Waukesha County Employee Guide to Retirement

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WELCOME TO THE WAUKESHA COUNTY EMPLOYEE GUIDE TO RETIREMENT

The idea of retirement and all the decisions that you have to make when thinking about the next

stages of your life can be complicated and overwhelming. We’ve created the Waukesha County

Employee Guide to Retirement to assist you as you work your way to a well-deserved retirement.

Knowing where and how to start the planning process can be the first challenge. The purpose of

this guide is to give you that starting point with information and resources to assist your planning

process. Every employee is unique, personal situations vary, so taking time to understand the

Waukesha County retirement benefits along with outside benefits like Medicare and Social Security

is important.

Throughout your planning process, you can refer to this guide. This guide contains a retirement

process timeline, frequently asked questions, and numerous links to online resources like

retirement calculators, videos, checklists, and other educational information.

At some point, you will want to meet with a member of the Human Resources team to talk in more

detail. We strongly encourage you to spend time reading this guide prior to that meeting. Taking

the time to understand your benefits and retirement options will make your journey into retirement

less stressful and more enjoyable.

Your Waukesha County Human Resources Team

Main Office Phone: 262-548-7044

Internet: www.waukeshacounty.gov/retiree

http://www.waukeshacounty.gov/retiree

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DISCLAIMER:

Please note the information in this guidebook is intended to be a resource for employees and represents a summary of county policies and insurance contracts. County policies and insurance plans may change. The specific contracts and plan

documents govern.

1. General Information 4

2. Wisconsin Retirement System 8

3. Social Security 10

4. Deferred Compensation 13

5. Retirement Health Savings Account 14

6. Health Care FSA 16

7. Health Savings Account 17

8. Health Insurance 18

9. Medicare 23

10. Dental Insurance 27

11. Vision Insurance 28

12. Life Insurance 29

13. Other Compensation 31

14. Employee Assistance Program (EAP) 32

15. Resources 33

16. 2019 Retiree and COBRA Insurance Costs 38

ARE THERE MINIMUM AGE AND YEARS

OF SERVICE REQUIREMENTS, THAT

MUST BE MET TO BE ELIGIBLE FOR

COUNTY RETIREMENT BENEFITS AND

THE PENSION PROVIDED THROUGH THE

WISCONSIN RETIREMENT SYSTEM?

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Yes, there are different requirements that

must be met for both County and Wisconsin

Retirement System (WRS) benefits.

For an employee to qualify for certain

County retiree benefits you must receive an

annuity from the Wisconsin Retirement

System and meet certain age and years of

service requirements. See the

requirements as outlined below.

COUNTY RETIREMENT BENEFITS:

Health

Insurance:

• Minimum age 55 and receive annuity

from WRS.

• Protective service minimum age is 50.

• You must be enrolled in health

insurance before retiring.

Life

Insurance:

• Age 65 or Age 55 with 20 years of

creditable service with the WRS.

• Protective service minimum age is

age 50 with 20 years of service.

Vision

Insurance:

• Minimum age 55 and receiving

annuity from WRS.

• Protective service minimum age is 50.

• Retirees must be enrolled in the

Waukesha County Retiree Choice

Plus health plan. Vision coverage

ends when you reach Medicare

eligibility.

RHS/Sick

Leave

Conversion

• Age 65 or age 55 with twenty (20)

years of creditable service, will

receive a contribution into their

Retirement Health Savings plan

equivalent to 65% of their sick leave

accumulation.

• Protective employees age 53 with 25

or more years of service or age 54

with less than 25 years of service

• Regular part-time employees who

retire at age 65 or age 55 with ten

(10) years of creditable service, will

receive a contribution into their

Retirement Health Savings Plan

equivalent to 65% of their sick leave

accumulation.

There is no simple “one size fits all”

answer. It depends on your individual

financial situation. While you will have a

pension with the WRS, you may also have

other investments, which influence your

decision. There are a variety of factors

that will affect when the optimal time to

retire is. One resource to educate

yourself further is a short webinar on the

WRS internet site, “When Should I Retire”

This webinar can be found in the

Educational Resources section of the

WRS website, http://etf.wi.gov/. Look for

this under the Member Education tab.

