Medical Benefit Information for Surviving Spouses and Dependents

FOR ALL DEATH BENEFITS: Enrollment is not automatic. Application for Continuing Lifetime or Survivor Benefit must be received and complete including certified death certificate and proof of marriage for medical coverage effective retroactive to appointment date to continuing benefit (1st day of the month after the month of death).

Public Employees’ Retirement System (PERS) Survivor Health Benefits


PERS – Defined Benefit Plan
Member Status At Time of Death Tier I
(Deceased Member hired pre- July 1, 1986)
Tier II
(July 1, 1986-June 30, 1996)
Tier III
(July 1, 1996-June 30, 2006)

*Active, non-vested, married less than a year, not married during PERS service, or not married at time of death;

OR

*Vested, surviving spouse elects lump sum payment only;

OR

*Regular or Level Income Option Retiree;

OR

*Joint and Survivor Retiree, married but not to spouse from time of retirement.

COBRA Benefits: Can be purchased within 90 days of termination of member’s coverage for up to 36 months by/ for former enrolled dependents.

Can continue to direct-bill for prior-enrolled Long-Term Care (LTC) coverage.

COBRA Benefits: Can be purchased within 90 days of termination of member’s coverage for up to 36 months by/ for former enrolled dependents.

Can continue to direct-bill for prior-enrolled Long-Term Care (LTC) coverage.

COBRA Benefits: Can be purchased within 90 days of termination of member’s coverage for up to 36 months by/ for former enrolled dependents.

Can continue to direct-bill for prior-enrolled Long-Term Care (LTC) coverage.

*Active/ Deferred/ Non-Occupational Disability, vested and married at least one year, Surviving Spouse elects Continuing Lifetime Benefit;

OR

*Occupational Disability/ Death;

OR

*Joint and Survivor Retiree married to spouse from time of retirement;

OR

*Joint and Survivor Retiree, divorced post-retirement from spouse from time of retirement.

System-Paid Major Medical including prescriptions for survivor and member’s eligible dependents;

AND

One-time option to purchase Long-Term Care (LTC) for survivor only;

AND

One-Time option to purchase Dental/Vision/ Audio (DVA) for survivor and member’s eligible dependents.

*Survivor age 60 or over on appointment date

OR

**Member with at least 30 years’ credited service (Peace Officer/ Firefighter, 25 years’ credited service):

System-Paid Major Medical including prescriptions for survivor and eligible dependents; One-time option to purchase Long-Term Care (LTC) and/or Dental/Vision/ Audio (DVA)

*Survivor not yet age 60, member <30 (25) years’ service:

Major Medical/ prescription, must pay premiums until age 60, enroll at appointment (no pre-existing condition limitation applies) or during open enrollment (pre-existing condition limitation applies).

DVA, enroll at appointment with or without Major Medical, or during open enrollment with new Major Medical, until age 60.

LTC, enroll at appointment only.

*Member with less than 10 years’ credited service (used to calculate benefit), survivor must self-pay all premiums.

*Member with at least 10 years’ credited service

AND

Survivor age 60 or over on appointment date

OR

**Member with at least 30 years’ credited service (Peace Officer/ Firefighter, 25 years’ credited service):

System-Paid Major Medical including prescriptions for survivor and eligible dependents; One-time option to purchase Long-Term Care (LTC) and/or Dental/ Vision/Audio (DVA)

*Member with at least 10 years’ credited service, Survivor not yet age 60, member <30 (25) years’ service:

Major Medical/ prescription, must pay premiums until age 60, enroll at appointment (no pre-existing condition limitation applies) or during open enrollment (pre-existing condition limitation applies).

DVA, enroll at appointment with or without Major Medical, or during open enrollment with new Major Medical, until age 60.

LTC, enroll at appointment only.

Deferred, non-vested.

No Eligibility.

No Eligibility.

No Eligibility.

Pre-Retirement Divorce With NO QDRO entitlement to continuing benefit.

No Eligibility.

No Eligibility.

No Eligibility.

Pre-Retirement Divorce with QDRO entitlement to continuing benefit.

Ex-spouse can purchase Major Medical ONLY, and only when first appointed to a benefit (QDRO or CLB); May NOT purchase Dental/ Visio/Audio (DVA) or LTC.

Ex-spouse can purchase Major Medical ONLY, and only when first appointed to a benefit (QDRO or CLB); May NOT purchase Dental/ Visio/Audio (DVA) or LTC.

