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RETIREE HEALTH BENEFITS 2020

 

SPOTLIGHT

Open Enrollment for 2020 has Closed!

If you missed the Open Enrollment window you will automatically re-enroll in the same medical and wellness benefit coverages that you had in 2019.

To view your coverage click on the
icon below to access FlexOnline

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HEALTH PLANS

 Please click on one of the links below for
information specific to your Retiree Health Plan(s).

elig_retiree Image          elig_dcms Image

 

Considering Retirement

If you are an active benefits eligible employee who is over the age of 55 and have at least ten consecutive years* of service in a benefits eligible position immediately prior to retirement, you may be eligible to continue health insurance through Dartmouth College.

*Note: When an employee has one or more breaks in benefit-eligible service and each break is one year or less, thebreak(s) will not prevent eligibility for retiree benefits. The breaks will be ignored when determining "consecutive" years of service, but the length of each break will not be counted as service. An interruption in benefit-eligible service lasting more than one year will break an employee's years of consecutive service.

Cost of Medical Coverage

Individuals hired into a benefit-eligible position prior to July 1, 2009 may receive a Dartmouth College subsidy toward his or her individual medical premiums. The current subsidy is calculated based on the single coverage cost of the Open Access Plan for retirees under age 65, or the DCMS Plan for Medicare eligible retirees.

Covering Dependents:

Retirees who elect coverage under a Dartmouth medical plan may also elect coverage for a spouse and/or dependent children. The eligibility criteria for covering a spouse or children under the retiree medical plans are the same as the eligibility criteria for coverage under the active employee medical plans. Dependents must be eligible at the time of the employee's retirement date in order to be eligible for retiree medical coverage. Plan coverage will depend on the age of the member. Ex: A spouse age 65 or over will have access to the DCMS plan, even if the retired employee is not Medicare eligible.

When to set up a Meeting with the Benefits Office

If you are eligible for Dartmouth's retiree benefits, schedule an appointment 3-4 Months prior to your official retirement date, to meet with a Benefits representative to learn about your retiree health coverage, get your temporary retiree ID card, and to complete the necessary form(s) to enroll or waive coverage. The Benefits office is not able to meet more than 3-4 months prior to your official date.  To set up a meeting or to ask general questions, please contact the benefits office by calling 603-646-3588 or at human.resources.benefits@dartmouth.edu

When to Elect Medical Coverage:

You will begin the process 3-4 months prior to your official retirement date.  If the employee elects coverage elsewhere and therefore declines Dartmouth retiree coverage, he/she retains the option to rejoin the Dartmouth plan either within 30 days of the loss of the other coverage or during Dartmouth's annual Open Enrollment period. Medicare eligible members would be required to contact Medicare three months prior to retirement to set up their Medicare Part A & Part B plans. Once the Medicare card is received, a copy must be sent to the Benefits Office, within 45 days prior to their coverage effective date, to be enrolled on time. The DCMS plan coverage should coincide with the Medicare Part B plan. Contact the Dartmouth Benefits Office at that time to confirm enrollment in the DCMS plan.

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Turning Age 65

Deciding whether to enroll in Medicare

I plan to continue working past age 65:

  • Dartmouth employees and their eligible dependents can continue to be covered on the active Dartmouth health plan until the primary subscriber (the Dartmouth employee) retires.
  • You do not need to enroll in Medicare Part B (out-patient medical insurance) or Medicare Part D(prescription drug coverage) at this time if you continue working. Medicare allows you to delay yourenrollment as long as you have Creditable Coverage through your employer or yourspouse's employer. Note: COBRA coverage is not considered Creditable Coverage by Medicare.
  • IMPORTANT: Enrollment in Medicare Part A at this time is optional. However, you cannot contributeto a Health Savings Account (HSA) if you are enrolled in any part of Medicare or Social Security. Toavoid a penalty, you should stop contributing to your HSA at least 6 months before you enroll in anypart of Medicare or Social Security. Please see theMedicare & You booklet for additional details.

I plan to retire soon:

  • I am eligible for Dartmouth Retiree health coverage:
    • To be eligible for Dartmouth College retiree health coverage in retirement you must be at least age 55and have at least ten consecutive years of service in a benefits-eligible position immediately before retiring.
    • Print and review a copy of the Medicare Supplemental Plan, Enrollment Checklist. Add the reminders to your outlook calendar.
    • Review the Medicare Enrollment FAQ
  • I am not eligible for Dartmouth retiree health coverage:
    • Contact Social Security 3 months before your last day of work to enroll in Medicare Part B (and PartA if you have not already done so) for you and any Medicare-eligible members of your householdcurrently covered on your Dartmouth health plan.
    • You can find additional information about Medicare on the Medicare.gov website.
    • Visit the Leaving Dartmouth webpage for information about how your benefits will be affected whenyou retire.

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Monthly Premiums & Billing

Monthly Premiums:

Your Retiree Health premium pays for your Non-Medicare Pre-65 medical plan, or your DCMS plan and the base premium for your Medicare Part D plan. If you are a Dartmouth Retiree meeting the basic eligibility requirements for the Dartmouth College Retiree Health plan, you may receive a subsidy from Dartmouth College toward your Retiree Health premium, based on age and years of benefit-eligible service.  Your specific subsidy percentage would have been communicated to you in a letter from the Benefits Office at the time that subsidy percentage was calculated. If you need to confirm your subsidy percentage, please contact the Benefits Office.

