Health Care Benefits in Retirement
Retaining FCPS Health Coverage
Maintenance of Health Care Coverage in Retirement
At the end of your career, FCPS provides eligible retirees a valuable benefit in the ability to retain health coverage at retirement. Your ability to retain coverage can vary based on your date of employment or retirement.
In order to retain FCPS health coverage as a retiree, you must first meet the following enrollment/tenure requirements:
|Date of Hire/Retirement*||Enrollment or Tenure Requirement|
|Actively employed as of 12/31/18||Covered for 60 or more continuous months immediately prior to retirement
Employed with FCPS for 15 or more years in a benefits eligible position
|Hired on or after 1/1/19||Employed with FCPS for 15 or more years in a benefits eligible position|
*Individuals who were retired and covered by an FCPS medical or dental plan (or the DHO plan) on 12/31/18 meet the enrollment/tenure requirement.
In addition to the above criteria, a retiree must:
- Be covered by the FCPS health and/or dental plan immediately prior to retirement
- For example, if you are retiring on July 1, 2019, you must be covered under the FCPS medical and dental plan on June 30, 2019, to retain coverage as a retiree.
- Elect Medicare Parts A and B when first eligible. For most retirees that occurs at age 65, but may occur earlier due to disability.
- Meet the definition of ‘retiree’ (transition from active status to immediately drawing a pension check from one of the FCPS sponsored pension plans).
If you are a retiree age 55 or older (or if you retire due to disability), FCPS provides a subsidy toward the cost of your medical coverage, thereby reducing the amount you must pay.
The subsidy schedules for VRS/ERFC and FCERS members can be found on page 6 in the Retiree Benefits Handbook. The subsidy is not available for dental coverage, nor is it available to surviving spouses/dependents of deceased retirees.
For more information, view the FCPS Medical Plan Subsidies website.
Cancelling or Re-entering the FCPS Plan After Retirement
If you are eligible to retain coverage as a retiree, you may be eligible to drop coverage and re-enter the plan at a later date, provided that you are Medicare eligible and meet the established criteria. See the Re-entry Rights for Retirees website for more information on retiree re-entry rights.