Ex-spouse can purchase Major Medical ONLY, and only when first appointed to a benefit (QDRO or CLB); May NOT purchase Dental/ Visio/Audio (DVA) or LTC.

** Presumed based on interpretation of PERS Statute 39.35.535 (c), existing materials and practices.

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Teachers’ Retirement System (TRS) Survivor Health Benefits


TRS – Defined Benefit Plan
Member Status At Time of Death Tier I
(Deceased Member hired pre- July 1, 1990)
Tier II
(July 1, 1990-June 30, 2006)

*Active, non-vested, married less than a year, not married during PERS service, or not married at time of death;

OR

*Vested, surviving spouse elects lump sum payment only;

OR

*Regular or Level Income Option Retiree;

OR

*Joint and Survivor Retiree, married but not to spouse from time of retirement.

COBRA Benefits:
Can be purchased within 90 days of termination of member’s coverage for up to 36 months by/ for former enrolled dependents.

Can continue to direct-bill for prior-enrolled Long-Term Care (LTC) coverage.

COBRA Benefits:
Can be purchased within 90 days of termination of member’s coverage for up to 36 months by/ for former enrolled
dependents.

Can continue to direct-bill for prior-enrolled Long-Term Care (LTC) coverage.

*Active/ Deferred/ Non-Occupational Disability, vested and married at least one year, Surviving Spouse elects Continuing Lifetime Benefit;

OR

*Occupational Disability/ Death;

OR

*Joint and Survivor Retiree married to spouse from time of retirement;

OR

*Joint and Survivor Retiree, divorced post-retirement from spouse from time of retirement.

System-Paid Major Medical including prescriptions for survivor and member’s eligible dependents;

AND

One-time option to purchase Long-Term Care (LTC) for survivor only;

AND

One-Time option to purchase Dental/Vision/ Audio (DVA) for survivor and member’s eligible dependents.

*Survivor age 60 or over on appointment date

OR

**Member with at least 30 years’ credited service (Peace Officer/ Firefighter, 25 years’ credited service):

System-Paid Major Medical including prescriptions for survivor and eligible dependents; One-time option to purchase Long-Term Care (LTC) and/or Dental/Vision/ Audio (DVA)

*Survivor not yet age 60, member <30 (25) years’ service:

Major Medical/ prescription, must pay premiums until age 60, enroll at appointment (no pre-existing condition limitation applies) or during open enrollment (pre-existing condition limitation applies).

DVA, enroll at appointment with or without Major Medical, or during open enrollment with new Major Medical, until age 60.

LTC, enroll at appointment only.

Deferred, non-vested.

No Eligibility.

No Eligibility.

Pre-Retirement Divorce With NO QDRO entitlement to continuing benefit.

No Eligibility.

No Eligibility.

Pre-Retirement Divorce with QDRO entitlement to continuing benefit.

Ex-spouse can purchase Major Medical ONLY, and only when first appointed to a benefit (QDRO or CLB); May NOT purchase Dental/ Visio/Audio (DVA) or LTC.

Ex-spouse can purchase Major Medical ONLY, and only when first appointed to a benefit (QDRO or CLB); May NOT purchase Dental/ Visio/Audio (DVA) or LTC.

*1% Supplemental Retired or Deferred vested member dies and leaves a dependent child, and supplemental contributions have been made under AS 14.25.055 for at least 5 years of credited service

AS 14.25.220 (13)
"dependent child" means an unmarried child of a member, including an adopted child, who is dependent upon the member for support and who is either (A) less than 19 years old, or (B) less than 23 years old and registered at and attending on a full-time basis an accredited educational or technical institution recognized by the Department of Education and Early Development; the age limits set out in this paragraph do not apply to a child who is totally and permanently disabled.

System-Paid Major Medical including prescriptions for dependent children;

AND

One-Time option to purchase Dental/Vision/Audio (DVA) for dependent children.

 

** Presumed based on interpretation of TRS Statute 14.25.168, existing materials and practices.

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Judicial Retirement System (JRS) Survivor Health Benefits


JRS
Member Status At Time of Death All State of Alaska Justices and Judges

*Active/Deferred with less than two years of service

OR

*Active/Deferred/Retired and married less than one year immediately preceding death of the member

No Eligibility.

*Divorce with QDRO entitlement to continuing benefit.

