ORSSCHOOLS - Your Insurance Benefits

ORS — Public School Employees Retirement System

Michigan.gov - official web site for the State of Michigan

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>	Membership

>	MIP or Basic

>	Contributions

>	Leaving School Employment

>	Qualifying for Your Pension

>	Estimating Your Pension

>	Earning Service Credit

>	Adding to Your Service Credit

>	Disability Benefits

>	Your Insurance Benefits

	Health Dental Vision

	Long-Term Care (LTC)

	Hearing Aid Coverage

	Insurance Rates


>	Beneficiary/Death Benefits

>	Retirement At A Glance

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Your Insurance Benefits

When you retire, you and your eligible dependents can enroll in the plan's group insurance offerings.

Your share of the insurance premium is deducted from your monthly pension payments. Click here to see current rates.

The health insurance plans include hearing aid coverage. If you choose not to enroll in one of the health plans a hearing aid benefit may be available (unless you took a deferred retirement and have less than 21 years of service).


Health and Dental/Vision Insurance		Dependent Coverage
Coverage always begins on the first day of a calendar month. Your insurance coverage as a retiree can begin on your retirement effective date if you submit your completed retirement application and group insurance application, with all required proofs, before your retirement effective date.		Your eligible dependents are eligible to receive health, dental, and vision insurance. Your spouse is an eligible dependent to be covered. If he or she is also a public school retiree, you will be covered together under one contract.
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Long Term Care (LTC) Insurance		Hearing Aid Coverage
Long-term care insurance helps offset the cost of custodial care (not medical care) provided in a nursing facility or in the home. The state has established a group plan with MetLife for long-term care insurance for active (working) employees and retirees, as well as their parents, parents-in-law, grandparents, and grandparents-in-law.		The health insurance plans include hearing aid coverage for those enrolled in the group health insurance. If you choose not to enroll in one of the health plans, a hearing aid benefit may still be available unless you took a deferred retirement and have less than 21 years of service.
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Premium Subsidies
Whether or not the state helps cover insurance premium costs depends on when membership with the Michigan Public School Employees Retirement System began as well as other factors.
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