Medical (including Prescription Drugs and Vision Care)

Retiree or spouse under age 65, Retiree under age 65 with spouse over age 65:  If you had coverage immediately prior to retirement, coverage continues at retirement provided you elected to continue your coverage. If you did not have coverage at retirement, your coverage will begin on the day you provide proof of prior medical coverage under another employer's plan.

Major Medical Medicare Supplement Plan

Retiree and spouse over age 65:  Coverage begins on the first day of the month after you retire (or on your retirement date if it falls on the first of the month) or the first day of the month following your 65th birthday if you are under age 65 on your retirement date, provided you enroll within 30 days of becoming eligible. If you enroll more than 30 days after you first become eligible, or during a special enrollment period, your coverage will be effective on the first of the month after 30 days from date of enrollment. Prior employer-provided medical coverage is required.

Dental – MetLife or Delta Dental

Retiree or spouse under age 65, Retiree under age 65 with spouse over age 65:  If you had coverage immediately prior to retirement, coverage continues at retirement provided you elected to continue your coverage. If you did not have coverage prior to retirement, your coverage will begin on the day you provide proof of loss of prior dental coverage under another employer's plan.

Dental/Vision – UnitedHealthcare

Retiree or spouse over age 65:  If you had prior employer-provided dental coverage immediately prior to retirement, you must enroll within 30 days of retirement, and the plan’s pre-existing condition waiting period will be waived. If you did not have prior employer-provided dental coverage immediately prior to retirement, you must enroll within 30 days of retirement, and the pre-existing condition waiting period must be satisfied. Coverage begins on the first day of the month after you retire (or on your retirement date if it falls on the first of the month) or the first day of the month following your 65th birthday if you are under age 65 on your retirement date, provided you enroll within 30 days of becoming eligible. If you enroll more than 30 days after you first become eligible, or during a special enrollment period, your coverage will be effective on the first of the month after 30 days from date of enrollment.

Long Term Care

Retiree and spouse:  With a statement of health, coverage begins on the first of the month following the date the insurance company approves your request for enrollment.

Basic Life Insurance

Retiree only:  If you had basic life insurance coverage immediately prior to retirement, your full coverage will continue until you are age 65 provided you elected to continue this coverage at retirement. At age 65, a reduced amount of coverage continues.

Supplemental Life Insurance

Retiree only:  If you had supplemental life insurance coverage immediately prior to retirement and you were a salaried employee who retired prior to 2-1-2001 or an hourly employee who retired prior to 8-1-2001, your full coverage will continue until you are age 65 provided you elected to continue this coverage at retirement. Otherwise, supplemental life insurance ends on the date your employment terminates.

Savings Program

Retiree only:  Participation continues if you chose to defer receiving your account when you retired. You may not make contributions to the savings program on or after your retirement date.

Pension Plan

Retiree only:  Plan benefits begin the first of the month after you retire unless you chose to defer your benefit. Employees who retire with less than full pension benefits can defer their benefit until they are eligible for a full benefit.