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Your Insurance Benefits

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Michigan Office of Retirement Services

Your Insurance Benefits

Your Insurance Benefits


When you retire, you, your spouse, 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. See current rates. These rates apply to all public school retirees who retire after Jan. 1, 2013, or to previous retirees who were not yet eligible for Medicare coverage as of Jan. 1, 2013.

Monthly insurance rates for the next calendar year are established each fall and go into effect in January. Annual rate sheets are mailed each year to members before the rates take effect on Jan. 1.

Note: Please refer to the Premium Subsidy Eligibility section below for factors that may affect your subsidy eligibility and long-term care insurance. 

Click on a topic below for more information:

Insurance Carrier Options Rate Information
Dependent Coverage Premium Subsidy Eligibility
Enrollment: When Coverage Begins How Medicare Affects Your Coverage
FAQs About Insurance Insurance Forms
Annual Certifications & Verifications Personal Healthcare Fund
Our Process Long-Term Care Insurance