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HEALTHCARE


SURVIVOR HEALTHCARE ELIGIBILITY

WHO IS ELIGIBLE FOR SURVIVOR HEALTH COVERAGE?

  • Your surviving spouse or eligible domestic partner who is receiving a continuing monthly allowance
  • Surviving Children (absent a surviving spouse/domestic partner)
    Your surviving unmarried natural children, legally adopted children or stepchildren, up to age 18. Eligibility may be extended through age 22 if the eligible child(ren) remains unmarried and a full-time student in an accredited educational institution, and is 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 26.
  • Your disabled dependent children who satisfy each requirement described in the “Your Eligible Dependents” section of the Exploring Your Healthcare Benefits Through LACERA booklet, which is available in the Retiree Healthcare section of the Brochures & Forms page.

IMPORTANT FACTS REGARDING SURVIVOR ELIGIBILITY FOR LACERA-ADMINISTERED HEALTHCARE

Upon the death of a LACERA member, any survivor or beneficiary who is receiving a continuing monthly allowance from LACERA and who qualifies as a surviving eligible dependent, as defined by LACERA‘s Retiree Healthcare Administrative Guidelines, is eligible to enroll in LACERA-administered healthcare coverage.*

RETIREMENT OPTION SURVIVOR HEALTHCARE ELIGIBILITY REASON FOR ELIGIBILITY OR INELIGIBILITY
Unmodified or Unmodified+Plus
  • Yes
  • Limits designated beneficiaries to surviving spouses or domestic partners or minor children who meet eligibility requirements
  • Both Options provide a continuing allowance
Option 1

(not available in
Plan E)

  • No
  • Pays a lump-sum benefit, not a continuing allowance
Option 2, 3, or 4
  • Only if named beneficiary meets definition of eligible surviving dependent
  • Provides a continuing allowance

Eligibility for Survivor Healthcare under Option 2, 3, or 4

If you have an eligible spouse or domestic partner at retirement, and do not designate that individual to receive a monthly allowance, he or she will not be eligible to receive LACERA-administered survivor healthcare upon your death.

Survivors and dependents who had continuous coverage under the decedent‘s LACERA-administered health plan, but are not eligible to receive a continuing allowance, may apply for continued benefits (for a maximum of 36 months) under the Consolidated Omnibus Budget Reconciliation Act (COBRA).

*Member‘s surviving spouse, domestic partner, minor child(ren), or disabled dependent children who meet eligibility requirements. Surviving minor child(ren) are eligible for survivor allowances only when there is no surviving spouse or domestic partner. Survivor allowances to an eligible minor child continue until the child is no longer eligible.

HOW DIVORCE AFFECTS ELIGIBILITY FOR SURVIVOR HEALTHCARE

Divorce impacts more than a retiree‘s retirement allowance; it also affects eligibility for LACERA-administered survivor healthcare.

  • If you divorce (or terminate your registered domestic partnership) during your active service, your “ex” will not be eligible for LACERA-administered survivor healthcare upon your death.
  • If you divorce during active service and later remarry (or enter into a registered domestic partnership) at least one year prior to retirement, your new spouse or domestic partner will be eligible for LACERA-administered survivor healthcare upon your death if he or she is receiving a continuing monthly allowance.
  • If you named your former spouse or domestic partner as beneficiary at the time of retirement, and you later divorce or terminate your domestic partnership, your “ex” will not be eligible for LACERA-administered survivor healthcare upon your death.
  • If you divorce (or terminate your registered domestic partnership) during active service and remarry (or enter into a registered domestic partnership) less than one year prior to retirement, your new spouse or domestic partner will not be eligible for LACERA-administered survivor healthcare upon your death.
    NOTE: If you divorce (or terminate your registered domestic partnership) after retirement, you must notify LACERA‘s Retiree Healthcare Division to remove your “ex” from your LACERA-administered Healthcare coverage.

9/25/18