Coverage Effective Date

Coverage begins on the first day of the third month following your retirement date.  For example, if you retire on any day in June, your coverage begins on September 1st.  If you have questions about your coverage after your retirement and before your effective date with the GIC, contact your city/town/school district.  Note:  The GIC cannot process your application until you have received your first pension check from the Teachers’ Retirement Board.

Family Coverage Eligibility

Family coverage may include your spouse and children up to the age of 26.  Coverage is allowed under certain circumstances for handicapped dependents.

Cost of Coverage

Most of the cost of your insurance will be paid for by the city/town/district you retired from.  The exact cost of premium changes at least yearly and varies from plan to plan.  See the RMT rates section to calculate your premium.


This information provided by the Group Insurance Commission .