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IS THERE A “BEST” TIME OF YEAR TO

RETIRE—IS IT BETTER TO RETIRE AT THE

BEGINNING OF THE YEAR, END OF THE

YEAR, OR SOME OTHER TIME?

Under the Wisconsin Retirement System, you may need

to have a minimum number of years vested in order to

receive an annuity.

If you began employment on or after July 1, 2011, you

must have five (5) years of WRS creditable service. If

you began employment prior to this date, you are vested

when you first began employment and were eligible to

be enrolled in the WRS. If you are not vested, you will

only receive a separation benefit.

If you are eligible to receive a pension annuity, the WRS

establishes the age and years of service requirement

based on a pension category associated with the

employee’s job. Most employees are in the General

category and law enforcement employees are in the

Protective category. The normal and minimum

retirement ages are listed below.

Normal Retirement Age:

General: Age 65

Protective: Age 54 or 53 with at least 25 years of

service

Minimum Retirement Age:

General: Age 55

Protective: Age 50

Note: the pension you receive is based on a variety of

factors, not just age.

WRS PENSION:

CHAPTER 1: GENERAL INFORMATION

http://etf.wi.gov/

HOW DO I KNOW IF I HAVE ENOUGH

MONEY TO RETIRE?

The answer to this question will vary by

person. You are encouraged to spend

time determining what your retirement

income sources are such as, pension,

social security, deferred compensation,

income from part time work, spousal

income, other investments, etc. You

should also spend time assessing your

retirement expenses. For many

employees their post-employment

expenses are not the same as when they

are working. Some employees may want

to work with a financial planner to develop

a retirement budget and financial forecast.

In addition, there are many other

worksheets, planners, and guides

available on the websites of the WRS,

ICMA-RC, and from other resources. It is

important that you take the time to

develop an overall retirement plan.

I AM NOT SURE IF I AM READY TO

RETIRE. WHAT ARE SOME OF THE

PRELIMINARY STEPS I NEED TO DO IN

ORDER TO HELP ME UNDERSTAND

WHETHER IT IS POSSIBLE FOR ME TO

RETIRE?

Many factors go into determining a

person’s readiness to retire, some of

which are financial and others are social.

It is important for you to take the time to

gather information and plan. If you are

thinking of retiring in the next year or so,

you may want to start with the following:

ASSESS YOUR INCOME. What are my

income sources? For example: WRS-

Pension; Social Security; Deferred

Compensation; Investments; Other

employment.

ASSESS YOUR EXPENSES. What are my

expenses and what are my retirement

goals? For example: Health Insurance;

Life Insurance; Long Term Care;

Mortgage, Taxes, Household and Utilities;

Travel and Entertainment.

EVALUATE. Estimate the social and

lifestyle impacts of retirement. To assist

WHEN I HAVE MADE MY DECISION TO

RETIRE, IS THERE A GENERAL TIMELINE ISHOULD FOLLOW IN ORDER TO ENSURE

THAT I HAVE EVERYTHING IN PLACE

PRIOR TO MY RETIREMENT?

Your planning should begin at least one to

two years prior to the date you anticipate

retiring. Proper planning and assessment

is beneficial to a successful transition from

employment to an enjoyable retirement.

General guidelines to consider are

available on the following page.

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2 YEARS AWAY

• Assess your financial well-being and develop a general plan. Begin to review your

financial status using on-line retirement calculators that are available at the WRS,

ICMA, Social Security, etc. Start to think about how retirement will affect your

income, expenses, and lifestyle.

1 YEAR AWAY

• Meet with ICMA-RC representatives to review your deferred compensation

investment options.

• Educate yourself on retiree health plan options. Look at the plan costs and benefits.

Information is available on the County Intranet site. See Chapter 8 – Health

Insurance for more details.

