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退休计划

Retirement planning is a process that takes place over the course of your career. Below is a list of important resources to assist you with retirement planning.

社会保障 
You can start your 社会保障 retirement benefits as early as age 62 or as late as age 70. Your monthly benefit amount will be different depending on the age you start receiving it. 社会保障 效益计算器 to help you estimate your 社会保障 Income in retirement.

美国教师退休基金会
美国教师退休基金会’s website offers you 24-hour access to your retirement account information. The site also offers an array of resources including 退休计划收入选择. Contact 美国教师退休基金会 directly at 800-842-2776 for more information and/or advice or schedule an on-campus meeting with an Individual Consultant by contacting 萨凡纳Brymer.

退休时的健康保险

Your choices for health insurance at retirement may include 医疗保险、 提前退休福利，和/或 眼镜蛇延续保险.

Options for Health Coverage at Retirement

Your College health insurance will continue through your last month of employment. (For example, if your last day of work is June 1, your coverage will end June 30).

Your choices for health insurance at retirement include:

  • 医疗保险
  • 提前退休人员健康保险
  • And/or 眼镜蛇延续保险.

Your eligibility for these options is dependent upon your age. 提前退休保险, your age and years of service at the time of retirement determine eligibility.

I. 医疗保险
The government provides health care benefits through 医疗保险. 点击这里 to learn about the benefits offered under 医疗保险 Parts A, B, C, and D.

*退休时间: THREE MONTHS PRIOR TO REACHING AGE 65
Whether you plan to continue working or retire after age 65, contact 社会保障 现在 to enroll in 医疗保险 Part A and discuss when you should enroll in 医疗保险 Parts B, C, and D. 你可以通过访问你的 当地社会保障局 or calling 社会保障 at 1-800-772-1213.

A. 资格
医疗保险 determines eligibility guidelines for coverage. 点击这里 to access eligibility guidelines and an interactive tool that will provide information specific to you.

B. 每月的成本 
医疗保险 determines the monthly cost of coverage. 点击这里 for information about current rates.

C. 医疗保险补充保险

  • 点击这里 to learn about the types of coverage available through 医疗保险 including Original 医疗保险、 医疗保险的优势, and 医疗保险补充保险 (or Medigap).
  • Your current insurance provider can inform you about their 医疗保险补充保险 offerings:
    • Blue Cross Blue Shield- (205) 306-2799
    • VIVA Health- (205) 533-4748

II. 提前退休保险

员工雇佣 之前 to June 1, 2014 are eligible to receive early retiree insurance benefits.

When you enroll in early retiree insurance, 你的健康, 牙科, and/or vision benefits will remain the same as when you were actively employed.

*退休时间: 在你工作的最后一个月
接触人力资源 to apply for Early Retirement Insurance.

A. 资格 
You will be eligible for early retiree health, 牙科, and vision insurance if you are:

  • Enrolled at the time of retirement
  • Age 60-64 with ten years of service
  • Age 55-59 years with 20 years of service
  • 没有资格享受医疗保险
  • Not otherwise ineligible for the College’s health, 牙科, and/or vision insurance

B. 每月的费用
Please contact HR for current rates.

  • Age 60-64 Health premiums partially funded by the College. You will be responsible for the full 牙科 and vision premiums.
  • Age 55- 59 You will be responsible for the full health, 牙科, and/or vision premiums.

C. 配偶及受养人保险
Your spouse/dependent will be eligible for coverage on your early retiree benefits as long as you are eligible and if he/she is:

  • On your College insurance at time of your retirement
  • 65岁以下
  • 没有资格享受医疗保险
  • Not otherwise ineligible for the College’s health, 牙科, and/or vision insurance

D. 达到65岁
当你65岁时, you and 你的配偶/dependents are no longer eligible for coverage on the College’s health, 牙科, and/or vision plans through 提前退休保险.

      • At age 65, you become eligible for 医疗保险. For details, see Section I on 医疗保险 above.
      • 眼镜蛇允许你, 你的配偶, and/or dependents to extend existing health, 牙科, and/or vision coverage for up to 18 months. For details, see Section 3 on 眼镜蛇 below.
      • If you enroll in both 眼镜蛇 coverage and 医疗保险 coverage, 医疗保险 will be primary and 眼镜蛇 will be secondary.

3. 眼镜蛇
眼镜蛇允许你 to extend your existing health coverage for up to 18 months.

*退休时间: 在你工作的最后一个月
接触人力资源 申请眼镜蛇保险.

A. 资格
You and 你的配偶/dependents are eligible to extend health, 牙科, and/or vision coverage through 眼镜蛇 if you were enrolled in the coverage at the time of retirement.

B. 每月的成本
眼镜蛇 premiums are equal to 100% of the total monthly premium plus a 2% service charge.

C. 配偶及受养人保险
Your eligible spouse/dependents can extend coverage through 眼镜蛇 independently of whether or not you elect 眼镜蛇. (i.e. If you enroll in 医疗保险、 你的配偶 can enroll in 眼镜蛇 single coverage.)

D. 共同保险 
If you enroll in both 眼镜蛇 coverage and 医疗保险 coverage, 医疗保险 will be primary and 眼镜蛇 will be secondary.

This information is intended as a tool to help you k现在 who to contact and what questions to ask as you plan for your future retirement. 请注意, this is not a comprehensive guide and you should communicate with the HR office and appropriate government agencies or insurance carriers as you make decisions about your medical coverage after retirement.