The full cost of benefits to insure a spouse and/or child must be paid by the retiree; there is no Board contribution for retiree spouses, regardless of years of service.

You will be billed by our third party billing company.

For retirees who retire on July 1, the first deduction is taken from their September pension check because active employee benefits do not terminate until August 31. For all others, the retiree benefit payments typically begin at the end of the month that you retire. There are times where the benefit payment may be delayed a month or so, due to Maryland State Pension not having your account set up on time. In such an instance, you will be billed for the month that the benefit premium was not deducted by our third party billing company.

Retiree premium is deducted from the retiree’s pension. If the funds are not available to cover the deduction amount, the retiree will be invoiced by our third party billing administrator.

Premium payments are deducted from the retiree’s pension. If the pension funds are not available to cover the total amount, you will be invoiced from our third party billing administrator.

There is no Board contribution for dependents. You may cover any eligible dependents if you elect to, but the cost is fully funded by the retiree with no Board contribution.

The percentage of the Board contribution for retiree health insurance is contingent upon the cumulative years of services, and calculated on the prime insurance carrier which is currently the Aetna Select Open Access (HMO ) plan. At 15-19 years, the board contribution is 50%, at 20-24 years the board contribution is 75%, and at 25+ years the board contribution is 90%.

The cost of your benefits is based on the type of plan you are enrolled in, your years of service with HCPSS, if you are Medicare eligible, your retirement date, and if you intend to cover any dependents. Retiree rates can be found on the Retiree Benefits website.

You only need to complete a Retiree Benefit Change Form at the time of retirement, if you are canceling your insurance, if you are electing for the “One time Opt Out” option, when removing a dependent(s), or if you are moving out of the service area for medical coverage. You must submit your change form 45 days prior to your retirement date.

You do not need to enroll in the retiree life insurance benefit. As long as you have a minimum of 10 years of service with HCPSS, you are eligible for retiree life insurance. It is important to update your life insurance beneficiary information periodically.