Eligibility and Enrollment

<p class="pb-6">You are eligible for insurance coverage if you are a state officer or state employee when you:</p><ol class="list-decimal list-outside mb-6 ml-6"><li class="mb-2">retire under a State of Florida retirement system or a state optional annuity or state retirement program or go on disability retirement under the State of Florida retirement system, as long as you were covered by the Plan at the time of your retirement and you begin receiving retirement benefits immediately after you retire; or</li><li class="mb-2">retire under the Florida Retirement System Investment Plan, and you: (i.) meet the age and service requirements to qualify for normal retirement as set forth in s. 121.021(29), Florida Statures, or have attained the age specified by s. 72(t)(2)(A)(i), Internal Revenue Code and you have six (6) years of creditable service; and, (ii.) take an immediate distribution; and, (iii) maintained continuous coverage under the Plan from termination until receiving your distribution; or,</li><li class="mb-2">retired before January 1, 1976, under any state retirement system and you are not eligible to receive any Social Security benefits.&nbsp;</li></ol><p class="pb-6">If you do not continue health insurance coverage at retirement, you will not be allowed to elect state health insurance at a later date as a retiree.</p><p class="pb-6">If you are a retiree that returns to active employment as a full-time equivalent (FTE) or other personnel services (OPS) employee and you are enrolled in the Plan at the time of retirement, you will automatically be enrolled in active employee health insurance coverage. When you later terminate employment or return to retirement you will be allowed to continue retiree coverage, provided you have had continuous coverage.</p><p class="pb-6">If you are enrolled in the FRS Pension Plan, and were enrolled in employee health and life coverage at the time you terminated employment for reason of retirement, the People First Service Center will automatically enroll you in health coverage and the $2,500 life insurance benefit.</p><p class="pb-6">If you are enrolled in the FRS Investment Plan, and were enrolled in employee health and life coverage at the time you terminated employment for reason of retirement, you will need to enroll in COBRA health coverage until you take a distribution. Generally, it takes 2 months to receive a distribution for your FRS Investment Plan account. When you receive your FRS distribution notification, forward to the People First Service Center and request enrollment in retiree health and life coverage.</p><p class="pb-6">If you are thinking of retirement, review the&nbsp;<a href="/content/download/150861/file/DSGI_Retiree_Packet_Fillable.pdf" data-content='{"fileName":"DSGI_Retiree_Packet_Fillable.pdf","fileUrl":"\/content\/download\/150861\/1004226?version=7","downloadUrl":"https:\/\/dms-media.ccplatform.net\/content\/download\/150861\/file\/DSGI_Retiree_Packet_Fillable.pdf","fileSize":"1.05 MB","mimeType":"application\/pdf","linkTitle":"State Group Insurance Benefits Package for New Retirees Fillable","linkText":"State Group Insurance Benefits Package for New Retirees Fillable","linkTarget":null,"linkClass":"","reader":{"name":"Adobe PDF Document","iconUrl":"https:\/\/dms-media.ccplatform.net\/build\/images\/mime_type_icons\/16x16\/pdf.png"}}' target="_blank" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">State Group Insurance Benefits Package for New Retirees</a>. If you do not continue health and life insurance coverage at the time of retirement, you will not be allowed to enroll in state health or life insurance at a later date, unless you return as a benefits-eligible employee.</p><p class="pb-6">As a new retiree, you need to be aware of State Group Insurance benefit options available to you.</p><h3 class="font-extrabold text-blue-400 text-2xl mt-4 mb-4">Health Insurance:</h3><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">You can continue through COBRA for up to 18 months or elect retiree coverage through State Group Insurance.</li></ul><h3 class="font-extrabold text-blue-400 text-2xl mt-4 mb-4">Basic Life Insurance:</h3><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">Choose either the $2,500 or the $10,000 benefit (Dependent Spouse, Dependent Child and Optional Life are not available).</li></ul><h3 class="font-extrabold text-blue-400 text-2xl mt-4 mb-4">Dental and Vision&nbsp;Insurance:</h3><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">You can continue your coverage through COBRA for up to 18 months.</li></ul><h3 class="font-extrabold text-blue-400 text-2xl mt-4 mb-4">Other Supplemental Plans:&nbsp;</h3><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">Contact your insurance company about converting your policy or buying an individual plan.</li></ul><h3 class="font-extrabold text-blue-400 text-2xl mt-4 mb-4">Health Savings Account:</h3><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">Make post-tax contributions until enrolled in Medicare, but the state will no longer make contributions.</li></ul><h3 class="font-extrabold text-blue-400 text-2xl mt-4 mb-4">Healthcare Limited Purpose FSA:&nbsp;</h3><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">You can continue through the end of the calendar year if you pay the balance and complete the form. You can COBRA or complete the When Employment Ends form.</li></ul><h3 class="font-extrabold text-blue-400 text-2xl mt-4 mb-4">Dependent Care FSA:&nbsp;</h3><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">Ends with your last employee payroll deduction, but you can file claims that were incurred before your termination date.</li></ul><h3 class="font-extrabold text-blue-400 text-2xl mt-4 mb-4">HRA - Shared Savings Program</h3><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">For Shared Savings Rewards only. As long as you are enrolled in a State Group Insurance retiree health plan, your HRA will continue and you can continue to deposit earned rewards.</li></ul><h4 class="font-bold text-xl mb-4 leading-6">COBRA</h4><p class="pb-6">The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows employees, retirees, and their families, to continue coverage of health, dental and vision benefits through their employer group plan for limited periods of time under certain circumstances, including:</p>    
    

