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Retiree Eligibility and Medical Coverage

Retiree Eligibility To be eligible for retiree health coverage under the Plan, an active employee must be enrolled in the Plan and:

  • Participate in a retirement plan approved by the Mississippi Public Employees’ Retirement System (PERS),

  • Participate in the State and School Employees' Health Insurance Plan for 4 years or more (unless retiring due to work-related disability), and

  • Have at least 25 or more years of creditable service, or

  • Be at least age 60 with 4 or more years of creditable service, or

  • Be age 45 with 20 or more years of service if retiring from the Mississippi Highway Safety Patrol, or

  • Be approved for disability retirement benefits by PERS, or

  • Be an elected state or district official who does not run for reelection or who is defeated.

Note: Refer to the Group Term Life Insurance section for information on applying for life insurance coverage as a retiring employee or totally disabled employee.

Retiree Enrollment An employee must apply for retiree coverage at least 31 days prior to their retirement date to avoid a temporary lapse in coverage. The Application for Coverage form must be received within 31 days of losing coverage as an employee. If the form is received more than 31 days after coverage as an employee has terminated, the right to continue medical coverage as a retiree will be forfeited. The effective date of the retiree coverage will be the first day of the month following termination as an active employee.

Retiree Coverage Checklist Be sure to complete the following checklist to enroll for retiree health and life benefits: 9 Complete a health insurance Application for Coverage form and a life insurance Enrollment/Change Request Form 9 Submit 1st month’s premium made payable to the State/School Insurance Fund 9 Submit a copy of the final Estimate of Benefits provided by the Public Employees’ Retirement System (PERS) 9 Submit copy of PERS disability approval letter (if applicable) This information must be returned to the employee’s Human Resources office 31 days prior to the retirement date.

Reminder: If you or your spouse is eligible for Medicare, contact your local Social Security Administration office to enroll in Parts A, B, and D of Medicare.


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