• Request an initial retirement estimate from the WRS.

• Talk to WRS if you wish to buy back years of forfeited service.

• Review your insurance needs: Health, Life, Disability, Long Term Care, etc.

• Attend a webinar or watch a video from the WRS on this topic.

• Update your financial forecast and budget.

6 MONTHS

• Meet with your supervisor and manager to provide information on your pending

retirement date in order to ensure a successful transition is in place.

• Update all your beneficiary records.

• Schedule an appointment with the WRS to review your benefit options.

• Schedule an appointment with HR to have a general retirement planning session.

3 MONTHS

• Return WRS estimate/application to WRS.

• Contact Social Security if you wish to start benefits.

• Contact Social Security to start Medicare benefits if eligible.

1 MONTH

• Schedule a meeting with HR to complete the necessary forms and documents.

• Choose benefits you wish to continue.

• Return election forms to Human Resources.

RETIREMENT TIMELINE

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WHEN SHOULD I RETIREE?

This is a personal choice. People chose

their date for various reasons. They want

to retire on their birthday, their work

anniversary, because it is summer, or

because it is the end of the year. One

resource to educate yourself further is a

short webinar on the WRS internet site.

“When Should I Retire” This webinar can

be found in the Educational Resources

section of the WRS website.

http://etf.wi.gov/. Look for this under the

Member Education tab.

A couple things to keep in mind about the

date you choose. In most cases, you will

want to work the majority of the days of

the month. That’s one day more than half.

That would normally occur on the 15th,

16th or 17th of the month. There are

several reasons to pick one of these

dates.

First, you will be able to continue your

health insurance until the end of the

month. If you leave before the majority of

the days in the month, your insurance will

end on your last day. For example, if you

leave on the 5th of the month, your

insurance ends on the 5th of the month.

Second, you will earn another vacation

day for that month. Third, you will earn

another sick day. Lastly, you will receive

an additional contribution to your

Retirement Health Savings (RHS)

account.

WHAT HAPPENS TO MY BENEFITS SUCH

AS HEALTH, DENTAL, LIFE, VISION, AND

DISABILITY INSURANCE, SICK LEAVE,VACATION ETC.?

Certain benefits continue and others end

upon your retirement. Currently, retirees

are eligible to participate in health, dental,

vision and life insurance plans if they meet

the eligibility requirements and pay the full

cost of the premiums. Other insurance

benefits such as long-term disability

insurance, and dependent life insurance

end when you retire. As a retiree, you no

longer earn vacation and sick leave. You

may be eligible for the payout of vacation

and the receipt of a portion of your sick

leave into your Retirement Health Savings

(RHS) account. Refer to Chapter 5 –

Retirement Health Savings Account for

more details.

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http://etf.wi.gov/

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A retirement is a voluntary separation

from regular County employment when an

employee meets one of the following

criteria:

• Enrolled in the general employee

portion of the Wisconsin Retirement

System (WRS), has attained the age of

55 and is vested, or

• Enrolled in the protective service

portion of the WRS, has attained the

age of 50 and is vested, or

• Applies for and receives a disability

retirement under the WRS.

Normal Retirement Age:

• Enrolled in General Employee category

of the Wisconsin Retirement System

(WRS) and have attained the age of 65

and is vested.

• Enrolled in the protective service

portion of the WRS, has attained the

age of 54 or age 53 with 25 years of

coverage and is vested.

AM I VESTED?

If you began WRS employment after

07/01/2011, you must have five (5) years

of WRS creditable service. If you were

hired prior to 07/01/2011, you are vested.

WHEN DO I RETURN MY

ESTIMATE/APPLICATION TO WRS?

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You may only receive a separation

benefit.

WRS recommends that you request a

retirement estimate/application six to

twelve months before your anticipated

retirement date. This estimate/application

is good for one year.

You can go online at etf.wi.gov or call the

WRS toll-free number at 877-533-5020.

WRS will ask for a retirement date. If you

are not sure of your actual date, you will

need to give them an approximate date.

