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I want to term my spouse/family from coverage when I retire, what is the process?

  • Read more about I want to term my spouse/family from coverage when I retire, what is the process?

A benefits change form is required to be submitted to the Benefits office prior to the retirement date. The form may be sent by pony mail, emailed to Benefits@hcpss.org or faxed to Benefits at 410-313-1531.

Can I change my medical plan if I am moving out of the service area?

  • Read more about Can I change my medical plan if I am moving out of the service area?

Yes, only if insured with the Carefirst HMO and within 30 days of the move date.

Do retirees have Open Enrollment?

  • Read more about Do retirees have Open Enrollment?

Yes, retirees have the same Open Enrollment period as active employees. This usually takes place in October of each year. Open Enrollment information is mailed to retirees.

How do I make changes to my benefits after I retire?

  • Read more about How do I make changes to my benefits after I retire?

Once you retire, you must complete and submit a benefits change form each time you want to make a benefit change. Benefits are effective the first of the following month.

If I pass away as a retiree, can my dependent still continue their health insurance?

  • Read more about If I pass away as a retiree, can my dependent still continue their health insurance?

Yes. Dependents may continue their existing benefit(s) in the event of a retiree’s death.

If I don’t need benefits now because I’m on my spouse’s benefits, may I enroll later?

  • Read more about If I don’t need benefits now because I’m on my spouse’s benefits, may I enroll later?

Upon your retirement date, the eligibility for retiree health benefits will be established, and you may select the one time opt-out option to preserve their ability to opt back in.

If I remove my dependent(s) at the time of retirement, can they be added back at any time and what is the process?

  • Read more about If I remove my dependent(s) at the time of retirement, can they be added back at any time and what is the process?

Yes, a dependent may be added during the annual Open Enrollment period for a January 1 effective date of the following year, or throughout the year within 30 days of a Qualifying Event such as a loss of other coverage.

If I move out of state, may I keep my benefits?

  • Read more about If I move out of state, may I keep my benefits?

If you are enrolled in the Aetna HMO or the Aetna PPO plan, you are able to keep your current benefits. If you are enrolled in the CareFirst HMO plan (which covers MD, DC and Northern VA) and are moving outside of the service area, you may request to switch to one of the Aetna plans within 30 days of the move.

If I don’t add my spouse to my benefits when I retire, may I add them later?

  • Read more about If I don’t add my spouse to my benefits when I retire, may I add them later?

Yes, you may add your spouse during the annual Open Enrollment period for an effective date of January 1 the following year. Outside of Open Enrollment you may add them within 30 days of a Qualifying Event such as a loss of other coverage.

May I cancel my retirement benefits at any time?

  • Read more about May I cancel my retirement benefits at any time?

Yes, a retiree may terminate benefits at any time throughout the year. A retiree benefits change form is required to be submitted to the Benefits office. The effective date of the term is the first of the month following the receipt of the change form and the approval by the Benefits office.

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Howard County Public School System
10910 Clarksville Pike
Ellicott City, MD 21042
Main Phone: (410) 313-6600

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