Modelo de optimización de redes de distribución de agua potable

As an active employee, your employer must pay part of the cost of your health and dental insurance. When you retire, the amount your employer contributes to your retiree insurance premiums is based on several fac- tors, including the type of agency from which you retired.

State Agency, Higher Education and Public School District Retirees:

You may be eligible for a state contribution to your retiree insurance premiums based on when you began employment and on your number of years of earned service credit with an employer that participates in the state insurance program.

Local Subdivision Retirees:

Retiree eligibility guidelines are the same for local subdivision retirees as they are for state, higher educa- tion and public school district retirees. However, the funding may be different. Local subdivisions may or may not pay a portion of the cost of their retirees’ insurance premiums. Each local subdivision develops its own policy for funding retiree insurance premiums for its eligible retirees. If you are a local subdivision employee, contact your benefits office for information about retiree insurance premiums.

Employees Hired Before May 2, 2008

If you worked in an insurance-eligible position before May 2, 2008, with an employer participating in the state insurance program, your health insurance premiums are based on the number of years of earned service with an employer participating in the state insurance program.

For insurance eligibility purposes, earned service credit includes time that you worked for an employ-

er that participates in EIP, even if you did not participate in EIP’s programs. Earned service credit does not include non-qualified service, federal employment, military service, out-of-state employment, educational service, leave of absence, unused sick leave, or service with employers that do not par-

ticipate in EIP. Service as a TERI participant in a full-time, permanent position with a participating employer may be applied toward earned service credit to determine retiree insurance eligibility.

Retirees hired before May 2, 2008, may be funded or non-funded. A funded retiree’s former employer con- tributes to his retiree insurance premiums. A non-funded retiree receives no contribution. He is responsible for the entire cost.

R etir ement/Disa bility R etir ement

Funded Retirees (Employer pays its part of the premium)

To be eligible for funded retiree insurance, you must be eligible to retire and must meet one of these crite- ria:

• You left employment when you were eligible to retire and you have at least 10 years of earned SCRS

service credit with an employer that participates in the state insurance program. The last five years must

be served consecutively in a full-time, permanent position.

You may enroll within 31 days of your retirement or a special eligibility situation, or during open enroll- ment.

• You left employment before you were eligible to retire but when you left, you had at least 20 years of earned SCRS service credit with an employer that participates in the state insurance program. The last

five years must be served consecutively in a full-time, permanent position.

You may enroll within 31 days of your 60th birthday (when you become eligible to receive a retirement check) or a special eligibility situation, or during open enrollment. Employees who qualify to retire un- der PORS become eligible at age 55.

Non-funded Retirees (You pay all of the premium)

To be eligible for non-funded retiree insurance, you must be eligible to retire and must meet one of these criteria:

• You have at least five years, but fewer than 10 years, of earned SCRS service credit with an employer that participates in the state insurance program. The last five years must be served consecutively in a

full-time, permanent position.

You may enroll within 31 days of your retirement or a special eligibility situation, or during open enrollment.

• You retire at age 55 with at least 25 years of SCRS service credit. The last five years must be served consecutively in a full-time, permanent position. You must pay the full insurance premium until you

reach age 60 or the date you would have had 28 years of service credit, whichever occurs first. At the

end of this period, you may be eligible for funded retiree rates. This rule applies only to SCRS partici- pants, not to ORP participants.

You may enroll within 31 days of your retirement or a special eligibility situation, or during open enrollment.

• You are a former municipal or county council member who served on council for at least 12 years and were covered under the state’s plan when you left the council. It is up to the county or municipal council to decide whether to allow former members to have this coverage.

Employees Hired on or After May 2, 2008

Retiree insurance provisions, created by Act 195 of 2008, apply to new employees hired on or after May 2,

2008. At retirement, you must meet established insurance eligibility rules. Funding for your health insurance will be determined by calculating the number of years of earned service with an employer participating in the state insurance program.

For insurance eligibility purposes, earned service credit includes time that you worked for an employ-

er that participates in EIP, even if you did not participate in EIP’s programs. Earned service credit does not include non-qualified service, federal employment, military service, out-of-state employment,

R etir ement/Disa bility R etir ement

educational service, leave of absence, unused sick leave, or service with employers that do not par-

ticipate in EIP. Service as a TERI participant in a full-time, permanent position with a participating employer may be applied toward earned service credit to determine retiree insurance eligibility.

These funding provisions apply to retirees of state agencies, public school districts and higher education institutions.

Funded Retirees (Employer pays its part of the premium)

To be eligible for funded retiree insurance, you must be eligible to retire and have at least 25 years of earned service credit with an employer that participates in the state insurance program. The last five years

of service must be served consecutively in a full-time, permanent position. Your former employer pays 100 percent of the employer’s share, and you pay the retiree’s share.

Partially Funded Retirees (You split the employer’s part of the premium) To be eligible for partially funded retiree insurance, you must be eligible to retire and have at least 15 years, but fewer than 25 years, of earned service credit with an employer that participates in the state insur-

ance program. The last five years of service must be served consecutively in a full-time, permanent position.

Your former employer pays 50 percent of the employer’s share of the premium. The retiree pays the retiree’s share plus the remaining 50 percent of the employer’s contribution.

Non-funded Retirees (You pay all of the premium)

To be eligible for non-funded retiree insurance, you must be eligible to retire and have at least five years,

but fewer than 15 years, of earned service credit with an employer that participates in the state insurance

program. The last five years of service must be served consecutively in a full-time, permanent position. As

a non-funded retiree, you pay the entire cost of the insurance. There is no contribution from your former employer.