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<div data-customtag="responsive_column" data-content="&#x7B;&quot;content&quot;&#x3A;&quot;&lt;ul&#x20;class&#x3D;&#x5C;&quot;list-disc&#x20;list-outside&#x20;mb-6&#x20;ml-6&#x5C;&quot;&gt;&lt;li&#x20;class&#x3D;&#x5C;&quot;mb-2&#x5C;&quot;&gt;Death&lt;&#x5C;&#x2F;li&gt;&lt;li&#x20;class&#x3D;&#x5C;&quot;mb-2&#x5C;&quot;&gt;Divorce&lt;&#x5C;&#x2F;li&gt;&lt;li&#x20;class&#x3D;&#x5C;&quot;mb-2&#x5C;&quot;&gt;Other&#x20;life&#x20;events&lt;&#x5C;&#x2F;li&gt;&lt;&#x5C;&#x2F;ul&gt;&quot;,&quot;className&quot;&#x3A;&quot;w-1&#x5C;&#x2F;2&#x20;&quot;&#x7D;" class="responsive_column_ibexa"></div>
<p class="pb-6">Qualified individuals who enroll in&nbsp;<a href="http://www.dol.gov/dol/topic/health-plans/cobra.htm" target="_blank" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">COBRA coverage</a>&nbsp;pay the entire premium plus a 2-percent administrative fee. There is no administrative fee if you elect to continue your HRA through COBRA.</p><h4 class="font-bold text-xl mb-4 leading-6">Making Changes to Your Plan</h4><p class="pb-6">You can make changes to your elections:</p><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/retirees/making_changes_to_your_plan/making_plan_changes_during_open_enrollment" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">During Open Enrollment:</a>&nbsp;Your once-a-year opportunity to make any changes you want.</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/retirees/making_changes_to_your_plan/making_plan_changes_as_a_newly-hired_employee" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">As a New Hire:</a>&nbsp;You have 60 days from your date of hire to enroll.</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/qualifying_status_changes_events_to_make_plan_changes" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Because of a Qualifying Status Change (QSC) event:</a>&nbsp;You can make changes during the plan year only if you experience a QSC event that results in a gain or loss of eligibility. Documentation of certain events is required.&nbsp;</li><li class="mb-2"><a href="#broken-link" class=" broken-link underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Spouse Program:</a>&nbsp;If you and your spouse are state employees, you can participate in the Spouse Program and pay less for health insurance at a reduced premium. To enroll, you must experience an appropriate QSC event and submit a completed Spouse Program Election Form and send it to the People First Service Center or log into your People First account to upload your form. Make online elections in People First to enroll, change or cancel any plan other than health insurance.</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/retirees/surviving_spouse" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Surviving Spouse:</a>&nbsp;If you are the surviving spouse of a state employee or retiree and you were covered under the plan at the time of your spouse&rsquo;s death, you have 60 days to enroll in health insurance coverage. People First will send you an enrollment package upon notification of the death.</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/retirees/making_changes_to_your_plan/when_coverage_begins_and_ends" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">When Coverage Begins and Ends</a></li><li class="mb-2"><a href="#broken-link" class=" broken-link underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Medicare Advantage and Prescription Drug (MA-PD) Plan</a>&nbsp;enrollment is open year-round. &nbsp;</li></ul><h5 class="font-bold text-lg mb-4 leading-6 font-display text-blue-500">&nbsp;Call People First at (866) 663-4735&nbsp;if:</h5><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">You go off state payroll for any reason;</li><li class="mb-2">You or your dependent&nbsp;becomes eligible for Medicare;</li><li class="mb-2">Your dependent becomes&nbsp;ineligible for coverage; or</li><li class="mb-2">Your spouse becomes&nbsp;employed by or ends&nbsp;employment with the state.</li></ul>


