ELIGIBILITY AND PROCEDURES

Ensure that the employee has confirmed his/her retirement eligibility with his/her retirement board and applies for retirement benefits. To continue GIC health as a retiree, the retiree must be eligible for and receiving a monthly pension.  If the retiree becomes no longer eligible to receive a retirement or pension allowance from a GIC participating retirement system, he/she will no longer be eligible for any GIC benefits including the GIC Retiree Dental Plan.

To process a retirement:

  1. Give the retiring employee a GIC Municipal Benefit Decision Guide.  Instruct the retiring employee to read the frequently asked questions for retirement on our website:  www.mass.gov/gic/faqs.
  2. On the Municipal Insurance Enrollment and Change Form pdf format of Form1muni.pdf (Form-1MUN) check box 6 (Retirement).  Indicate the date of retirement and instruct the retiring employee to review his or her health benefits.
  3. Review Municipal Insurance Enrollment and Change Form (Form-1MUN) for completeness and sign it.
  4. Photocopy Municipal Insurance Enrollment and Change Form (Form-1MUN) and file in the retiring employee’s personnel file.
  5. Send the original Municipal Insurance Enrollment and Change Form (Form-1MUN) to the GIC.
  6.  Stop the GIC deductions in your payroll system and coordinate deductions from the retiring employee’s pension system. 
  7. If the retiring employee and/or his/her spouse is age 65 or over, instruct the retiring employee and/or his/her spouse to go to Social Security to find out about their Medicare eligibility.  If eligible for Part A for free, the retiree and/or spouse must enroll in Medicare Part A and Part B.  Be sure the retiring employee indicates their Medicare plan choice in the Retirement Section of the Municipal Insurance Enrollment and Change Form (Form-1MUN) with the date of retirement.

CHANGING HEALTH PLANS AT RETIREMENT

At retirement, an employee with GIC health coverage may change his/her health plans.

  1. Instruct the retiring employee to indicate changes on Municipal Insurance Enrollment and Change Form pdf format of Form1muni.pdf (Form-1MUN) and sign it. 
  2. Review the forms for completeness and sign.
  3. Photocopy the forms and file them in the retiring employee’s personnel file.
  4. Send the original forms to the GIC
  5. The GIC will determine the effective date of the change and notify the retiree.

ENROLLING IN A HEALTH PLAN AT RETIREMENT

If an employee is retiring and does not have GIC coverage, he/she may enroll in GIC coverage.  However, he/she cannot enroll until he/she is actually receiving a retirement allowance or pension.  You, the Coordinator, can assist the new retiree with enrollment, or can direct him/her to the GIC.  To process:

  1. The retiring employee completes and signs the following forms:
    • Municipal Insurance Enrollment and Change Form pdf format of Form1muni.pdf (Form-1MUN).
    • Insurance Data Form pdf format of IDFform.pdf (IDF) for family coverage.  Must also provide:
        • For spousal coverage – copy of marriage certificate.
        • For dependent coverage under age 19 – copy of birth certificate(s). The birth certificate(s) must show the parent-child relationship to the insured or his/her spouse.
        • For dependent coverage age 19 to 26 – Dependent Age 19 to 26 Form and a copy of birth certificate. The birth certificate must show the parent-child relationship to the insured or his/her spouse.
        • For former spouse – provide following sections of the legal separation or divorce decree: page with absolute date, health insurance language, signature pages, and former spouse’s address.
  2. Obtain from the retiring employee a letter from their retirement board indicating that the retirement has been approved and the effective date of retirement.
  3. Verify that the forms above are completed accurately and completely.  Ensure that both you and the retiring employee have signed and dated all forms
  4. Photocopy completed GIC forms and the letter from the retirement board and file them in the retiring employee’s personnel file.
  5. Send original signed forms and a copy of the letter from the retirement board to the GIC.  The GIC will determine the effective date of coverage and will notify the retiree.

NOTE: If the retiring employee does not enroll or continue in a GIC health plan at retirement, he/she may only enroll during the GIC’s spring Annual Enrollment period or with proof of involuntary loss of other health coverage.

 

GIC RETIREE DENTAL

If your municipality offers the GIC Retiree Dental Plan, advise the retiree enrolling in coverage:

  • Once enrolled, if he/she drops coverage, he/she may never re-enroll. 
  • If the retiring employee does not enroll in the plan within 30 days of retirement, he/she may only enroll during the GIC’s spring Annual Enrollment period or with proof of involuntary loss of other dental coverage.

Procedure:

  1. Retiree or survivor completes and sends you the GIC Retiree Dental Plan form.
  2. Sign the GIC Retiree Dental Plan form.
  3. Photocopy the GIC Retiree Dental Plan form and file a copy in the retired employee’s personnel file.
  4. Send the original GIC Retiree Dental Plan form along with the Form-1MUN for the retirement.
  5. The effective date of the Retiree Dental Plan will be the first of the second month following the date of retirement as long as the GIC receives the form on or before the date of retirement.  If the Retiree Dental form is received at the GIC after the date of retirement, the GIC will determine the effective date of coverage and notify the municipality accordingly.
  6. Enter the dental deduction in your pension system.

This information provided by the Group Insurance Commission .