Pensioner Insurance Benefits
Employees hired before January 1, 2013, who vest prior to leaving employment are eligible to participate in the retiree Medical, Dental, and Vision plans at the same contribution percentages paid by active employees.
Employees hired on or after January 1, 2013, and non-vested employees rehired on or after January 1, 2013, are eligible to participate in the retiree Medical, Dental, and Vision plans as long as they have ten years of credited service and are eligible to retire on their date of separation - even if an election is made to defer retirement until their unreduced retirement date. Medical premiums will be indexed and based upon total years of credited service.
For those who are eligible for retiree insurance, coverage is effective the date your pension benefit becomes effective, and it will remain in effect until your pension ends or when you die. Your spouse and dependent children may be eligible to continue their coverage if you have elected for them to receive a survivor pension benefit.
Service and survivor pensioners may opt out of Metro's insurance coverage; however, prior to dropping Metro's coverage entirely, you may wish to check our Opting-Out of Benefits information on the limitations involved and whether you may qualify to re-enroll in our coverage at a later date.
If you have questions about your insurance coverage, please contact a Benefits Representative at 615-862-6700.