MA-PD Comparison Chart 2025

Making Changes to Your Plan

<p class="pb-6">You can make changes to your plan:</p><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2"><a href="#broken-link" title="undefined" class=" broken-link underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">During Open Enrollment:</a>&nbsp;Your once-a-year opportunity to make any changes you want.</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/eligibility_and_enrollment/making_changes_to_your_plan/making_plan_changes_as_a_newly-hired_employee" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">As a New Hire:</a>&nbsp;You have 60 days from your date of hire to enroll.</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/qualifying_status_changes_events_to_make_plan_changes" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Because of a Qualifying Status Change (QSC) event:</a>&nbsp;You can make changes during the plan year only if you experience a QSC event that results in a gain or loss of eligibility. Documentation of certain events is required.&nbsp;</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/eligibility_and_enrollment/making_changes_to_your_plan/spouse_program" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Spouse Program:</a>&nbsp;If you and your spouse are state employees, you can participate in the Spouse Program and pay less for health insurance at a reduced premium. To enroll, you must experience an appropriate QSC event and submit a completed Spouse Program Election Form and send it to the People First Service Center or log into your People First account to upload your form. Make online elections in People First to enroll, change or cancel any plan other than health insurance.</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/eligibility_and_enrollment/making_changes_to_your_plan/surviving_spouse" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Surviving Spouse:</a>&nbsp;If you are the surviving spouse of a state employee or retiree and you were covered under the plan at the time of your spouse&rsquo;s death, you have 60 days to enroll in health insurance coverage. People First will send you an enrollment package upon notification of the death.</li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/eligibility_and_enrollment/making_changes_to_your_plan/when_coverage_begins_and_ends" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">When Coverage Begins and Ends</a></li><li class="mb-2"><a href="https://www.mybenefits.myflorida.com/myhealth/medicare_advantage_and_prescription_drug" target="_blank" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Medicare Advantage and Prescription Drug (MA-PD) Plan</a> enrollment is open year-round.</li></ul>


