Capistrano Unified School District Retirement Benefits Guide
Qualifying for retiree health benefits, coverage details, enrollment process, and key eligibility criteria for certificated and classified employees of Capistrano Unified School District. Learn about the one-time offer for medical and dental plans, end-of-contracted-year retirement transitions, and steps involved in submitting a retirement request through HR.
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Qualifying for Retiree Health Benefits What is covered under Retiree Health Benefits The process for retirement & enrolling in Retiree Health Benefits Open Enrollment Ongoing Retiree Enrollment & End of Retiree Benefits
Certificated: Certificated: Age 55, 10 years consecutive service with CUSD, enrolled in benefits at time of retirement District contribution to medical benefits ends at age 65 Classified: Classified: Age 53, 10 years consecutive service with CUSD, enrolled in benefits at time of retirement (may retire at age 50 and pay full premium until age 53) Medical and dental benefits end at age 65
One One- -time offer for Medical/Dental for existing plans and dependents only Plan coverage or dependents cannot be added after initial enrollment time offer for Medical/Dental for existing plans and dependents only Plan coverage or dependents cannot be added after initial enrollment Medical: District pays pro-rated contribution for the employee based on employee years of service (20+ years of service = zero cost for employee only) (20+ years of service = zero cost for employee only) Employee pays full premium for any dependents Can cover any dependents enrolled at time of retirement Dental: Employee pays full premiums Can cover spouse, but no other dependents Vision is not a part of the retirement offering , but can be temporarily continued through COBRA Vision is not a part of the retirement offering , but can be temporarily continued through COBRA
End of Contracted Year Retirement: End of Contracted Year Retirement: Active employee benefits go through September 30th Retiree benefits begin October 1st Mid Mid- -Year Retirement: Year Retirement: Active employee benefits go through the end of the retirement month Retiree benefits begin the 1stof the month following retirement (i.e. retire in March, Retiree Benefits begin April 1st)
Submit retirement request to Human Resources (HR) HR notifies Insurance Department Insurance Department sends out three separate mailings with Retiree Health Insurance information
1. Congratulations Letter & Options Form 2. UNUM Life Conversion Information 3. COBRA Packet Read everything very carefully this information is important!!
Congratulations Letter & Options Form Congratulations Letter & Options Form Letter contains information on Retirement Health Benefits & costs Letter contains information on Retirement Health Benefits & costs Options Form Department to enroll in Retiree Health Benefits Options Form Must be completed and returned to Insurance Department to enroll in Retiree Health Benefits Must be completed and returned to Insurance If we do not receive your Options Form, benefits will terminate September 30 If we do not receive your Options Form, benefits will terminate September 30th thor the end of the month that you retire or the end of the month that you retire Once enrolled you will receive a confirmation letter & payment coupons to Insurance Department Once enrolled you will receive a confirmation letter & payment coupons to submit your monthly payment by check or money order to the Insurance Department submit your monthly payment by check or money order to the It is recommended that you keep a copy of your letter & Options Form for your records It is recommended that you keep a copy of your letter & Options Form for your records
Capistrano Unified School District 33122 Valle Road San Juan Capistrano, California 92675 RETIREE INSURANCE OPTIONS Rates Effective January 1, 2020 December 31, 2020 I choose to enroll the District Sponsored Retiree coverage. I understand that in order to continue coverage I will have to pay the appropriate (if any) monthly premium as indicated below. Please check the boxes of the coverage you wish to continue: Medical Options I will continue coverage for myself under the UHC Select Plus PPO medical plan at a monthly costof $0.00 (no cost). I will continue coverage for myself and my spouse under the UHC Select Plus PPO medical plan at a monthly cost of $1,373.00. I choose to decline the District Sponsored Medical Retiree coverage. I understand that this is a one-time offer and will not be able to enroll at a later date. Dental Options Adding dental coverage