Your GIC Records (GIC Q&A)

Please remember to notify the GIC if you:

Active employees must notify their GIC Coordinator. Retirees must write to the GIC. Failure to notify the GIC of changes, such as divorce or remarriage, may result in financial liabilities.

Dependent Coverage: Unmarried dependent coverage changes at the end of the month in which the dependent turns 19. You must complete a Dependent age 19 to 26 Application for Coverage form in order to enroll your unmarried dependent (age 19 to 26) in health coverage tax-free if you are entitled to it. Married dependents are not eligible and the insured must have family plan coverage. See the Dependent Q & A section for more information.

Retirement and Your GIC Benefits

Before you retire, call or visit the State Retirement Board, or your local retirement board, for retirement counseling.

Before you retire from state service, evaluate your health and optional life insurance options. You may want to change your coverage at retirement. See your GIC Coordinator or this website for GIC forms and return completed forms to your GIC Coordinator. If you are a retiring municipal teacher (RMT), see the RMT section of this website for options and forms.

Turning Age 65

If you are 65 or over, call or visit your local Social Security Office for confirmation of Social Security and Medicare benefit eligibility. If you are eligible for Medicare Part A for free and if you continue working after age 65, you should enroll in Medicare Part A. You and your spouse should NOT enroll in Medicare Part B until you (the insured) retire.

If you are eligible for Medicare Part A for free and if you are retired, you MUST enroll in Medicare Parts A and B to be covered by the GIC.

If you are the spouse of an active employee who is 65 or over, you should sign up for Medicare Part A when you reach age 65 and sign up for Medicare Part B when your spouse retires.   Due to federal law, different rules apply for a same sex spouse.  See the Medicare Question and Answer section for more details.

If you pay Medicare Part B directly to Social Security (it is not deducted from your Social Security check) and fail to pay the premium, the Centers for Medicare & Medicaid (CMS) requires back payment of premium owed before they will reinstate coverage. See this site's Medicare section for more information.

Most GIC enrollees should not enroll in Medicare Part D.