Medicare

<p class="pb-6">For specific information about Medicare, including eligibility and coverage, visit <a href="http://www.medicare.gov/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">http://www.medicare.gov</a>&nbsp;or call 800-Medicare (800-633-4227). TTY users call 877-486-2048.</p><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2"><strong>General Medicare information:</strong><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2"><strong>Part A</strong> is hospitalization coverage free to most eligible Medicare beneficiaries.</li><li class="mb-2"><strong>Part B</strong> is medical coverage that requires a monthly premium (taken from your Social Security check or paid by personal check).</li><li class="mb-2"><strong>Part C</strong> (Medicare Advantage Plan) is a type of Medicare health plan that contracts with Medicare to provide you with all your Part A and Part B benefits and often includes prescription drug coverage. You must be enrolled in Medicare Part B and you may also be required to send a monthly premium to the insurance company.</li><li class="mb-2"><strong>Part D</strong> is prescription drug coverage that may require a monthly premium (taken from your Social Security check or paid by personal check).</li><li class="mb-2"><strong>Medicare Supplement (Medigap) Plans</strong> sold by private companies can help pay some of the health care costs Medicare doesn't cover, like co-payments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Medicare doesn't cover.</li><li class="mb-2">You may purchase Part B, Part C, Part D or Medigap plans on the private market. If you choose to do so, you should cancel your state group health insurance plan. Remember, once you cancel, you cannot enroll at a later time.</li></ul></li><li class="mb-2"><strong>You are eligible for Medicare (either at retirement or after retiring) and keeping a State Group Insurance health plan:</strong><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2"><strong>Coordinating medical coverage:</strong> When Medicare Part A or Part B pays, your State Group Insurance health plan pays secondary. When Medicare does not pay, your state group health insurance pays primary for covered benefits and services (just like when you were an employee). Florida Blue administers the nationwide PPO secondary plan; Aetna and UnitedHealthcare administer the HMO secondary plans in their respective service areas.<ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2"><strong>If you fail to enroll in Medicare Part B</strong>: You will have significant out&#8208;of&#8208;pocket expenses for Part B eligible services because you will be required to pay the portion (approximately 80 percent) that Medicare would have paid. If you choose to continue your state group health insurance coverage once you&rsquo;re eligible for Medicare, elect your Medicare Part B coverage. Although Medicare does not require you to purchase Part B, it is in your financial interest to do so. This coverage provision also applies to Medicare-eligible dependents on your plan.</li></ul></li><li class="mb-2"><strong>Creditable Coverage for Medicare Part D: </strong>For prescription drug coverage, your state group health insurance pays primary for most prescription drugs. Covered medications, copays and the network remain the same as when you were an employee. If you are enrolled in the state group secondary health insurance, do <strong>not </strong>enroll in a separate Medicare Part D plan. The state&rsquo;s prescription drug coverage is as good as or better than Medicare Part D and is currently approved by Medicare as creditable coverage.</li><li class="mb-2"><strong>Medicare (Retiree) Advantage Plan: </strong>Capital Health Plan offers this plan to state retirees in their respective HMO service areas. To become a member, you must be enrolled in Medicare Parts A and B, complete the HMO&rsquo;s application and receive approval before your retiree health coverage becomes effective. Medicare Advantage Plans do not allow retroactive enrollment and claims can only be paid if you are approved for the plan. Medical and prescription drug coverage are included.</li><li class="mb-2"><strong>Medicare Advantage and Prescription Drug (MA-PD) Plans:</strong>&nbsp;Capital Health Plan offers Retiree Advantage and Retiree Classic MA-PD HMO, and Humana offers a MA-PD HMO and MA-PD PPO plans to state retirees and their dependents. To become a member (you and your dependents) must be enrolled in Medicare Parts A and B and you must send a copy of your Medicare card to the People First Service Center. If your Medicare enrollment cannot be verified before the effective date of your MA-PD plan, you will be moved into the State Group Insurance PPO health plan with Florida Blue. Medicare Advantage Plans do not allow retroactive enrollment, and claims can only be paid if you are approved for the plan. Medical and prescription drug coverage are included. For more information visit the <a href="https://www.mybenefits.myflorida.com/myhealth/medicare_advantage_and_prescription_drug" target="_blank" title="Medicare Advantage and Prescription Drug" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Medicare Advantage and Prescription Drug</a> page.</li><li class="mb-2"><strong>Enrolling in Medicare: </strong>Once you are eligible for Medicare Part A and Part B due to age (65) or disability and no longer working, you should contact the Social Security Administration (SSA) about your Medicare benefits. Enrollment in Medicare is time sensitive and you may be subject to substantial financial penalties if you fail to meet federal deadlines. Contact your local SSA office three months before your 65th birthday: call 800&#8208;MEDICARE (800&#8208;633&#8208;4227), or visit <a href="https://www.medicare.gov/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">www.Medicare.gov</a> for more information. TTY users call 877-486&#8208;2048.</li><li class="mb-2"><strong>Enrolling in state group Medicare secondary coverage or a Medicare advantage plan: </strong>the state offers three Medicare coverage tiers when you or a dependent is Medicare eligible:<ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">Medicare I: a single policy for you</li><li class="mb-2">Medicare II: a family policy for you and your eligible dependents and at least one is eligible for Medicare. (<em>If enrolling in an MA-PD plan all members covered under your family policy must be enrolled in Medicare.</em>)</li><li class="mb-2">Medicare III: a family policy for you and one dependent and you are both Medicare eligible</li></ul></li></ul></li><li class="mb-2"><strong>You do not meet Medicare eligibility requirements: </strong>If you have not worked enough quarters to be eligible for Medicare at age 65, call the Social Security Administration and request an ineligibility letter. Please send a copy of that letter immediately to People First to ensure your health insurance coverage continues without interruption. Mail or fax copies of Medicare documentation with your People First ID number to:&nbsp; &nbsp;People First Service Center<br>PO Box 6830<br>Tallahassee, FL 32314&nbsp;</li></ul>


