RETIREE HEALTHCARE ELIGIBILITY
WHO IS ELIGIBLE FOR RETIREE HEALTH COVERAGE?
Retired LACERA members are eligible. Even if you did not have medical coverage under an employee healthcare program while you were an active County employee, you are still eligible to participate in LACERA-administered healthcare plans.
- Your lawful spouse (unless legally separated)
- Your eligible domestic partner, provided you both filed a California Declaration of Domestic Partnership
- Your natural or legally adopted children or stepchildren, up to age 26
- 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 800-786-6464 and press 1.
ELIGIBLE NEW DEPENDENTS
You must enroll these dependents within 30 days of the date they become eligible family members otherwise the late enrollment rules will apply. If you are married or enrolling a domestic partner, both you and your dependents must be members of the same plan.
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 10 years of service applies. For a member with 10 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 10 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 10 years of service credit are not eligible for the County subsidy, they are eligible for LACERA-administered retiree healthcare benefits. In such cases, these retirees are responsible for the full amount of the insurance premiums.
*Service credit from the City of Los Angeles (LACERS) may count toward the County retiree healthcare subsidy; certain eligibility rules apply. For additional information, call 800-786-6464 and press 1 to speak with a LACERA Healthcare Benefits Specialist.