Haris Ashley
In Connecticut, public school employees and retirees can choose to continue their health insurance coverage through their local school district. This option is available if they are not participating in Medicare Part A and Part B. The cost of health insurance varies across districts, and the district must charge the same premium as assessed by the insurance company for the type of coverage. To offset the cost, the CTRB issues a subsidy payment of up to $220 monthly for individual coverage and up to $440 for member and spouse coverage. Once individuals become eligible for Medicare Part A and Part B, they can join the CTRB-sponsored plan. Connecticut also has its official health insurance marketplace, Access Health CT, where individuals can shop, compare, and enroll in health and dental plans.
| Characteristics | Values |
|---|---|
| Can CT public school retirees elect to continue health insurance coverage through their former employer? | Yes |
| Can the spouse of a retiree also continue coverage with the retiree's former employer's plan? | Yes |
| Does the cost of health insurance vary from district to district? | Yes |
| Does the former employer have to charge the retiree the same premium that is assessed by the insurance company for the type of coverage they are receiving? | Yes |
| For self-insured plans, must the former employer charge the retiree the budgetary premium rate for their form of coverage? | Yes |
| Will CTRB issue a subsidy payment on behalf of the retiree to their former employer to offset the cost of health insurance coverage? | Yes |
| What is the current subsidy payment for individual coverage? | Up to $220.00 monthly |
| What is the current subsidy payment for member and spouse coverage? | Up to $440.00 monthly |
| Can a retiree's spouse continue to receive health insurance coverage through the retiree's former employer if the retiree dies? | Yes |
| Can a retiree's spouse continue to receive the subsidy if the retiree dies? | Yes |
| Can a retiree's spouse continue to receive health insurance coverage and the subsidy if they remarry? | No |
| Can a retiree's spouse continue to receive health insurance coverage and the subsidy if they are receiving a monthly beneficiary payment? | Yes |
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What You'll Learn
- Retired employees can continue health insurance coverage through their former school district
- The cost of health insurance varies from district to district
- Former employers must charge the same premium as assessed by the insurance company
- CTRB will issue a subsidy payment to offset the cost of health insurance
- Surviving spouses can continue coverage and receive a subsidy if they do not remarry
Retired employees can continue health insurance coverage through their former school district
In Connecticut, retired employees can continue their health insurance coverage through their former school district. This is only applicable if they are not participating in Medicare Part A and Part B. The cost of health insurance varies from district to district. However, the former employer must charge the same premium that is assessed by the insurance company for the type of coverage being received. For self-insured plans, the former employer must charge the budgetary premium rate for that form of coverage.
The CTRB will issue a subsidy payment to offset the cost of health insurance coverage. The current subsidy payment is up to $220 monthly for individual coverage and up to $440 monthly for member and spouse coverage. This subsidy payment is also applicable to a surviving spouse not participating in Medicare Part A and Part B. They may continue coverage and continue to receive the subsidy as long as they do not remarry.
If a retired employee's spouse is still working, and the retired employee wishes to obtain dental coverage with their former employer, they are eligible for dental coverage and entitled to a subsidy. However, if the retired employee is covered under their spouse's plan, neither of them is eligible for the subsidy payment.
Once the retired employee and/or their spouse become eligible for Medicare Part A and Part B, they may join the CTRB-sponsored plan.
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The cost of health insurance varies from district to district
In Connecticut, if you or your spouse are not enrolled in Medicare Part A and Part B, you can choose to continue your health insurance coverage through the local school district where you were employed at the time of retirement. The cost of health insurance varies from district to district. Your former employer must charge you the same premium that is assessed by the insurance company for the type of coverage you are choosing. For self-insured plans, your former employer must charge you the budgetary premium rate for your form of coverage.
The CTRB will issue a subsidy payment to your former employer to offset the cost of your health insurance coverage. The current subsidy payment is up to $220 monthly for individual coverage and up to $440 monthly for member and spouse coverage. This subsidy payment can also be used by the board of education to offset their costs unless there is a contractual provision stating otherwise.
Once you and/or your spouse become eligible for Medicare Part A and Part B, you may join the CTRB-sponsored plan. If you have coverage from a private source or another group plan other than a Connecticut public school district, a subsidy is not payable on your behalf.
Your former school district is not obligated to pay for the cost of your health insurance unless required to do so by a collective bargaining agreement or other arrangement. If you are not participating in your former employer's health insurance plan, no subsidy payment will be made.
