Retiree Benefits in Bergen County
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CONTRACTUAL RIGHTS WHEN
RETIRING FROM
BERGEN COUNTY
RETIREE MEDICAL
If you were hired
on or before June 27,
1991,
you will not pay anything
towards your Major Medical/RX if you
reach 25 years of service in the PERS
system
If you were hired on or after, June 28th,
1991, you will pay a percentage of
medical BASED ON YOUR
PENSIONABLE SALARY.
WHO IS ELIGIBLE?
If Hired before JANUARY 1, 2013
MUST HAVE 25 Years in the PERS
If Hired After January 1, 2013
Must HAVE 25 years in PERS and
Earned those years working as a Bergen County Employee
If you are Medicare eligible (Age 65), Medicare becomes your primary insurance covering
approximately 80% of your medical costs. The County will become your secondary.
Primary Premium Rate (based on Choice of Plan) MULTIPLIED by
Percentage (as Calculated by your Pensionable Salary) plus any additional
costs (Optional Dental)(Medicare Part B)
Or
Secondary Premium Rate MULTIPLIED by Percentage (as Calculated by
your Pensionable Salary) plus any additional costs (Optional
Dental)(Medicare Part B)
RETIREE MEDICAL (CONTINUED)
Medical after retirement does not cover
Dental or Glasses
Eye Glasses are
contractual and no
longer covered.
USWU Retiree Chapter
The valued relationship we have built with you over the years shouldn’t end
here! The United Service Workers Union can continue to help you improve
your life by offering you benefits and services that are FREE with your
membership.
USWU is offering a special Retiree Chapter membership for the low price of
$30 per month.
Spouses of active retiree members are welcome to join as well and receive
their own membership.
Benefits that come with RETIREE CHAPTER dues include:
FREE Medicare Advantage Program
FREE Hearing Care Program*
FREE Dental Plan
FREE Vision Coverage
FREE Rx Discount Card
FREE
access to the
UBenefit Program
- which includes discounts on auto and
homeowners insurance, travel and entertainment, shopping and many other services.
Access
to all union publications and communications
Eligibility
to earn extra money by participating in our
Member Organizer Program
* With enrollment in enhanced Medicare Plan
USWU RETIREE CHAPTER
https://www.uswu.org/retirees-1
SICK TIME
Terminal Leave
½ of your sick time
Up to $20,000
If hired after Jan 1 2018 – NOT ELIGIBLE!
ASK PERSONNEL ABOUT ROLLING YOUR SICK LEAVE INTO YOUR
DEFERRED RETIRMENT ACCOUNT
VACATION AND PERSONAL TIME
Your Vacation bank will be paid out
PERSONAL LEAVE TIME
THE COUNTY AS A POLICY DOES NOT PAY OUT PERSONAL TIME,
BUT IT CAN BE USED BEFORE RETIRING
ASK PERSONELL ABOUT ROLLING YOUR VACATION BANK INTO
YOUR DEFERRED RETIREMENT ACCOUNT
Discover the contractual rights and benefits available to retirees from Bergen County, including coverage for medical expenses depending on hire date, eligibility criteria, Medicare considerations, and limitations on post-retirement coverage. Additionally, learn about the USWU Retiree Chapter offering benefits and services to enhance retirees' quality of life for a nominal fee.
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Presentation Transcript
CONTRACTUAL RIGHTS WHEN CONTRACTUAL RIGHTS WHEN RETIRING FROM RETIRING FROM BERGEN COUNT Y BERGEN COUNT Y
RETIREE MEDICAL If you were hired If you were hired on or before June 27, on or before June 27, 1991, 1991, you will not pay anything you will not pay anything towards your Major Medical/RX if you towards your Major Medical/RX if you reach 25 years of service in the PERS reach 25 years of service in the PERS system system If you were hired on or after, June 28th, If you were hired on or after, June 28th, 1991, you will pay a percentage of 1991, you will pay a percentage of medical BASED ON YOUR medical BASED ON YOUR PENSIONABLE SALARY. PENSIONABLE SALARY.
WHO IS ELIGIBLE? If Hired before JANUARY 1, 2013 If Hired before JANUARY 1, 2013 MUST HAVE 25 Years in the PERS If Hired After January 1, 2013 If Hired After January 1, 2013 Must HAVE 25 years in PERS and Earned those years working as a Bergen County Employee
If you are Medicare eligible (Age 65), Medicare becomes your primary insurance covering If you are Medicare eligible (Age 65), Medicare becomes your primary insurance covering approximately 80% of your medical costs. The County will become your secondary. approximately 80% of your medical costs. The County will become your secondary. Primary Premium Rate (based on Choice of Plan) MULTIPLIED by Primary Premium Rate (based on Choice of Plan) MULTIPLIED by Percentage (as Calculated by your Pensionable Salary) plus any additional Percentage (as Calculated by your Pensionable Salary) plus any additional costs (Optional Dental)(Medicare Part B) costs (Optional Dental)(Medicare Part B) Or Or Secondary Premium Rate MULTIPLIED by Percentage (as Calculated by Secondary Premium Rate MULTIPLIED by Percentage (as Calculated by your Pensionable Salary) plus any additional costs (Optional your Pensionable Salary) plus any additional costs (Optional Dental)(Medicare Part B) Dental)(Medicare Part B)
RETIREE MEDICAL (CONTINUED) Medical after retirement does not cover Medical after retirement does not cover Dental or Glasses Dental or Glasses Eye Glasses are contractual and no longer covered.
USWU Retiree Chapter USWU Retiree Chapter The valued relationship we have built with you over the years shouldn t end here! The United Service Workers Union can continue to help you improve your life by offering you benefits and services that are FREE with your membership. USWU is offering a special Retiree Chapter membership for the low price of $30 per month. Spouses of active retiree members are welcome to join as well and receive their own membership.
Benefits that come with RETIREE CHAPTER dues include: Benefits that come with RETIREE CHAPTER dues include: FREE Medicare Advantage Program FREE Medicare Advantage Program FREE Hearing Care Program* FREE Hearing Care Program* FREE Dental Plan FREE Dental Plan FREE Vision Coverage FREE Vision Coverage FREE Rx Discount Card FREE Rx Discount Card FREE FREE access to the UBenefit homeowners insurance, travel and entertainment, shopping and many other services. UBenefit Program Program - which includes discounts on auto and Access Access to all union publications and communications Eligibility Eligibility to earn extra money by participating in our Member Organizer Program Member Organizer Program * With enrollment in enhanced Medicare Plan USWU RETIREE CHAPTER https://www.uswu.org/retirees-1
SICK TIME Terminal Leave Terminal Leave of your sick time Up to $20,000 If hired after Jan 1 2018 NOT ELIGIBLE! ASK PERSONNEL ABOUT ROLLING YOUR SICK LEAVE INTO YOUR DEFERRED RETIRMENT ACCOUNT
VACATION AND PERSONAL TIME Your Vacation bank will be paid out Your Vacation bank will be paid out PERSONAL LEAVE TIME PERSONAL LEAVE TIME THE COUNTY AS A POLICY DOES NOT PAY OUT PERSONAL TIME, THE COUNTY AS A POLICY DOES NOT PAY OUT PERSONAL TIME, BUT IT CAN BE USED BEFORE RETIRING BUT IT CAN BE USED BEFORE RETIRING ASK PERSONELL ABOUT ROLLING YOUR VACATION BANK INTO YOUR DEFERRED RETIREMENT ACCOUNT
