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Frequently Asked Questions
Retiree Health Benefits


General Information

Who is eligible to retire?
Employees with five years of CalPERS service at age 50 years or later.

Are all CSU retirees eligible for retirement health benefits?
No. You must retire within 120 days of your separation from employment; have been eligible for enrollment in a CalPERS medical plan on your date of separation; and receive a retirement allowance from CalPERS.

Some CalPERS plans have retiree health benefit vesting requirements. Are there any health benefit vesting requirements for CSU retirees who meet all the above eligibility rules?
No.

What benefits can continue into retirement for retirees?
Medical, dental and vision coverage can continue into retirement for eligible employees and their eligible dependents. CSU-paid life insurance (if applicable) does not continue into retirement. Retirees are provided the option to convert the life insurance to an individual policy. CSU-paid LTD insurance (if applicable) ends upon separation from employment.


Medical Coverage

What will be the monthly out-of-pocket enrollment cost?
The cost to the retiree for medical coverage will depend on which plan and the level of coverage the retiree chooses.

Eligible dependents include spouse, domestic partner, children up to age 26, and disabled children over age 26. Certain restrictions apply. Contact Nikco Moore at (562) 985-4412 for specific requirements.

I'm currently enrolled as an active employee in a CalPERS medical plan. What do I do to obtain retiree medical coverage?
If you retire less than 30 days after your separation date from employment, your medical coverage will continue automatically. If you retire between 30 and 120 days after your separation date from employment, contact HR Services for more information.

I'm currently enrolled in FlexCash. How do I enroll in a CalPERS retiree medical plan?
You may request coverage within 30 days before or after your retirement date. To enroll before your retirement date, contact Nikco Moore at (562) 985-4412. To enroll after your retirement date, contact CalPERS at (888) 225-7377. If you do not enroll within 30 days before or after your retirement date, you must wait until the next annual CalPERS Open Enrollment period to enroll.

As a retiree can I change medical plans and add/delete dependents? How? When?
Yes. You may change your medical plan and add/delete dependents by contacting CalPERS at (888) 225-7377 during the annual CalPERS Open Enrollment period or within 60 days of a qualifying status change.

Will I have the same level of medical coverage as a retiree that I had as an active employee?
You and your dependents remain in the Basic medical plan until you and/or your dependents become eligible for Medicare.

What do I do when my dependents or I become eligible for Medicare?
As a CalPERS retiree, when you qualify for Medicare Part A, you must sign up for Medicare Part B. Do not enroll in Medicare Part D because the CalPERS prescription drug plan is as good or better than what is available under Medicare Part D. If you enroll in Medicare Part D, your CalPERS health plan will be canceled until you are dis-enrolled.

You and your dependents must certify your Medicare status with CalPERS when you each become eligible for Medicare and change from the Basic medical plan to a supplemental to Medicare or Managed Medicare plan at that time. Contact CalPERS at (888) 225-7377 to change your plan.


Dental Coverage

I'm currently enrolled in a dental plan? What do I do to obtain retiree dental coverage?
If your retirement date is within one pay period of your separation date from employment, coverage will be continuous. If your retirement date is more than one pay period and less than 120 days from your separation date from employment, contact HR Services for more information.

What happens with my dental coverage?
If you are currently enrolled in the DeltaCare USA Enhanced (HMO) plan your dental coverage as a retiree will be reduced to the DeltaCare USA Basic plan. If you are enrolled in the Delta Dental Enhanced Level II (PPO) plan your dental coverage as a retiree will be reduced to the Delta Dental Basic plan.

You can refuse enrollment in the basic dental coverage upon retirement and instead opt to continue your enhanced coverage under COBRA for up to eighteen (18) months. You pay the full cost for coverage under COBRA. Once COBRA ends, you can immediately enroll in a basic dental plan to avoid a lapse in coverage, or during any subsequent open enrollment period that follows the expiration date of COBRA coverage by contacting HR Administration at (562) 951-4411.

I'm currently enrolled in FlexCash? How do I enroll in a retiree dental plan?
FlexCash participants may request dental coverage within 30 days before, or 60 days after the retirement date by contacting Nikco Moore at (562) 985-4412. You also may enroll during the annual open enrollment period.

What will be the monthly out-of-pocket enrollment cost for retiree dental coverage?
Currently, CSU pays the full cost of the Basic level dental coverage for eligible retirees and their eligible dependents.

Can I change my dental plan and add/delete dependents? How? When?
You can change your dental plan and add/delete dependents during the annual open enrollment period or within 60 days of a qualifying status change.


Vision Coverage

May I continue my vision coverage?
Yes, benefits eligible retirees may continue coverage by enrolling in the CSU Retiree Voluntary Vision Plan or COBRA. Enrollment information is mailed to the retirees home address.

What is the difference between the CSU Retiree Voluntary Vision Plan and COBRA?
The retiree plan has a three-tier monthly rate whereas COBRA has one composite premium rate for all enrollments.

The retiree plan does not include the Vision Display Terminal (VDT) benefit. Otherwise the retiree plan benefits are comparable to the COBRA benefits.

Who pays the monthly premium for the CSU Retiree Voluntary Vision Plan or COBRA?
The monthly premium will be fully paid by the enrolled retiree and deducted from their warrant issued by CalPERS.

When may I enroll?
Retirees may enroll in the CSU Retiree Voluntary Vision Plan at the time of retirement, within 60 days of their retirement, within 60 days of loss of coverage on another vision plan, or during any subsequent open enrollment period.

Retirees may enroll in COBRA within 60 days of their separation date from employment.

How long may I continue coverage?
If you enroll in the CSU Retiree Voluntary Vision Plan, you are required to maintain enrollment for a minimum period of 12 months. You will be required to maintain enrollment for the balance of the plan year in which you enroll and for 12 months in the following plan year, unless a permitting event occurs to change your enrollment.

If you enroll in COBRA, you may continue coverage for up to 18 months.

What happens if I elect COBRA and my coverage ends after 18 months?
You may enroll in the CSU Retiree Voluntary Vision Plan during any subsequent open enrollment period following your COBRA eligibility end date or COBRA cancellation due to non-payment.

Disclaimer: This is a general description of post-retirement health benefits. Refer to plan documents for limitations and exclusions.


Content Contact:
Human Resource Services
(562) 951-4070
Technical Contact:
webmaster@calstate.edu

Last Updated: September 30, 2011