This is how WRS bases the estimate. It

will normally take 4-6 weeks to receive

your estimate.

You should return your application, along

with your beneficiary designation form to

the WRS 60-90 days prior to your

retirement date. WRS uses your last

physical day at work as your retirement

date. WRS payments are made directly to

the financial institution of your choice. Be

sure to include your banking information

on the form.

HOW DO I REQUEST AN

ESTIMATE/APPLICATION?

WHEN SHOULD I REQUEST A

RETIREMENT ESTIMATE?

DO I QUALIFY AS A WRS RETIREE TO

RECEIVE A PENSION FROM THE WRS?WHAT HAPPENS IF I AM NOT VESTED?

CHAPTER 2: WISCONSIN RETIREMENT SYSTEM

WHAT IF I TOOK A SEPARATION

BENEFIT DURING MY CAREER?

If you took a separation benefit, you

forfeited the creditable service you

earned. You can purchase credit for this

forfeited service if you meet the eligibility

requirements.

If you have creditable service to buy, you

should request cost information at least a

year before you plan to retire.

If you have pre-tax monies in a qualified

retirement plan other than the WRS, you

may be eligible to directly transfer those

funds to the WRS to pay for your service

purchase. This includes qualified plans

under sections 401(a), 401(k), 403(b) and

457(b). You will not create an immediate

tax liability on the monies transferred from

the outside qualified retirement plan to the

WRS to buy WRS creditable service.

CAN I RECEIVE CREDIT FOR MILITARY

SERVICE?You might be eligible for WRS creditable

service for periods of active military

service if you meet certain eligibility

requirements. A maximum of four years

of military service can be credited. Please

contact the WRS to discuss further.

CAN I RETURN TO WORK AFTER MY

RETIREMENT?

You can work immediately anywhere,

except at a WRS employer. If you wish to

work at a WRS employer, you must have

a minimum of a 75-day break in WRS

employment. After the 75-day break in

service, you could return to WRS

employment as a re-hired annuitant or

stop your pension and return to the

workforce as an active WRS participant.

There are many ways to get information:

• WRS website: www.etf.wi.gov

• Toll-free number: 877-533-5020

• Set up a one-on-one meeting with a WRS

representative by calling 877-533-5020

ext. 65717

• There are also many webinars to watch at

http://www.etf.wi.gov/member_education.htm

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HOW CAN I FIND OUT MORE

INFORMATION ABOUT THE WRS AND MY

BENEFITS THROUGH WRS?

http://www.etf.wi.gov/

http://www.etf.wi.gov/member_education.htm

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HOW AND WHERE DO I START TO GET

INFORMATION ABOUT SOCIAL SECURITY

BENEFITS AND HOW IT AFFECTS MY

RETIREMENT DECISION?Social Security is one of the main

components which you can use to build a

secure retirement. The three major

elements of your retirement portfolio are:

• Social Security

• Pensions

• Savings and investments

Most financial advisors say you will need

about 70 percent of your pre-retirement

earnings to comfortably maintain your pre-

retirement standard of living. If you have

average earnings, your Social Security

retirement benefits will replace only about

40 percent. The percentage is lower for

people in the upper income brackets and

higher for people with low incomes. You

will need to supplement your social

security benefits with a pension, savings,

or investments.

The first place to start is the Social

Security Administration website

(www.ssa.gov). The website has an

extensive list of tools and resources and a

retirement planner. The planner will tell

you how to qualify and estimate your

benefits.

You may also wish to view the Retirement Toolkit available

at: https://www.dol.gov/sites/default/files/ebsa/about-

ebsa/our-activities/resource-center/publications/retirement-

toolkit.pdf

AT WHAT AGE SHOULD I START

RECEIVING MY SOCIAL SECURITY

RETIREMENT BENEFITS?

Your monthly retirement benefit will be

higher if you delay claiming it. You can

start receiving your retirement benefit as

early as age 62, or as late as age 70. If

you claim benefits early, before your full

retirement age your monthly amount will

be reduced. On the other hand, if you

delay claiming your benefit, your monthly

amount will increase for each month of

delay. These adjustments are permanent

for the rest of your life.

