Thinking of Retiring?

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    Classified Early Retirees:

    Classified retirees are eligible to participate in the District's Early Retiree Benefits Program if they meet the following criteria:

    • Employees with ten (10) complete and continuous years of service to the District, and have reached the age of fifty-five (55)

     

    When these criteria are met, the Classified retiree is eligible to receive a District contribution, fixed at the rate of the highest cost HMO plan and the current dental plan, for either single or 2-party tier (which ever the retiree is enrolled in) in effect at the time of retirement. This District contribution may be used towards medical and dental coverage for themselves and a spouse. Any enrollment costs in excess of this amount will be the retiree's responsibility to pay. Retirees may purchase vision coverage directly from SISC at their own expense. Retirees will be required to formally elect participation in the Early Retiree benefits Program at the time of their retirement in order to receive benefits. Retirees who decline enrollment may not rejoin the plan at a later date. Retirees who enroll in the plan are eligible to participate until the 1st day of the month in which they turn 65. 

     

    Currently, the District offers Classified retirees the below medical plan(s) as part of the Early Retiree Benefits Program:

    • Kaiser HMO
    • Kaiser DHMO
    • Blue Shield HMO
    • Blue Shield Save Net HMO
    • Blue Shield G20 PPO
    • Blue Shield G30 PPO

     

    As well as the below dental plan(s)

    • Delta Dental PPO
    • Delta Care HMO

     

    Certificated Early Retirees:

    Certificated retirees are eligible to participate in the District's Early Retiree Benefits Program if they meet the following criteria:

    • Employees hired before January 1, 2009 must reach the age of fifty-five (55) and have ten (10) continuous years of service to the District immediately preceding the date of retirement.
    • Employees hired on or after January 1, 2009 must reach the age of fifty eight (58) who retire with ten (10) continuous years of service to the District immediately preceding the date of retirement.

     

    When these criteria are met, the Certificated retiree is eligible to receive a District contribution, fixed at the active contribution rate at the time of retirement, towards the cost of their own medical coverage. Any enrollment costs in excess of this amount will be the retiree's responsibility to pay. Additionally, the Certificated retiree may elect to purchase medical coverage for their spouse as well as dental and vision coverage at their own expense. Retirees will be required to formally elect particiaption in the Early Retiree Benefits Program at the time of their retirement in order to receive benefits. Retirees who decline enrollment may not rejoin the plan at a later date. Retirees who enroll in the plan are eligible to participate until the 1st day of the month in which they turn 65. 

     

    Currently, the District offers Certificated retirees the below medical plan(s) as part of the Early Retiree Benefits Program:

    • Kaiser DHMO

     

    Additionally, Certificated retirees may elect to participate in the Health Reimbursement Account (HRA) in lieu of the medical plan listed above. Enrollees in the HRA will have their monthly District contribution deposited into a HRA account. These funds can then be used to reimburse the retiree for insurance premiums and other eligible expenses. Enrollees in the HRA will not be permitted to return to a Medical Plan offered by the District in the future. 

     HRA FAQs

    Understanding your HRA

     

    Management Early Retirees:

    Management retirees are eligible to participate in the District's Early Retiree Benefits Program if they meet the following criteria:

    • Employees with ten (10) complete and continuous years of service to the District, and have reached the age of fifty-five (55)

     

    When these criteria are met, the Management retiree is eligible to receive a District contribution towards the full cost of medical, dental, vision, and life coverage for the retiree as well as their spouse and children. Retirees will be required to formally elect participation in the Early Retiree Benefits Program at the time of their retirement in order to receive benefits. Retirees who decline enrollment may not rejoin the plan at a later date. Retirees who enroll in the plan are eligible to participate until the 1st day of the month in which they turn 65. 

     Currently, the District offers Management retirees the below medical plan(s) as part of the Early Retiree Benefits Program:

    • Kaiser HMO
    • Anthem HMO
    • Anthem PPO (hired before 7/1/20 only)
    • Anthem HSA 

     

    As well as the below dental plan(s)

    • Delta Dental PPO
    • Anthem Dental PPO

     

    And the below vision plan(s)

    • MES Vision
    • VSP Vision

     

    65+ Retirees (All Groups):

    Employees retiring at age 65 or older should plan to enroll in Medicare parts A and B effective the first of the month following their retirement. The District has limited Senior Advantage plans available for 65+ retirees to enroll in, should they so chose. The District does not contribute to the cost of these plans, and the retiree is 100% responsible for the cost of enrollment. Therefore, the District strongly encourages all retirees to review their medical and financial needs, as many insurance carriers offer low or no-cost Senior Advantage plans directly for purchase. Don't know where to start? An insurance broker is a good option - they are typically paid by the insurance companies themselves, which means they can offer no-cost advise and counseling. 65+ retirees are also eligible to enroll in dental and vision coverage, at their own cost, throught COBRA. 

    Keenan Direct Broker Services 

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