Retiree Health Insurance

Health Insurance Post Retirement

Under Teachers’ and State Employees’ Retirement System (TSERS) and the Optional Retirement Plan (ORP), you may be eligible to continue health insurance under the North Carolina State Health Plan when you retire and elect a monthly retirement benefit.

  • If you were first hired on or after Jan. 1, 2021, retiree health insurance will not be available to you. Check with your institution’s HR/ Benefits Office for additional information.

  • If you were first hired prior to Oct. 1, 2006, and retire with five or more years of contributory retirement services, you will be eligible for health care coverage at no cost, under certain plan options. Reference State Health Plan’s Retiree Insurance for details on plans and premiums.

  • If you were first hired on or after Oct. 1, 2006, but before Jan. 1, 2021, in order to receive health care coverage at no cost, you must retire with 20 years of retirement service credit. If you have at least five years of contributory retirement service, but less than 20 years of retirement service credit, you may be eligible for coverage by paying a larger percentage. Reference State Health Plan’s Retiree Insurance for details on plans and premiums.

  • In all cases, the full cost of dependent coverage, if elected, must be paid by you. If you withdraw, transfer or roll over your TSERS or ORP contributions to an IRA or another employer’s retirement plan, you will forfeit your right to the State’s retiree group health plan coverage.

Medicare:

Resources:

Contacts:

Gina Ewart, Benefits Consultant, 704-687-0647 | giewart@charlotte.edu