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退休人员常见问题

Find answers to frequently asked questions related to retiree benefits offered to eligible employees through the 澳门威尼斯人网上赌场’s Total Rewards package. 参观 退休人员福利网页 了解更多信息.

一般的问题

我有资格退休吗?

The University has established criteria in determining retirement eligibility. We use several key factors to determine eligibility and appropriate retirement grandparent level:

  • 你的雇佣日期和工作状态
  • 累计服务年限
  • 你计划退休时的年龄

还有一些其他的因素在我们的 退休人员资格页面. 我们鼓励员工通读信息和 联络退休人员福利.

我如何申请服务积分?

您需要填写一份 退休人员 Service Credit form and submit it to the Office of Total Rewards for review. 4Rs(在1996年1月1日之前入职的)应填写 4R退休人员服务积分表, 5Rs(1996年1月1日及以后入职的)需填写 5R退休人员服务积分表.

Does the 澳门威尼斯人网上赌场 provide retiree 治愈th benefits?

是的,我们有. 这里有一份全面的退休人员健康福利清单 在这里.

我如何参加退休人员医疗保健福利?

您需要填写一份 退休人员资格活动/更改表格. 此表格只应在你与一名学生会面后填写 退休人员人力资源代表 并选择了你的退休日期.

If you’re Medicare Eligible, you will need to 通过福利联系 at (833) 945-1110 or my.viabenefits.com/UniversityofRochester 为了参加医疗保险.

退休人员健康计划要花多少钱?

Your cost for retiree 治愈th plan benefits are determined by the 治愈th plan that you are enrolled in and your subsidy from the University.

Non-Medicare eligible retiree 治愈th plan costs are located 在这里.

适用于符合医疗保险条件的退休人员, your rate will depend on the plan you select with 通过福利. Subsidy amounts through a 健康 Reimbursement Arrangement are listed 在这里.

我如何支付我的退休医疗保健计划?

对于不符合医疗保险条件的退休人员, you will be billed quarterly by Administrative Services for your retiree 治愈th insurance. Covered spouses and domestic partners will be included on billing statements. The billing statement will include amount due, w在这里 to send payment and date payment is due by. Example: 健康 and/or dental coverage for January, February and March will be billed in February.

适用于符合医疗保险条件的退休人员, you will be billed by the insurance carrier in which you select a 治愈th plan with.

For retiree dental coverage, you will be billed quarterly by Lifetime Benefit Solutions. For more information on the retiree dental billing process, please visit the 退休人员牙科页面.

我的退休健康保险什么时候开始?

如果你符合医疗保险资格, you will want to enroll in a Medicare eligible plan that will be effective the first of the month following your retirement date. Example: You retire January 20th and enroll in a plan prior to January 31st, 你的保险将从2月1日开始.

当我或我的配偶65岁时,需要做些什么呢?

Three months before turning age 65 you and/or your spouse should begin the process to apply for Medicare. If you are both currently working and are not covered by a UR 退休人员 卫生保健 Plan, 你可能不需要申请医疗保险. 请 联系 the Office of Total Rewards to speak with 退休人员人力资源代表 to review your situation.

医疗保险A、B部分是什么 & D封面?

一般来说, 医疗保险A部分 包括医院护理, 熟练的护理设施护理, 养老院护理, 临终关怀, 家庭健康服务.

医疗保险B部分 covers medically necessary and preventative services such as clinical research, 救护车服务耐用医疗设备(DME), 以及住院/门诊心理健康.

医疗保险D部分 处方药的覆盖率是多少?. T在这里 are two ways to get prescription drug coverage – enroll in a Medicare Advantage plan that has Part D封面age or purchase drug coverage through Medicare Private Fee-for-Service plans and Medical Savings Account plans.

我如何报名参加医疗保险A部分和B部分?

有几种方法可以报名参加 医疗保险A和B部分. 在社会保障局网上申请,去你当地的地方 社会保障办公室 或致电社会保障局 (800) 772-1213.