Monthly Billing: 

Once you are enrolled in a Dartmouth retiree health plan, you will begin receiving a monthly invoice from Dartmouth College for any unsubsidized portion of your household retiree medical insurance costs. If you do not owe a premium, you will not receive an invoice.  If you have questions about your billing, please contact Accounts Receivable at Student.Financial.Services@Dartmouth.edu or (603) 646-3899.

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Expiration of Other Benefits

COBRA:
As a Dartmouth Retiree you can elect to continue your dental plan and/or flexible spending account (FSA) through the Federal COBRA program if you are a participating member of those plans at the time of your retirement.  Crosby Benefits Systems is Dartmouth's contracted COBRA manager and will contact you shortly after you retire to invite you to continue these benefits through them.  Premiums are paid directly to Crosby Benefits to continue the elected benefits.   Please see the following links for additional information:

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Continuing Your Life Insurance

Your life insurance as an active employee is a term life policy that ends on the last day of the month in which you retire.  MetLife will contact you by mail shortly after you have retired, to give you the opportunity to continue your life insurance through them. You may contact MetLife directly at: http://www.MetLife.com or by calling (800)-638-6420   

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Expiration of Email Accounts

Your Dartmouth Email account will expire within 30 days from the date of your retirement.  Click here for additional details and help.  If you are granted an Emeritus designation your Email account will remain active. 

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What Should I do about my Retirement Accounts?

Defined Contribution Plan (TIAA or Fidelity)

The Defined Contribution (401a) account requires vesting to take ownership of the money in the account. Vesting is defined as 3 years of service to the college. If you are not vested, the money is forfeited by you and returned to Dartmouth. If you have completed at least 3 years of service or more, you have 3 options with the account. You may leave the account with the investment company until a later date, you may rollover the money into another qualified retirement account or you may take a cash distribution. (If you choose a cash distribution, taxes will be withheld and you may incur penalties.)

Defined Benefit (Staff & Union Pension) Plan

Supplemental Retirement Account (TIAA or Fidelity)

If you have contributed to a Supplemental Retirement Account (403b) as an active employee, any monies in the account belong to you and would be subject to the same 3 options mentioned above, including taxes and possible penalties. Whatever you choose to do with your account(s), the process must be initiated with the investment company where the account is housed.

457b Retirement Plan Information

Click here to schedule an individual appointment with TIAA or FIDELITY)

or call them toll-free at:

  • Fidelity 1-800-343-0860
  • TIAA 1-800-842-2776

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Retired Employee Death Benefit

Individuals who retired from Dartmouth on or before December 31, 2010 are entitled to a $5,000 Retired Employee Death Benefit from the College. Employees name a beneficiary for this benefit at retirement and can change that beneficiary at any time.

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Re-Employment Rules

In the event you are reemployed into an active benefits-eligible position (and your break in benefits-eligible service was more than one year), you will be considered a "new employee" and will no longer be eligible for a subsidy from Dartmouth toward retiree health insurance. New employees will have access to retiree health insurance plans at the Dartmouth group rate once they satisfy the eligibility period, and will be responsible for the full premium cost. Breaks in benefits-eligible service of one year or less will not affect retiree health eligibility.

 
* Important: Retirees reemployed in a temporary position may work full or part-time for less than 9 consecutive months.  If you work for 9 months or longer, the position would be reviewed for reclassification as a regular position. If reclassified as regular and working an average of 20 hours a week or more, you will be considered a "new employee" for benefits purposes and the Re-Employment rules noted above will apply. 

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Address Changes

Please contact the Benefits Office if you have had a change in address.  For new retirees this will ensure that your final W2 is sent to the correct place; for retirees it will ensure your annual enrollment information is sent to the correct address.  Please click here to submit a change in address

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Getting Your Retiree ID

Retiree ID photos are taken at the Campus Billing and DartCard Services at 103 McNutt Hall.  You will need to provide a temporary Retiree ID card, which will be provided to you during your retirement meeting with the Benefits Office.  The Dartmouth Card Office will take your photo and give you a new ID card that will replace your active employee ID card upon your retirement.    Campus Billing and DartCard Services is open Monday thru Friday 8:00 am-12:00 pm; 1:00 pm-4:30pm.   You can reach them by email at dartmouth.card@dartmouth.edu, or by phone at 603-646-3724.

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Parking Pass

If you pay to park on campus, your parking pass will not be renewed upon the new fiscal year.   Please contact Parking & Transportation Services for any additional details 

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D'Perks

As an eligible retiree of Dartmouth, you may be eligible to take advantage of many of the discounts provided to active Dartmouth employee's through the D'Perks program, including discounts at local restaurants and retail stores, movie and sporting event tickets, etc.  Retiree ID card may be required.

Contacts

Please contact the Benefits Office at Human.Resources.Benefits@Dartmouth.edu or (603) 646-3744, if you would like to suggest an educational opportunity for our retiree population or if there's more information you would like to see listed. 

 

The Benefits Office:

7 Lebanon Street, Suite 203,

Hanover, New Hampshire 03755-2112

Phone: 603-646-3588

Email: Human.Resources.Benefits@Dartmouth.EDU

Fax: 603-646-1108

HB 6042

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