Important changes have been made to the state and local Income Continuation Insurance Programs that will expand coverage and benefits to employees age 70 and older, effective May 1. These changes are as follows:

  • Current enrollees will no longer have their coverage terminated when they turn age 70. Coverage will continue as long as the enrollee is employed with a participating employer and continues to pay required premiums. 
  • The maximum duration of benefits for employees disabled after their 60th birthday will be extended. The new maximum duration of benefits schedule is as follows:
Age at Disablement Maximum Duration of Benefits from Date of Disablement
On or before 60th birthday Benefits payable to age 65
After 60th birthday 5 years

Employees age 70 and older and currently not in enrolled in ICI: If you are eligible for this coverage, watch for a notice of eligibility for ICI from your employer.

Who is eligible to enroll?

  • Employees who previously had ICI coverage but had their coverage terminated when they turned age 70.
  • Employees who were not offered coverage at the time they were hired because they were age 70 or older, or who would have been age 70+ on their ICI coverage effective date. 
  • Employees who would have been eligible to enroll during the 2023 deferred coverage enrollment period (January 1 – March 1, 2023) but were not given the opportunity because they exceeded the age limit.
  • New coverage will not be retroactive to the last coverage or previous eligibility date.

Note:  Employees who were previously offered ICI coverage but elected not to enroll, will not have a new opportunity to enroll at this time, even if they are now over age 70. However -- if eligible -- they may enroll for coverage during the next annual deferred enrollment period (state employees only), or they may apply for coverage at any time by filing evidence of insurability.

ETF has advised employers to contact their eligible employees to advise them of this coverage expansion and offer coverage. If you believe you are eligible, please contact your employer if you wish to take advantage of this program update.

For More Information

ICI Program brochure for state employees (ET-2106)

ICI Program brochure for local government employees (ET-2129)