A Retirement Age Calculator can be found here:

www.ssa.gov/planners/retire/ageincrease.

html

The increases from delaying your benefit

can be significant. For example, a worker

with a $1,000 benefit at her full retirement

age of 66 would receive $750 a month if

she starts her benefit at age 62 or $1,320

a month if she delays until age

70. Married couples have two lives to

plan for. If you are the higher earner,

delaying starting your retirement benefit

means higher monthly benefits for the rest

of your life and higher survivor protection

for your spouse, if you die first.

Deciding when to start receiving your

retirement benefit is a highly personal

decision, based on many factors that may

be unique to each individual. For

example, in addition to the monthly benefit

amount, you may want to consider

personal and family circumstances,

including whether you are working or plan

to work, current and future financial

resources and obligations, and current

and anticipated health and longevity.

For additional information on when to start receiving

benefits visit: https://www.ssa.gov/pubs/EN-05-

10147.pdf

Choosing when to start receiving your

Social Security retirement benefits is an

important decision that affects your

monthly benefit amount for the rest of your

life.

CHAPTER 3: SOCIAL SECURITY

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http://www.ssa.gov/

https://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-activities/resource-center/publications/retirement-toolkit.pdf

http://www.ssa.gov/planners/retire/ageincrease.html

https://www.ssa.gov/pubs/EN-05-10147.pdf

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WHAT IS MY FULL RETIREMENT AGE?

If you were born during or after 1943, your

full retirement age will range between age

66 through age 67.

To find your full retirement age, visit:

https://www.ssa.gov/planners/retire/ageinc

rease.html

CAN I TAKE EARLY RETIREMENT?

You can take early retirement at age 62,

but be aware that your benefit will be

reduced. For example, if you retire at age

62, your benefit would be about 30%

lower than what it would be if you waited

until you reach full retirement age.

WHEN SHOULD I APPLY FOR SOCIAL

SECURITY BENEFITS?

You should apply for benefits about three

(3) months before the date you want your

benefits to start. You can apply for

retirement benefits online at www.ssa.gov

or call the toll-free number at 800-772-

1213. You can also make an appointment

to visit any Social Security Office to apply

in person.

HOW DO I APPLY FOR SOCIAL SECURITY

BENEFITS AND WHAT DOCUMENTS WILL

I NEED TO PROVIDE?You can apply online, by phone, or in

person. Social Security will need to see

certain documents in order to pay

benefits. If you apply online, a list of

documents Social Security needs to see

will appear at the end of the application,

along with instructions on where to submit

them. The information or documents they

may ask for are:

• Your Social Security number

• Your birth certificate (If you do not

have a birth certificate, you can get

one from the state where you were

born).

• Your W-2 forms or self-employment

tax return for last year

• Your military discharge papers if you

had military service

• Your spouse's birth certificate and

Social Security number if they are

applying for benefits

• Children's birth certificates and Social

Security numbers, if they're applying

for children's benefits

• Proof of U.S. citizenship or lawful alien

status if you (or a spouse or child

applying for benefits) were not born in

the U.S.

• The name of your bank and your

account number so your benefits can

be directly deposited into your account.

Social Security will need original documents or

copies certified by the issuing office.

HOW DO I FIND OUT HOW MUCH I WILL

RECEIVE IN SOCIAL SECURITY

BENEFITS?

You can use the online Retirement

Estimator to get immediate and

personalized retirement benefit estimates.

The estimator will let you create “what if”

scenarios. You can get more information

by visiting the Social Security website at

https://www.ssa.gov/retire/estimator.html.

Your benefit payment is based on how

much you earned during your working

career. Higher lifetime earnings result in

higher benefits. Your benefit pay is also

affected by the age at which you decide to

retire. If you retire at age 62 (the earliest

possible retirement age for Social

Security) your benefit will be lower than if

you wait until later to retire.

