Pre-65 Coverage

Retirees between the Ages of 62 and 65

The medical coverage for retirees between the ages of 62 and 65 is a continuation of the same plans available to active faculty and staff. The medical plans are administered by UPMC Health Plan. View a full Summary Guide of Benefits.

Option to Change or Terminate Coverage

Participants have the option to disenroll from the University’s sponsored coverage and elect to take the defined dollar benefit (DDB) credits at any time at age 62 or older. However, once you elect to take DDB credits, you do not have the option to revert back to the University's pre-65 coverage on a cost sharing basis. The plans will be available to you but you must apply the DDB credits against the full cost of coverage.

Changes in elections may be made if you have a family status change that includes a gain or loss of employment, divorce, removal of a dependent, death of a spouse, relocation, etc.

Retirees between 62 and 65 will not notice any significant changes in health-related benefit coverages. The coverages and any changes are listed below.

Medical Plans

Medical coverage for retirees between 62 and 65 remains the same. Contributions, which are now paid on an after-tax basis, also remain the same as an active faculty and staff member. Learn more about medical plans.

Dental and Vision Plans

Dental and vision coverage for retirees between 62 and 65 remains the same. Contributions, which are now paid on an after-tax basis, also remain the same as an active faculty and staff member. Learn more about dental plans and vision plans.

Long Term Care/Disability Benefits

Disability coverage is discontinued upon retirement, however there are some exceptions in regards to long-term disability coverage. Long term care insurance coverage may continue as long as you continue to pay the premium directly to Unum. Learn more about long term care coverage.

Life Insurance

  • Basic Life Insurance: Eligible retirees receive $1500 for each year of service up to a maximum of $15,000
  • Optional Life Insurance: It is “portable” which means you have the ability to continue optional life insurance at group rates. No medical underwriting is required.

Learn more about life insurance and surviving family coverage options.

Retirement Savings

As a pre-65 retiree, you may leave any assets in your retirement account.