Skip to content

Retirement Health Insurance Benefits (EUTF)

Employees retiring from the State may be eligible for health insurance benefits. The employer contributes to the health insurance premiums based on the hire date and the number of years of ERS credited service at the time of retirement.

Employees are eligible to enroll in any available plan at the time of your retirement regardless of health plans in/not enrolled in prior to retirement.

Retiree Eligibility

  • A retired employee.
  • The surviving spouse, Domestic Partner or Civil Union Partner (DP/CUP) of a deceased retired employee.
  • The unmarried child of a deceased retired employee, provided the child is under age 19 with no surviving parent.

Dependent Eligibility

  • The Retiree’s legal Spouse, Domestic Partner or Civil Union Partner(DP/CUP).
  • You or your spouse’s or DP’s/CUP’s unmarried children under age 19.
  • You or your spouse’s or DP/CUP’s unmarried children under the age of 24 provided they are full-time students attending an accredited college, university or technical school.
  • Coverage can be continued for an unmarried child incapable of self-support due to mental/physical incapacity that existed prior to age 19.
  • Child covered by terms of a qualified medical child support order (QMCSO) provided they meet EUTF’s other qualifications.

For more information on retiree eligibility, please visit the EUTF website.

After filing your retirement application with the Employees Retirement System (ERS), please submit the following to the EUTF:

  • ERS Retirement Estimate Letter  (provided by ERS at the time of retirement)
  • EUTF EC-2 Enrollment Form (due within 60 days of retirement date)

Dual family enrollment is not allowed

If both you and your spouse or DP/CUP are eligible to enroll in either EUTF retiree or EUTF active employee plans, only one of you may enroll in an EUTF 2-Party or Family plan. If no other dependents are involved, both may enroll in EUTF Self plans. Dual enrollment in EUTF 2-party or family plans is not allowed under EUTF Administrative Rule 4.03.

Medicare and enrollment in EUTF plans

Medicare eligible retirees must enroll in Medicare Part B to be covered or continue to be covered under an EUTF retiree medical and/or prescription drug plan. A spouse / domestic partner/ civil union partner who is enrolled as a dependent under an EUTF retiree medical and/or prescription drug plan must also enroll in Medicare Part B when they become eligible for Medicare.

Medical & Prescription Drug

Plan options for retirees eligible for Medicare:

Plan options for retirees not eligible for Medicare:

Dental & Vision

Dental and vision plans are the same for Medicare or non-Medicare retirees.

The amount of the employer premium contribution is based on three factors:

  • Your ERS Membership date
  • Length of service, taking into account breaks in service and excluding sick leave
  • The Base Monthly Contribution (BMC) amount, which determines the maximum amount the employer will contribute towards your retiree coverage.

Future Retirees – Premium & Contributions

EUTF Premium Calculators for Retirees Employer Contribution Table

 

 

For Employees

FAQs