Resources

Retiree Contact Information

<p class="pb-6">Below you will find a listing of insurance providers sorted into their coverage categories:</p><p class="pb-6">Download the company&rsquo;s free mobile app, if available, found at the&nbsp;<a href="https://itunes.apple.com/app/apple-store/id375380948?mt=8" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">App Store</a>&nbsp;or&nbsp;<a href="https://play.google.com/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Google Play</a>.</p><p class="pb-6">Need help? Call the insurance company if you have questions about what&rsquo;s covered or about network providers and other plan benefits. Call People First about premiums, eligibility or enrollment.</p><h2 style="text-align:center;" class="font-bold text-3xl mt-6 mb-4 leading-10 font-display">Retiree Contact Information</h2><table class="table table_ibexa_content border-collapse table-auto text-sm my-6 inline-table overflow-x-auto w-full max-w-full shadow-xl border border-blue-500"><thead><tr><th colspan="4" class="font-bold p-4 text-left text-white bg-blue-500 leading-[1.5]"><h4 class="font-bold text-xl mb-4 leading-6">Health and Life</h4></th></tr></thead><tbody class="w-full"><tr><td class="p-4">&nbsp;</td><td class="p-4"><p style="text-align:center;" class="pb-6"><strong>Plan Types</strong></p></td><td class="p-4"><p style="text-align:center;" class="pb-6"><strong>Phone</strong></p></td><td class="p-4"><p style="text-align:center;" class="pb-6"><strong>Website</strong></p></td></tr><tr><td class="p-4"><strong>Capital Health Plan MA-PD</strong></td><td class="p-4">HMO Plan (Medical)</td><td class="p-4">850-383-3311</td><td class="p-4"><a href="https://capitalhealth.com/state" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">CapitalHealth.com/state</a></td></tr><tr><td class="p-4"><strong>Humana MA-PD</strong></td><td class="p-4">HMO Plan (Medical)</td><td class="p-4">800-555-7997, TTY 711</td><td class="p-4"><a href="https://our.humana.com/sof" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Our.Humana.com/sof</a></td></tr><tr><td class="p-4"><strong>MetLife - Life</strong></td><td class="p-4">Basic, Optional, and Dependent Life</td><td class="p-4">844-222-9104</td><td class="p-4"><a href="https://www.metlife.com/info/stateoffl/support/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Metlife.com/info/stateofFL/support</a></td></tr></tbody></table><table class="table table_ibexa_content border-collapse table-auto text-sm my-6 inline-table overflow-x-auto w-full max-w-full shadow-xl border border-blue-500"><thead><tr><th colspan="4" class="font-bold p-4 text-left text-white bg-blue-500 leading-[1.5]"><h4 class="font-bold text-xl mb-4 leading-6"><strong>Other</strong></h4></th></tr></thead><tbody class="w-full"><tr><td class="p-4">&nbsp;</td><td class="p-4"><strong>Plan Types</strong></td><td class="p-4"><strong>Phone</strong></td><td class="p-4"><strong>Website</strong></td></tr><tr><td class="p-4"><strong>Acentra Health</strong></td><td class="p-4">Employee Assistance Program (EAP)</td><td class="p-4"><p class="pb-6">833- 746-8337</p><p class="pb-6">TTY: 877- 334-0499</p></td><td class="p-4"><p class="pb-6"><a href="https://www.mylifeexpert.com/" target="_blank" title="https://www.mylifeexpert.com/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">MyLifeExpert.com</a></p><p class="pb-6"><strong>Company Code: FLORIDA</strong></p><p class="pb-6">For more information, click the EAP link on your People First home page.