Types of Service Credit
Rounding Out Your Retirement Plans
When your retirement application is processed, we forward your insurance information to the health, prescription drug, 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.
To view Long-Term Care Insurance (LTC) plan details, visit the Employee Benefits Division of the Michigan Civil Service Commission under Retiree Eligibility. If you previously enrolled in a state-sponsored LTCI plan with LifeSecure, Prudential or MetLife, you can call the vendor directly. For the LifeSecure Indiv
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.
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 optiona
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When you applied for your pension, you chose either a straight life option, which provides no ongoing benefit after your death, or one of the survivor options, which continues payments for the lifetime of the person you named as your survivor pension beneficiary.
Whether ongoing benefits are due or not, your survivor should contact the Michigan Office of Retirement Services upon your death. We will ask for your social security number so we can stop your pension payments and review your record to see if anything more is payable.
Additional information about reporting a death can be found by going to the Voya Financial website or calling 800-748-6128. Another helpful publication is the Employee Benefits Division's Death Benefits for State Employees: A Guide for Surviving Family Members, Estate Executors and Others.
If you elected a survivor option for your pension, group insurances will continue uninterrupted for your designated pension beneficiary after your death. Your eligible spouse and unmarried children by birth or legal adoption who were covered at the time of your death will also continue to receive insurance benefits if you chose a survivor option.
If you did not choose a survivor option, coverage for your enrolled spouse and dependents ceases the last day of the month of death. However, they may be eligible to continue insurance coverage for up to 36 months through COBRA.