What happens if I return to work 兼职 or Time-As-Reported after I retire?

You may be eligible for active employee 治愈th benefits and will become ineligible for retiree 治愈th benefits.

If you are planning to retire and return to work TAR, 联系 the Office of Total Rewards at (585) 275-2084 因为这可能会改变你的福利资格.

如果你打算减少你的工作时间到 兼职, employees can now retire at a part-time status and receive the full-time contribution if they cumulatively meet the full-time equivalent service requirement. While working 兼职, you will receive active 兼职 benefits.

如果我的医保卡丢了,我该联系谁?

请 联系 the insurance provider in which your plan is through.

如欲申请退休人士牙科卡,请联络Excellus (800) 659-2808.

如果我的健康保险卡丢了,我该联系谁?

请联络适当的TPA/保险公司:

我应该向谁提供授权委托书通知?

授权书(POA)文件应通过电子邮件发送至 retireebenefits@ur.罗彻斯特.edu 或传真至 (585) 273-1054 向退休后管理人保密.

W在这里 can I get direct assistance or guidance with my Medicare and/or 健康 Insurance?

HIICAP免费提供, 准确客观的信息, counseling and assistance on Medicare and other related 治愈th insurance information or coverage plans. 你可以联系当地的HIICAP顾问 (800) 701-0501 或者访问他们的 本地办事处网页.

What happens if I don’t elect retiree 治愈th care when I retire?

If you choose to enroll in a plan outside of the University coverage, current policy allows for you to change to 澳门威尼斯人网上赌场 退休人员 coverage if you experience a qualifying event or during the University 开放登记 period (typically occurring in the Fall).

通过福利

什么是Via福利?

通过福利 is a private 治愈th insurance marketplace that allows retirees to choose from a wide variety of plan options and carriers and to purchase the plans that make sense for them. 通过福利还管理HRA, so their representatives can help retirees with both their plan and their funding.

什么是健康保险市场?

健康 insurance marketplaces are “stores” w在这里 individuals can shop for a 治愈th insurance plan through a concierge service, 网上或电话都可以, 参加一个符合他们需求和预算的计划. The individual marketplace and private 治愈th marketplaces offer more choices for affordable, 比以往任何时候都更优质的医疗保健.

通过福利是一个“私人”市场. 私营市场由私营企业经营, while “public” exchanges are run by state and federal governments.

通过福利是一家营利性公司吗? 通过福利是如何赚钱的?

是的,通过福利是一家营利性公司. The company (not the Benefit Advisor) receives commissions from the insurance companies. The premium for your coverage through 通过福利 is the same as it would be if you purchased the coverage directly from the insurance company – t在这里 is no mark-up in the premium for coverage through 通过福利. But, you will only receive the HRA if you enroll in medical coverage through 通过福利.

谁授权威盛福利顾问?

Licenses are issued by each state and they have to pass a test for each insurance company in that state. A Benefit Advisor can be licensed in many states; in fact, most are licensed in several states. The Benefit Advisor you work with will be licensed in the state in which you reside.

Since I will provide my medical conditions and prescription drug information to the Benefit Advisor how do I know that he or she will keep my information confidential?

The Benefit Advisor is required to follow the HIPAA and insurance company’s regulations and they will not disclose the information you share.

Are t在这里 Benefit Advisors designated just for the 澳门威尼斯人网上赌场?

The advisors are not dedicated only to the 澳门威尼斯人网上赌场, but they are generally in a “pod” having received 澳门威尼斯人网上赌场 training. Many 通过福利 Advisors have experience with higher Ed retirees.

Do you talk to a different Benefit Advisor every time you call?

当你打来电话, 如果你上次谈话的福利顾问有空, the 通过福利 phone system will automatically route you to that same advisor. If you would like to speak to the same Benefit Advisor every time, you can request that person. They may not be available when you call, so you can ask for that person to call you back.

福利顾问是否收取佣金?

No

我必须填写入学申请表吗?

