RETIREE HEALTH CARE COSTS AND ENROLLMENT
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 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.
The enrollment process involves two steps.
- Read your LACERA Exploring Your Healthcare 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.
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.