This Life Events Guide page has two sections - active employees and retirees. Please refer to the appropriate page section for information based on your employment status.

For Active Employees

  Health Insurance & Uniform Dental Supplemental Benefits
Enrollment opportunity?

You can enroll in the Access Plan 30 days prior to retirement if:

  • you are a state employee who can use sick leave credits upon retirement, or
  • you are a local employee whose employer provides post-retirement premium contributions such as sick leave credits to pay for insurance.
No, a retiring employee must submit a retiree health application or continuation application directly to the supplemental plans to maintain the supplemental benefits they had as an active employee. Retiree and continuation applications must be provided by the employer upon retirement
Change coverage from single (individual) to family? No, unless you are involuntarily losing other medical coverage as a dependent  No
Change coverage from family to single (individual)?  Yes, when you become a retiree, or if you are a state employee who has opted out of premium conversion under Section 125, or are a local employee who does not have their health insurance premium contribution deducted pre-tax under a federal Section 125 plan. If so, you may change coverage at any time No
Change health plan? No, unless you are involuntarily losing eligibility for coverage n/a
Drop a dependent and keep family coverage? No No
Cancel coverage? Yes No
Deadline to submit application  Coverage automatically continues unless an application is filed within 30 days of the event Coverage terminates unless a retiree or continuation application is filed with the supplemental plans within 30 days of event
Effective date Coverage begins the first of the month following receipt of the application. Coverage must be in effect 30 days prior to retirement. Coverage ends the month in which employment terminates Coverage begins the first of the month following receipt of the application. Coverage must be in effect 30 days prior to retirement. Coverage ends the month in which employment terminates

 

For Retirees

  Health Insurance & Uniform Dental Supplemental Benefits
Enrollment opportunity?

As an employee, you can enroll in the Access Plan 30 days prior to retirement if:

  • you are a state employee who can use sick leave credits upon retirement, or
  • you are a local employee whose employer provides post-retirement premium contributions such as sick leave credits to pay for insurance.
No, a retiring employee must submit a retiree health application or continuation application directly to the supplemental plans to maintain the supplemental benefits they had as an active employee. Retiree and continuation applications must be provided by the employer upon retirement
Change coverage from single (individual) to family? No, unless you are involuntarily losing other medical coverage as a dependent  No
Change coverage from family to single (individual)?  Yes No
Change health plan? No n/a
Drop a dependent and keep family coverage? No No
Cancel coverage? Yes No
Deadline to submit application  Coverage automatically continues unless an application is filed within 30 days of the event Coverage terminates unless a retiree or continuation application is filed with the supplemental plans within 30 days of event
Effective date Coverage begins the first of the month following receipt of the application. Coverage must be in effect 30 days prior to retirement. Coverage ends the month in which employment terminates Coverage begins the first of the month following receipt of the application. Coverage must be in effect 30 days prior to retirement. Coverage ends the month in which employment terminates

You may not be eligible for all benefits discussed on this page. Speak with your employer to see what benefits are available to you. 

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