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Former employers must charge the same premium as assessed by the insurance company
In Connecticut, if you and/or your spouse are not participating in Medicare Part A and Part B, you may choose to continue your health insurance coverage through your local school district (where you were employed at the time of retirement). The cost of health insurance varies across different districts. However, it is mandatory for your former employer to charge you the same premium that is assessed by the insurance company for the specific type of coverage you are receiving. This rule also applies to self-insured plans, where the former employer must charge the budgetary premium rate for your form of coverage.
To compensate for this cost, the CTRB will issue a subsidy payment on your behalf to your former employer. This subsidy payment can be up to $220.00 per month for individual coverage and up to $440.00 per month for member/spouse coverage. Additionally, if you and/or your spouse are 65 years old, ineligible for Medicare A premium, and contribute a minimum of $440 per month towards your individual insurance cost, the subsidy amount can be $440. This subsidy payment must first be used to cover the cost of your health insurance, and any remaining balance can be utilized by the board of education to offset their expenses unless there is a contractual clause stating otherwise.
It is important to note that if you have alternative coverage from a private source or another group plan that is not affiliated with a Connecticut public school district, you are not eligible for a subsidy payment from your former employer. However, if you are a surviving spouse who is not enrolled in Medicare Part A and Part B, you can continue to receive health insurance coverage and the associated subsidy as long as you do not remarry. This provision remains valid regardless of whether you are receiving a monthly beneficiary payment.
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CTRB will issue a subsidy payment to offset the cost of health insurance
In Connecticut, CTRB will issue a subsidy payment to offset the cost of health insurance for retirees who are not on Medicare Part A and Part B. This subsidy is paid to the retiree's former employer, which can be the local school district in which they were employed. The current subsidy payment is up to $220 monthly for individual coverage and up to $440 monthly for member and spouse coverage. This payment ensures that the retiree's health insurance coverage can continue without incurring additional costs for the individual.
It is important to note that this subsidy is only available if the retiree is not participating in their former employer's health insurance plan. If an individual has coverage from a private source or another group plan, they are not eligible for the subsidy. However, if the retiree's spouse is not participating in Medicare Part A and Part B, they may continue coverage and receive the subsidy as a surviving spouse, even if they remarry.
The cost of health insurance for retirees who remain with their former school district's plan can vary from district to district. The school district must charge the retiree the same premium that is assessed by the insurance company for the type of coverage they are receiving. For self-insured plans, the budgetary premium rate must be charged.
Once the retiree and/or their spouse become eligible for Medicare Part A and Part B, they can join the CTRB-sponsored plan. This plan includes prescription, dental, vision, and hearing coverage. It is important to note that the CTRB subsidy is separate from other financial assistance programs offered by the state of Connecticut, such as the 'Medicare Savings Programs' and the 'Covered CT Program', which provide additional support for eligible individuals.
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Surviving spouses can continue coverage and receive a subsidy if they do not remarry
In Connecticut, if you are not participating in Medicare Part A and Part B, you may elect to continue your health insurance coverage through your local school district. This also applies to your spouse, who can continue to be covered by your former employer's plan. The cost of health insurance varies from district to district, but your former employer must charge you the same premium that is assessed by the insurance company for the type of coverage you are receiving.
If you remain with your former employer for health insurance, the CTRB will issue a subsidy payment to your former employer to offset the cost of your health insurance coverage. The current subsidy payment is up to $220.00 monthly for individual coverage and up to $440.00 monthly for member and spouse coverage.
When an employee dies, their spouse is still eligible for health insurance coverage through the deceased's former employer. As a surviving spouse not participating in Medicare Part A and Part B, he/she may continue coverage and continue to receive the subsidy as long as he/she does not remarry. This is applicable regardless of whether or not the surviving spouse is receiving a monthly beneficiary payment from the system.
The CTRB sponsored plan can be joined once the spouse becomes eligible for Medicare Part A and Part B.
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Frequently asked questions
Yes, you may elect to continue your health insurance coverage through the local school district in which you were employed at the time of retirement.
Yes, the cost of health insurance varies from district to district.
No, if you have coverage from a private source or from another group plan other than a Connecticut public school district, a subsidy is not payable on your behalf.
Yes, as long as either you and/or your spouse are not participating in Medicare Part A and Part B, state law requires that they make coverage available to you and/or your spouse.