is a one-time offer. Dependent children are not eligible. I will continue coverage for myself under the Delta Dental PPO plan at the monthly cost of $49.82. I will continue coverage for myself and my spouse under the Delta Dental PPO plan at the monthly cost of $108.11. I choose to decline the District Sponsored Dental Retiree coverage. I understand that this is a one-time offer and will not be able to enroll at a later date. Return this form to the Capistrano Unified School District Insurance office no later than May 31, 2020. If we do not hear back from you, your benefits will terminate effective October 1, 2020. Print Name Signature Date Check desired option for dental & medical Complete bottom portion & return to Insurance Department by deadline Address City, State, Zip Code Phone Number Home Email
UNUM Conversion Information UNUM Conversion Information E-mail and flyer contains information on converting Group Life Insurance policy to an individual policy To convert policy contact UNUM at the phone number listed If you take no action, the policy will terminate automatically on the date listed in letter
COBRA Packet COBRA Packet Contains information on temporarily continuing any benefit(s) not being continued in Retiree Benefits Only way to continue vision benefits Allows you to continue benefits for dependents that are not being covered under Retiree Benefits If you take no action, COBRA will expire on date listed in the letter
State/Federal law requires the COBRA offering be for all benefits and all people covered even though you have another option through Retiree Health Benefits Use COBRA for benefits not being continued otherwise, such as vision coverage COBRA coverage is the same plan coverage as existing coverage, but employee pays full premium
COBRA begins when Active employee coverage ends You have 60 days from end of coverage to enroll Enrollment is continuous from end of coverage (even if you wait the 60 days to enroll, you will have to pay for the prior months) COBRA ends the earliest of the following: Participant turns age 65 or when COBRA period ends at 18/36 months (based on COBRA event reason)
Submit the following to enroll: 1. Health Benefits Continuation Form 2. Medical/Vision/Dental Enrollment Form 3. First month s payment Once enrolled, you will receive payment coupons for submitting your monthly premiums via check to the Insurance Department
Health Benefits Continuation Form Complete these sections & sign
Open Enrollment October/November of each year for Retiree and COBRA benefits Materials mailed out in September with plan info & new rates Can make plan changes & remove dependents; cannot add dependents Benefits will remain the same unless you mail in changes Changes are effective January 1stof the new year
Ongoing Enrollment: Ongoing Enrollment: Continue paying Retiree/COBRA premiums Coupons for new year sent out in December Rates are subject to change annually (if on auto- pay, verify the amount is correct for new year!) Can drop coverage through written request/cancellation form at any time, but cannot reinstate coverage later
Out of Area Moves: Based on address, Retiree placed on plan that is closest to existing plan & within service area of carrier Out of Area Moves: Out of State Moves: Based on address, usually changed to UHC Choice Plus PPO Out of State Moves: Kaiser members also change to UHC Choice Plus PPO, except for moves to Hawaii & Colorado (these switch to Kaiser-Hawaii or Kaiser-Colorado) Cigna Select members see Insurance for details
Retiree submits enrollment/change form to Insurance Plan is switched based on address If applicable, new coupons will be sent out For end-of-year retirements, if plan change takes place prior to September 30thwhen employee is still on Active benefits, a one-time adjustment payment is needed for switching to the new plan (go to Insurance Department for details)
Retiree will receive a notification letter in the mail about a month prior to the 1 spouse turns 65 Retiree will receive a notification letter in the mail about a month prior to the 1st stof month that Retiree or spouse turns 65 of month that Retiree or Certificated: 1stof month Retiree or spouse turns 65, given option to continue medical & dental indefinitely For Medical: District no longer pays premium (if employee is turning 65), employee pays full premium & rate increases to Post 65 rates; if spouse turns 65 first, rate changes to Post 65 rate for spouse For Dental: No significant change, can continue dental only Classified: All benefits end 1stof month that Retiree turns 65; if spouse turns 65 first, spouse s benefits only end 1stof month that he/she turns 65