不,你不需要填写书面申请. You will answer questions on the phone for the enrollment specialist to complete the application(s) for you. 请 note that you may answer the same question multiple times.

如何更新信息I.e. 增加新的医生或更换药物?

你可以直接联系通过福利 (888) 586-0693 or log in to your online 通过福利 account to add the updated information.

我能在年中改变计划吗?

If you are enrolled in a Medicare Advantage plan you can make changes for your next calendar year’s coverage during the enrollment process held October 15 through December 7 each year. If you are enrolled in a Medigap plan, you can make changes during the year. 向福利顾问咨询更多细节.

医疗报销安排(HRA)

人力资源管理局是如何运作的?

HRA是一种报销安排, which means you will first pay the premium and out of pocket expenses; you can then be reimbursed for eligible expenses, 到你的HRA的金额.

  • UR每年1月1日为HRA提供资金
  • The insurance company you choose will bill you the full premium for your coverage and you pay that full premium directly to the insurance company.
  • You can be automatically reimbursed from the HRA for the premium amount. The quickest way to be reimbursed is to set up direct deposit so 通过福利 can send the premium reimbursement to your bank account automatically. 如果你愿意,他们可以给你寄支票. The Benefit Advisor will explain more about the automatic reimbursement process.
哪些费用有资格由HRA报销?

退休人员 and eligible spouses will be able to use their HRA funds to be reimbursed for medical and prescription drug premiums.  If a retiree is also enrolled in the University 牙科 plan, those premiums may be eligible as well.  1月1日生效, 2023, the 澳门威尼斯人网上赌场 HRA may be used to reimburse qualified out-of-pocket 治愈th care expenses. 请 通过福利联系 了解更多信息.

退休人员和符合条件的配偶共享HRA吗?

是的. The HRA is a joint account for the retiree and eligible spouse.

What happens to the retiree’s coverage and HRA if the spouse dies?

The retiree continues to be eligible for coverage through 通过福利; the spouse’s coverage will be cancelled as of the date of death. 除了, the 退休人员 HRA credit will continue each year; t在这里 will be no future HRA allotment for the spouse amount.

Can I contribute to the HRA or can I roll over money from my 保险公司 or IRA?

不,这是法律所不允许的.  You can still use your 保险公司 for medical expense and is a separate account, 但不能把钱转到你的人力资源管理局.

Is t在这里 a maximum amount that can be carried over year to year?

不,你可以每年结转任何金额. 没有最大值或最小值.

我们向谁支付保险费?

你将直接向保险公司支付保险费. You can then be reimbursed from your available funds in the HRA.

如果我的医疗费用高于HRA金额怎么办?

You will be reimbursed for eligible expenses up to the value of your HRA. 如果你的费用较高,你将不会得到报销.

我的报销可以直接打到我的银行账户吗?

是的,您可以设置直接存款.

Do we submit premium claims for reimbursement at one time on an annual basis or do we submit as they come up?

当保费出现时,你提交报销要求.

Is t在这里 a deadline to submit manual claims for reimbursement?

视情况而定,可能有.  请 通过福利联系 详细说明.

我的HRA是多少?

查看我们的补贴图表 HRA网页 来确定你的金额.

I will be working in a time as reported position (TAR) after retirement. 我是否有资格获得HRA补贴?

HRA是由美国国税局管理的退休人员计划. This means you cannot be employed in any capacity with the University and receive funding. 一旦您的TAR任务结束, access to the HRA restarts and you will receive a prorated HRA contribution. 请 note, this does not affect your enrollment in your chosen 治愈th insurance plan.

I will be working a time as reported position (TAR) after retirement. I understand that I cannot access the HRA for expenses incurred while I am employed by UR. Can my spouse have access to the HRA while I am employed by UR?

No, neither of you will be able to access the HRA for premiums that occur during the time you are working.

我知道如果我在UR工作,我就不能进入hr. 如果我为不同的雇主工作,我可以使用人力资源管理局吗?

是的.

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