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https://www.ssa.gov/planners/retire/ageincrease.html

http://www.ssa.gov/

https://www.ssa.gov/retire/estimator.html

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MUST I PAY TAXES ON SOCIAL

SECURITY BENEFITS?

Some people have to pay federal income

taxes on their Social Security benefits. This

usually happens only if you have other

substantial income (such as wages, self-

employment, interest, dividends and other

taxable income that must be reported on your

tax return) in addition to your benefits.

No one pays federal income tax on more than

85 percent of his or her Social Security

benefits based on Internal Revenue Service

(IRS) rules. If you:

• file a federal tax return as an

"individual" and your combined income

is

• between $25,000 and $34,000,

you may have to pay income tax

on up to 50 percent of your

benefits.

• more than $34,000, up to 85

percent of your benefits may be

taxable.

• file a joint return, and you and your

spouse have a combined income* that is

• between $32,000 and $44,000,

you may have to pay income tax

on up to 50 percent of your

benefits

• more than $44,000, up to 85

percent of your benefits may be

taxable.

• are married and file a separate tax

return, you probably will pay taxes on

your benefits.

WHAT IS THE MAXIMUM SOCIAL

SECURITY RETIREMENT BENEFIT

PAYABLE?

The maximum benefit depends on the age

you retire. For example, if you retire at full

retirement age in 2017, your maximum

benefit would be $2,687. However, if you

retire at age 62 in 2017, your maximum

benefit would be $2,153. If you retire at age

70 in 2017, your maximum benefit would be

$3,538.

HOW DO I SCHEDULE, RESCHEDULE OR

CANCEL AN APPOINTMENT WITH SOCIAL

SECURITY?

Social Security does not have an online appointment

scheduler. However, you do not need an

appointment to file for benefits. You can file for the

following benefits online:

Retirement: https://www.ssa.gov/planners/retire/index.html

Medicare: https://www.ssa.gov/medicare/

Spouses: https://www.ssa.gov/planners/retire/index.html

Disability: https://www.ssa.gov/disabilityssi/

If you do not want to apply for benefits online, or you

need to speak to a person for any other reason, you

can schedule, reschedule, or cancel an appointment

by:

• Calling 1-800-772-1213 (TTY 1-800-325-0778)

between 7 a.m. to 7 p.m., Monday through Friday

OR

• Contacting your local Social Security office:

(https://secure.ssa.gov/ICON/main.jsp)

More Information about Social Security can be found at

www.ssa.gov

Here you can apply for retirement, disability and Medicare

benefits. You can also receive a Social Security Statement

online or by calling the toll-free number: 800-772-1213

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https://www.ssa.gov/planners/retire/index.html

https://www.ssa.gov/medicare/

https://www.ssa.gov/planners/retire/index.html

https://www.ssa.gov/disabilityssi/

https://secure.ssa.gov/ICON/main.jsp

http://www.ssa.gov/

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WHAT TYPE OF ACCOUNTS DOES

ICMA-RC OFFER THROUGH WAUKESHA

COUNTY?

HOW DO I FIND OUT WHICH ACCOUNTS IHAVE AND CHECK MY BALANCE WITH

ICMA-RC?

WHEN I RETIRE, DO I NEED TO DO

ANYTHING IMMEDIATELY WITH MY

ACCOUNTS?

HOW DO I TAKE MONEY OUT OF MY

ACCOUNT?

As a Waukesha County employee, you

could be enrolled in any of the following

options with ICMA-RC.

i. 457 Deferred Compensation: Pre-tax

or Roth – Plan Number 304400

ii. Roth IRA – Plan Number 705979

iii. Retirement Health Savings Account –

Plan Number 801895

• Log into your ICMA-RC online account

at www.icmarc.org/login

• Call Investor Services at 800-669-7400

No, employees have flexibility and can

choose when they wish to access their

accounts and funds. Once you retire, you

must take the required minimum

distribution (RMD) from your account no

later than April 1 of the calendar year

following the year in which you reach age

70-1/2. If you are still working at 70-1/2,

the required minimum distribution must

begin once you retire.

