addition, if you are under age 65 and not currently enrolled for medical coverage, you may enroll for medical coverage for yourself and/or your dependents (including prescription drugs and vision care) during the open enrollment period each October or November. Your coverage will be effective on the following January 1.There is no open enrollment period for the Major Medical Medicare Supplement Plan. You must enroll within 30 days of the date you are first eligible. This is the initial eligibility period. If you or your eligible dependent do not enroll within 30 days of the date you are first eligible or during a special enrollment period, you are considered a late enrollee. Late enrollees may enroll at any time. A late enrollee is subject to the pre-existing condition exclusion. A late enrollee's coverage becomes effective the first of the month after 30 days from the date of enrollment. No proof of insurability is required. When the first claim is filed, there will be a review of the pre-existing condition exclusion and continuous creditable coverage. Pre-existing condition exclusion may apply if continuous credible coverage rules are not met. If you are under age 65, had dental coverage immediately prior to retirement and did not elect to continue dental coverage at retirement for yourself and your eligible dependents, you will not have another chance to enroll unless you lose your dental coverage under another employer’s plan. In this case, you must request dental coverage and provide proof of your prior coverage within 30 days of the coverage loss. When You May Change Your ElectionsThere are limited circumstances under which you may change your benefit elections. You may change most Savings Program elections at any time by calling the Information Line. In addition, you can drop your medical or dental coverage at any time by signing a cancellation form. Cancellation forms are available from the Benefit Plans Office.Changes During Open Enrollment Periods (for Retirees and Dependents under Age 65) If you are not currently enrolled for medical coverage, you may elect medical coverage once a year during the open enrollment period in October or November. Coverage will be effective January 1. Last updated: Thursday April 21 2005 | ||
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