</p></td></tr><tr><td class="p-4"><strong>Chard Snyder</strong></td><td class="p-4">Health Savings, Spending, and&nbsp; Reimbursement Accounts</td><td class="p-4">855-824-9284 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</td><td class="p-4"><a href="https://www.MyBenefits.MyFlorida.com" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">MyBenefits.MyFlorida.com</a></td></tr><tr><td class="p-4"><strong>COBRA</strong></td><td class="p-4">Temporary Continuation of Group Health Coverage</td><td class="p-4">866-444-3272 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</td><td class="p-4"><a href="https://www.dol.gov/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">DOL.gov</a></td></tr><tr><td class="p-4"><strong>Financial Future</strong></td><td class="p-4">Information for Financial Options</td><td class="p-4">See website</td><td class="p-4"><a href="https://www.mybenefits.myflorida.com/financial_future/financial_future_contacts" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">MyBenefits.MyFlorida.com</a></td></tr><tr><td class="p-4"><strong>FRS Investment Plan</strong></td><td class="p-4">Alight Solutions</td><td class="p-4">866-446-9377<br>Option 4</td><td class="p-4"><a href="https://www.myfrs.com" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">MyFRS.com</a></td></tr><tr><td class="p-4"><strong>FRS Online</strong></td><td class="p-4">Deferred Retirement Option Program (DROP), Pension Plan, and Retirees</td><td class="p-4">844-377-1888</td><td class="p-4"><a href="https://frs.fl.gov" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">FRS.fl.gov</a></td></tr><tr><td class="p-4"><strong>FRS Pension Plan</strong></td><td class="p-4">Division of Retirement</td><td class="p-4">844-377-1888</td><td class="p-4"><a href="https://frs.myflorida.com/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">FRS.MyFlorida.com</a></td></tr><tr><td class="p-4"><strong>Lantern</strong></td><td class="p-4">Bundle Planned Surgical Procedure</td><td class="p-4">844-752-6170</td><td class="p-4"><a href="https://my.lanterncare.com/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">my.LanternCare.com</a></td></tr><tr><td class="p-4"><strong>MyFRS</strong></td><td class="p-4">Financial Guidance and Planning, Investment Plan</td><td class="p-4">866-446-9377</td><td class="p-4"><a href="https://MyFRS.com" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">MyFRS.com</a></td></tr><tr><td class="p-4"><p class="pb-6"><strong>People First</strong></p><p class="pb-6"><strong>Address Correction:</strong> It is extremely important for you to keep your address updated in People First. If your address is not current, you may not receive important information, such as benefit plan changes and proof of your insurance coverage. A current address ensures you receive your State Group Insurance information, including benefit plan documents and changes, member identification cards, proof of insurance coverage, etc.</p></td><td class="p-4"><p class="pb-6">Call for help or enroll online</p><p class="pb-6"><strong>Official Email Communications from:</strong><br>PeopleFirstNoReply@<br>NGAhosting.com<br><br><strong>Mail Documents to:</strong><br>People First Service Center<br>P.O. Box 6830<br>Tallahassee, FL 32314<br><br><strong>Mail Payments to:</strong><br>People First Service Center<br>P.O. Box 5437<br>Tallahassee, FL 32314</p></td><td class="p-4">866-663-4735 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</td><td class="p-4"><a href="https://peoplefirst.myflorida.com/" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">PeopleFirst.MyFlorida.com</a>&nbsp;</td></tr><tr><td class="p-4"><strong>Social Security Administration</strong></td><td class="p-4">Enroll and questions about Medicare</td><td class="p-4">800-633-4227</td><td class="p-4"><a href="https://www.Medicare.gov" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Medicare.gov</a></td></tr><tr><td class="p-4"><strong>Social Security Disability - Medicare</strong></td><td class="p-4">Disability advocacy</td><td class="p-4">800-805-8329</td><td class="p-4">Email: <a href="mailto:Disability@PCGus.com" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Disability@PCGus.com</a></td></tr></tbody></table><p class="pb-6">&nbsp;</p>