Ex-spouse can purchase Major Medical ONLY, and only within 60 days of the first monthly benefit being paid; May NOT purchase Dental/Visio/Audio (DVA) or LTC.

*Active/Deferred with at least two years of service and married at least one year immediately preceding death of the member

OR

*Retired and married at least one year immediately preceding death of the member

OR

*Active/Deferred/Retired with no surviving spouse or the surviving spouse does not meet the requirements immediately preceding death of the member, dependent child or children are eligible to receive benefits

The surviving child or children are entitled to the survivors' benefits under (c) of this section during the period of their dependency. Dependency exists with respect to any child of a justice or judge who is either (1) a minor under the laws of Alaska, (2) under the age of 23 and is a student attending on a full-time basis an accredited educational or technical institution recognized by the state Department of Education and Early Development, or (3) so mentally or physically incapacitated as to be unable to provide for self-care.

System-Paid Major Medical including prescriptions for survivor and member’s eligible dependents;

AND

One-time option to purchase Long-Term Care (LTC) for survivor only;

AND

One-Time option to purchase Dental/Vision/Audio (DVA) for survivor and member’s eligible dependents.

** Presumed based on interpretation of JRS Statute 22.25.090, existing materials and practices.

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Elected Public Officers Retirement System (EPORS) Survivor Health Benefits


EPORS
Member Status At Time of Death Tier I
(Deceased Member hired pre- July 1, 1990)
Tier II
(July 1, 1990-June 30, 2006)

*Active, non-vested, married less than a year, not married during PERS service, or not married at time of death;

OR

*Vested, surviving spouse elects lump sum payment only;

OR

*Joint and Survivor Retiree, married but not to spouse from time of retirement.

COBRA Benefits:
Can be purchased within 90 days of termination of member’s coverage for up to 36 months by/ for former enrolled dependents.

Can continue to direct-bill for prior-enrolled Long-Term Care (LTC) coverage.

COBRA Benefits:
Can be purchased within 90 days of termination of member’s coverage for up to 36 months by/ for former enrolled
dependents.

Can continue to direct-bill for prior-enrolled Long-Term Care (LTC) coverage.

*Active/ Deferred/ Non-Occupational Disability, vested and married at least one year, Surviving Spouse elects Continuing Lifetime Benefit;

OR

*Occupational Disability/ Death;

OR

*Joint and Survivor Retiree married to spouse from time of retirement;

OR

*Joint and Survivor Retiree, divorced post-retirement from spouse from time of retirement.

OR

*TRS 1% Supplemental Benefit: spouse at the time of death.

System-Paid Major Medical including prescriptions for survivor and member’s eligible dependents;

AND

One-time option to purchase Long-Term Care (LTC) for survivor only;

AND

One-Time option to purchase Dental/Vision/ Audio (DVA) for survivor and member’s eligible dependents.

*Survivor age 60 or over on appointment date

OR

**Member with at least 25 years’ membership service:

System-Paid Major Medical including prescriptions for survivor and eligible dependents; One-time option to purchase Long-Term Care (LTC) and/or Dental/ Vision/Audio (DVA)

*Survivor not yet age 60, member <25 years’ service:

Major Medical/ prescription, must pay premiums until age 60, enroll at appointment (no pre-existing condition limitation applies) or during open enrollment (pre-existing condition limitation applies).

DVA, enroll at appointment with or without Major Medical, or during open enrollment with new Major Medical, until age 60.

LTC, enroll at appointment only.

Surviving Spouse, married at least 1 year to, and eligible to receive a survivor benefit.

Eligible for system paid medical. Benefits are also available to eligible dependents for the duration of their dependency.

Eligible for system paid medical. Benefits are also available to eligible dependents for the duration of their dependency.

Deferred, non-vested.

No Eligibility.

No Eligibility.

Pre-Retirement Divorce With NO QDRO entitlement to continuing benefit.

No Eligibility.

No Eligibility.

Pre-Retirement Divorce with QDRO entitlement to continuing benefit.

Ex-spouse can purchase Major Medical ONLY, and only when first appointed to a benefit (QDRO or CLB); May NOT purchase Dental/ Visio/Audio (DVA) or LTC.

Ex-spouse can purchase Major Medical ONLY, and only when first appointed to a benefit (QDRO or CLB); May NOT purchase Dental/ Visio/Audio (DVA) or LTC.

** Presumed based on interpretation of TRS Statute 14.25.168, existing materials and practices.

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