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LACERA - Health Care Home > Retiree Eligibility |
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RETIREE ELIGIBILITY & ENROLLMENT |
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WHO IS ELIGIBLE FOR HEALTH COVERAGE?
Retired
LACERA members from the County of Los Angeles. Even if you did
not have medical coverage under an employee health care program while
you were an active County employee, you are still eligible to participate
in LACERA-administered health care plans.
Participating districts in the County of Los Angeles, including the South Coast Air Quality Management District, Little Lake Cemetery District, Local Agency Formation Commission, and County Superintendent of Schools.
 Eligible Dependents |
- Your
lawful spouse (unless legally separated)
- Your
eligible domestic partner, provided you both filed a California
Declaration of Domestic Partnership
- Your
unmarried natural or legally adopted children or stepchildren,
up to age 19 or 23 if they are enrolled as full-time students
in an accredited institution and depend on you for financial
support
- Your
unmarried dependent children over 19 who are incapable
of self-support due to a physical or mental handicap and
meet specific requirements. (For details, call 1-800-786-6464
and press 1.)
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| Eligible New Dependents |
- A new spouse
- A newly registered domestic partner
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- A newborn child
- Newly-acquired legally adopted children and stepchildren
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| You
must enroll these dependents within
30 days of the date they become eligible family members. If
you are married or enrolling a domestic partner, both you and your
dependents must be members of the same plan. |
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| Eligible Surviving Dependents |
- Your
surviving spouse or eligible domestic partner who
is eligible to continue to receive retirement benefits
- Surviving
Children (without a surviving spouse/domestic partner)
Your surviving unmarried natural children, legally
adopted children or stepchildren, up to age 18 or until age
22, who are enrolled as full-time students and receiving
retirement benefits
- Surviving
Children (if there is also a surviving spouse/domestic
partner)
Your surviving unmarried natural children, legally
adopted children or stepchildren, up to age 19 or until age
23, if they remain unmarried and enrolled as full-time students
- Your
disabled dependent children who satisfy
each requirement described in the “Your Eligible
Dependents” section of the Exploring
your Health Care Benefits through LACERA booklet,
which is available in the
Retiree Health Care section of the Brochures
& Forms page.
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| COSTS OF MEDICAL AND DENTAL PLANS |
The cost of LACERA-administered
plans varies according to the plan selected, number of dependents
covered, and your years of service credit.
The County subsidizes retiree medical/dental
insurance based on the member's years of service credit;
a minimum of ten years of service applies. For a member with ten
years of service credit (excluding ARC and reciprocal service credit),
the County contributes 40 percent of the selected plan premium
or 40 percent of the benchmark plan premium, whichever is less.*
For each year of service credit beyond ten years, the County contributes
an additional four percent per year of the selected plan premium
or four percent of the benchmark plan premium, whichever is less,
up to a maximum of 100 percent for a member with 25 years of service
credit.
Members (including those with 25 years of service)
are required to pay the difference each month on premiums exceeding
the benchmark amount.
Although retirees with less than ten years
of service credit are not eligible for the County subsidy,
they are eligible for LACERA-administered retiree health care benefits.
In such cases, these retirees are responsible for the full amount
of the insurance premiums.
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ENROLLMENT
The enrollment process involves two steps.
- Read
your LACERA Exploring Your Health Care Benefits booklet regarding all
the various medical options. Fill
out the enclosed card to request specific information and enrollment
forms for the plans you have selected.
- Within
ten working days you will receive an envelope containing the information
you requested.
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You must select a health care plan within 60 days of your retirement. |
 Late Enrollment Rules
Medical Plans: If you enroll
after the initial deadline (60 days from your retirement date), a six-month waiting period applies. Coverage takes
effect the first day of the seventh month following LACERA’s receipt of your Medical Form. (For example: If LACERA receives your form on January 15, your coverage begins August 1.)
Dental/Vision Plans: If you
enroll after the initial deadline (60 days from your retirement date), a 12-month waiting period applies. Coverage takes
effect the first day of the thirteenth month following LACERA’s
receipt of your Dental/Vision Form. (For example: If LACERA receives your
form on January 15, your coverage begins February 1 of the following
year.) (3-9-09)
If you wish to
waive coverage under
a LACERA-administered plan, you must submit
a signed waiver of
coverage to LACERA.
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5/5/10
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