ORS State Employees DB - Your Insurance

ORS State Employees Defined Benefit Plan

Michigan.gov, Official Web Site for the State of Michigan

Michigan.gov Home	ORS Home \| Defined Benefit Plan Home \| Site Map \| Contact ORS \| Glossary


>	Qualifying for Your Pension

>	Estimating Your Pension

>	Rounding Out Your Retirement Plans

>	Are You Ready to Retire?

>	Choosing a Date

>	Postretirement Increases

>	How To Apply

>	Your Insurance

	Health, Dental, and Vision Insurance

	Life Insurance

	Long Term Care (LTC) Insurance

	Dependent Health Insurance

	Benefits for Life for State Retirees


>	What to Expect After You Apply

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Your Insurance

When you retire, you and your eligible dependents have the option of enrolling in retiree group insurances. Your life insurance continues, but at a reduced face value.

If you leave under a deferred retirement, you can enroll in the health, dental, and vision group insurance when you begin receiving your pension at age 60, but you won't be eligible for the group life insurance.


Health, Dental, and Vision Insurance		Life Insurance
When your retirement application is processed, we forward your insurance information to the health, dental, and vision insurance carriers. You should receive insurance identification cards and materials a few weeks after your pension begins.		As a retiree, your state-sponsored life insurance continues for you and your dependents at no charge to you. Your coverage is 25 percent of the coverage you carried when you left work; your dependents' policies are capped at $1,000 each.
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Long Term Care (LTC) Insurance		Dependent Health Insurance
Prudential has been selected as the new provider of Long-Term Care insurance effective February 1, 2012. For questions about your MetLife Long-Term Care plan, call MetLife Customer Service at 1-800-438-6388.		Eligible dependents for health, dental, and vision insurance plans include your spouse (as long as he or she is not also separately enrolled as an eligible state employee or retiree) and your unmarried children by birth, legal adoption, or full legal guardianship.
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Benefits for Life for State Retirees
The Benefits for Life, the retiree-paid, optional coverage program offered through the state of Michigan offers you the opportunity to apply for coverage in key benefit areas. These offerings do not replace your state-sponsored benefit plans. Instead, the program offers additional financial protection with premiums payable through the convenience of pension deduction. Because the plans are optional, you can customize your coverage by choosing from a range of plans that offer a combination of benefits and features that can help meet your personal and family insurance needs.
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The retirement plan information that appears on this website is intended to summarize basic provisions of Public Act 240 of 1943, as amended.
Current laws, rates, and factors are subject to change. Should there be discrepancies between the information reflected here and the actual law,
the provisions of the law govern.