Retiree Forms

<p class="pb-6">This page provides a complete list of the forms available to retirees.</p><table class="table table_ibexa_content border-collapse table-auto text-sm my-6 inline-table overflow-x-auto w-full max-w-full shadow-xl border border-blue-500"><tbody class="w-full"><tr><td class="p-4"><a href="https://frs.fl.gov/forms/HIS-Packet_IP.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">HIS Packet-Investment Plan</a> [ Adobe PDF Document ]</td><td class="p-4">Packet containing all the forms needed for Investment Plan members to apply for the Health Insurance Subsidy including the HIS-IP and HIS-IP-2</td></tr></tbody></table><h2 style="text-align:center;" class="font-bold text-3xl mt-6 mb-4 leading-10 font-display">Individual Retirees Forms</h2><table class="table table_ibexa_content border-collapse table-auto text-sm my-6 inline-table overflow-x-auto w-full max-w-full shadow-xl border border-blue-500"><thead><tr><th class="font-bold p-4 text-left text-white bg-blue-500 leading-[1.5]"><strong>Form ID</strong></th><th class="font-bold p-4 text-left text-white bg-blue-500 leading-[1.5]"><strong>Form Description</strong></th></tr></thead><tbody class="w-full"><tr><td class="p-4"><a href="https://frs.fl.gov/forms/addch-1.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">ADDCH-1</a> [ Adobe PDF Document ]</td><td class="p-4">Mailing Address Change Request Form - <em>FRS Pension Payment Recipients Only</em></td></tr><tr><td class="p-4"><a href="https://frs.fl.gov/forms/frs-tar.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">FRS-TAR</a> [ Adobe PDF Document ]</td><td class="p-4">Information about FRS Pension Plan Termination and Reemployment after Retirement</td></tr><tr><td class="p-4"><a href="https://frs.fl.gov/forms/FRS-TAR_IP.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">FRS-TAR-IP</a> [ Adobe PDF Document ]</td><td class="p-4">Information about FRS Investment Plan Termination and Reemployment after Retirement</td></tr><tr><td class="p-4"><a href="https://frs.fl.gov/forms/fst-12.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">FST-12</a> [ Adobe PDF Document ]</td><td class="p-4">Beneficiary Designation Form - Retired Members and DROP Participants</td></tr><tr><td class="p-4"><a href="https://frs.fl.gov/forms/HIS-1.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">HIS-1 Optional</a> [ Adobe PDF Document ]</td><td class="p-4">Optional FRS Health Insurance Subsidy Certification for Pension Plan Members</td></tr><tr><td class="p-4"><a href="https://frs.fl.gov/forms/his-ip.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">HIS-IP Optional</a> [ Adobe PDF Document ]</td><td class="p-4">FRS Application for Health Insurance Subsidy for Investment Plan Members</td></tr><tr><td class="p-4"><a href="https://frs.fl.gov/forms/his-ip-2.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">HIS-IP-2 Optional</a> [ Adobe PDF Document ]</td><td class="p-4">FRS Health Insurance Subsidy Certification for Investment Plan Members</td></tr><tr><td class="p-4"><a href="https://frs.fl.gov/forms/SAPS.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">SAPS</a> [ Adobe PDF Document ]</td><td class="p-4">Statement Attesting to Payee Status</td></tr><tr><td class="p-4"><a href="https://frs.fl.gov/forms/W-4P.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">W-4P</a> [ Adobe PDF Document ]</td><td class="p-4">Withholding Certificate for Pension Payments</td></tr><tr><td colspan="2" class="p-4"><a href="https://frs.fl.gov/forms/POA_affidavit_agent.pdf" target="_blank" title="undefined" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Power of Attorney cover letter and affidavit for agents</a> [ Adobe PDF Document ]</td></tr></tbody></table>