There are three ways to request a

distribution:

• Online via account access at

www.icmarc.org/login

• Call Investor Services at 800-669-7400

• Meet with an ICMA-RC Representative

Yes, distributions other than qualifying

Roth assets will be taxed as ordinary

income in the year you receive them.

Additional tax rules may apply depending

on your age and circumstances.

To learn more about taxes and your

ICMA-RC account visit

www.icmarc.org/taxplanning.

Additionally, tax regulations can be found

on the IRS website at www.irs.gov.

Yes. If you wish to buy back previously

forfeited services credits, you may request

the Transfer to Purchase Service Credit

Form by calling Investor Services at 800-

669-7400 or by downloading the form via

www.icmarc.org/forms.

• Log into your ICMA-RC online account

at www.icmarc.org/login

• Go to the Manage My Account tab and

click the My Profile link

• Click on the Beneficiaries link

• Click the Update Beneficiaries button

and enter your beneficiary information

You may also download a form at

www.icmarc.org/forms. This form is only

required if your beneficiary designation

requires spousal consent. Completed

forms can be faxed or mailed back to

ICMA-RC.

HOW DO I REVIEW AND UPDATE MY

DESIGNATED BENEFICIARY?

IF I WITHDRAW MONEY FROM MY

DEFERRED COMPENSATION ACCOUNT,IS IT TAXED?

CAN I USE MY DEFERRED

COMPENSATION PLAN TO HELP

PURCHASE FORFEITED SERVICE CREDITS

FROM THE WISCONSIN RETIREMENT

SYSTEM?

CHAPTER 4: DEFERRED COMPENSATION

http://www.icmarc.org/login


http://www.icmarc.org/taxplanning

http://www.irs.gov/

http://www.icmarc.org/forms


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contribution is made in the following calendar

year at the employee's current rate of pay at

a rate of 20% of those hours which could

have been accumulated over 960.

• Sick Leave Retirement Contribution: Upon

retirement, eligible employees may

receive a sick leave retirement

contribution into their Retirement Health

Savings Plan.

Regular full-time employees who retire at age

65 or age 55 with twenty (20) years of

creditable service, or normal retirement age

for law enforcement employees in the

protective service pension category, will

receive contribution into their Retirement

Health Savings Plan equivalent to 65% of

their sick leave accumulation.

Normal retirement age for protective service

employees is 53 years old with 25 or more

years of service, or age 54 with 20 years of

service.

Regular part-time employees who retire at

age 65 or age 55 with ten (10) years of

creditable service, or normal retirement age

for law enforcement employees in the

protective service pension category with ten

(10) years of creditable service, will receive a

contribution into their Retirement Health

Savings Plan equivalent to 65% of their sick

leave accumulation.

All regular full-time and regular part-time

employees have a Retirement Health

Savings account. The Retirement Health

Savings Plan allows for the tax-free

prefunding of post-employment medical

expenses. Funding must only be in the form

of employer contributions. Funds are

available to the employee following

termination of employment. Funds can only

be used for the reimbursement of either

qualified medical expenses or qualified

insurance premium payments.

WHAT IS A RETIREMENT HEALTH

SAVINGS ACCOUNT? (RHS)

Your Retirement Health Savings Account is

funded while you are an active employee.

There are three ways in which contributions

can occur:

• Monthly County Contribution: During your

active years as an employee, the County

contributed a flat dollar amount each

month into your account. The contribution

occurred with the second paycheck of

each month. All regular full-time and

regular part-time employees received the

contributions into their accounts.

• Sick Leave Enhancement Credit

Contribution: Eligible employees who

have achieved a sick leave balance of 960

hours receive the contribution in lieu of

additional sick leave accumulation.

Employees who have accumulated 960

hours of sick leave at any point in the

calendar year will have a contribution

made to their Retirement Health Savings

Plan account for those hours, which could

have accumulated over 960. The

HOW DOES MONEY GET PUT INTO MY

ACCOUNT?