Retirement Guides

<h2 style="text-align:center;" class="font-bold text-3xl mt-6 mb-4 leading-10 font-display"><strong>Member Handbook</strong></h2><p class="pb-6"><a href="https://frs.fl.gov/forms/member_handbook.pdf" target="_blank" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Member Handbook</a> [ Adobe PDF Document ]&nbsp;- Guide to retirement benefits provided for members of the FRS Pension Plan.</p><h2 style="text-align:center;" class="font-bold text-3xl mt-6 mb-4 leading-10 font-display"><strong>Ready. Set. Retire.</strong></h2><p class="pb-6"><a href="https://frs.fl.gov/forms/ready_set_retire.pdf" target="_blank" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Ready. Set. Retire.</a> [ Adobe PDF Document ] - It's your responsibility as an FRS Pension Plan member to apply for retirement benefits with the Division. This guide outlines the steps you need to take to ensure a smooth application process.&nbsp;</p><p class="pb-6">Once you retire and begin receiving monthly benefits, this guide also provides important details on several topics:&nbsp;</p><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">Federal Withholding Taxes: Information on how federal taxes are withheld from your monthly benefit payments.&nbsp;</li><li class="mb-2">Direct Deposit: Instructions for setting up direct deposit for your monthly benefits.&nbsp;</li><li class="mb-2">Health Insurance Subsidy: Details on the health insurance subsidy program.&nbsp;</li><li class="mb-2">Reemployment: Guidelines and rules regarding reemployment after you've retired.&nbsp;</li></ul><h2 style="text-align:center;" class="font-bold text-3xl mt-6 mb-4 leading-10 font-display"><strong>DROP</strong></h2><p class="pb-6"><a href="https://frs.fl.gov/forms/DROP-Guide.pdf" target="_blank" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Deferred Retirement Option Program (DROP)</a> [ Adobe PDF Document ]&nbsp;- Guide that discusses potential advantages and disadvantages of the FRS DROP, explains program participation requirements, answers commonly asked questions and provides examples.</p><h2 style="text-align:center;" class="font-bold text-3xl mt-6 mb-4 leading-10 font-display"><strong>Disability Benefits</strong></h2><p class="pb-6"><a href="https://frs.fl.gov/forms/disability.pdf" target="_blank" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Disability Benefits</a> [ Adobe PDF Document ]&nbsp;- Guide that informs members of the FRS Pension Plan and Investment Plan of the process and requirements of applying for disability retirement benefits.</p><h2 style="text-align:center;" class="font-bold text-3xl mt-6 mb-4 leading-10 font-display"><strong>Survivor Benefits</strong></h2><p class="pb-6"><a href="https://frs.fl.gov/forms/survivor.pdf" target="_blank" class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Survivor Benefits</a> [ Adobe PDF Document ]&nbsp;- Guide that informs members of the FRS Pension Plan and Investment Plan about survivor benefit coverage and eligibility.</p>


Surviving Spouse

<p class="pb-6">Surviving spouses are also eligible for coverage. The term &ldquo;surviving spouse&rdquo; means the widow or widower of:</p><ul class="list-disc list-outside mb-6 ml-6"><li class="mb-2">A deceased state officer, state employee (including OPS/variable-hour employees) or retiree if the spouse was covered as a dependent at the time of the participant&rsquo;s death;</li><li class="mb-2">An employee or retiree who died before July 1, 1979;</li><li class="mb-2">A retiree who retired before Jan. 1, 1976, under any state retirement system and who is not eligible for any Social Security benefits.</li></ul><p class="pb-6">The surviving spouse and dependents, if any, must have been covered at the time of the participant&rsquo;s death. To enroll, the surviving spouse has 60 days to notify the People First Service Center of the death and 60 days to enroll after receipt of the enrollment package. Coverage is effective retroactively once the enrollment form and premiums have been received. Coverage begins the first of the month following the last month of coverage for the deceased; in other words, coverage must be continuous.</p><p class="pb-6">Coverage for surviving spouses ends on the first of the month following remarriage; however, they are eligible to continue coverage under COBRA for a limited time, provided they send a copy of the marriage certificate within 60 days of the marriage to People First.</p><p class="pb-6"><a href="/content/download/122570/file/Surviving%20Spouse%20Form%20on%20web.pdf" data-content='{"fileName":"Surviving Spouse Form on web.pdf","fileUrl":"\/content\/download\/122570\/665503?version=11","downloadUrl":"https:\/\/dms-media.ccplatform.net\/content\/download\/122570\/file\/Surviving%20Spouse%20Form%20on%20web.pdf","fileSize":"540.79 KB","mimeType":"application\/pdf","linkTitle":"Surviving Spouse Election Form","linkText":"Surviving Spouse Election Form","linkTarget":null,"linkClass":"","reader":{"name":"Adobe PDF Document","iconUrl":"https:\/\/dms-media.ccplatform.net\/build\/images\/mime_type_icons\/16x16\/pdf.png"}}' class="underline text-blue-500 transition-colors ease-in-out duration-500 hover:text-blue-400">Surviving Spouse Election Form</a></p>