CHAPTER 5: RETIREMENT

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You must pay for medical expenses and

then request reimbursement.

Reimbursement for eligible benefits is

handled by a third-party administrator

(Meritain Health). Meritain will reimburse

you upon receipt of the completed benefit

reimbursement form. An exception to this

is for situations where you have recurring

expenses, e.g. insurance premiums. In

this case, reimbursements can be made

on an automatic payment basis to you

after the request is filed with Meritain.

Log into your ICMA-RC online account at

www.icmarc.org/login to submit claims

online. Or call Meritain Health at 888-587-

9441 for the form if you are eligible for

benefits.

No. The RHS account must remain in the

County’s RHS plan. Due to IRS

requirements, the program does not allow

your account to be rolled into any other

type of plan.

Funds are deposited into the employee’s

ICMA-RC account. A third-party

administrator, Meritain Health, handles

account reimbursements.

Log into your ICMA-RC online account at

www.icmarc.org/login

Or Call Investor Services at 800-669-7400

When you terminate or retire from

employment, you are entitled to be

reimbursed from your account for qualified

medical care expenses, provided the

expenses are not taken as a deduction on

the employee’s federal income tax return.

Benefit payments are limited to the

amounts in the employee’s account.

The funds must be used for qualified

medical care expenses or qualified

insurance premiums for employees or

their dependents. Internal Revenue Code

Section 213(d)(1) defines what is deemed

as a qualified medical expense. Only

expenses incurred after termination of

employment qualify for reimbursement

under the plan.

Information about what is defined as a

Medical Expense can be found in IRS

Publication 502.

WHAT CAN THE MONEY BY USED FOR?

HOW CAN I WITHDRAW MONEY FROM MY

ACCOUNT?

WHERE CAN I GET THE

REIMBURSEMENT FORM?

CAN I ROLL MY RHS ACCOUNT

BALANCE INTO ANOTHER IRA OR RHSACCOUNT?

WHO ADMINISTERS THE ACCOUNT?

HOW DO I CHECK MY ACCOUNT

BALANCE?

WHEN AM I ELIGIBLE TO USE THE

MONEY IN MY ACCOUNT?

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The Health Care Flexible Spending

Account is a flexible spending account

that is used by employees during their

employment to prefund medical expenses

through payroll deduction on a pretax

basis. Employees commonly refer to it as

their Flexible Spending Account plan.

NO ACCOUNT BALANCE

If you have used all the money you have

contributed to your account, at the time of

your retirement, your account will be

closed. You will not be offered the

opportunity to continue post-employment.

POSITIVE ACCOUNT BALANCE

If you have a positive balance in your

account at the time of your retirement, you

can submit claims against your account

for any eligible expenses incurred prior to

your retirement. You will have the

remainder of the calendar year to submit

the claims; however, all expenses must

have been incurred prior to your

retirement date.

COBRA

When you retire, you will also receive a

COBRA notification and have the following

options:

a) Forfeit the amount in your account.

b) Elect to have additional pre-tax

deductions taken from your final

paycheck to allow participation in the plan

to continue for the remainder of the plan

year.

c) Elect to have a pro-rated portion of your

remaining annual election amount

deducted from your last paycheck. Your

participation in the Health Care Flexible

Spending Account will continue through

the number of future pay periods that you

elected to fund. You MUST submit your

election form to Human Resources prior

to your retirement if you wish to fund your

account on a pre-tax basis.

d) Elect to pay Waukesha County the

amount of your bi-weekly Health Care

Flexible Spending Account deductions on

an after-tax basis. Your participation in

the plan will continue through the end of

the calendar year or as long as you make

the biweekly payments.

As with all COBRA elections, participants

have sixty (60) days from your retirement

date to make this election.

WHAT IS THE HEALTH CARE FLEXIBLE

SPENDING ACCOUNT?

WHAT HAPPENS TO MY HEALTH CARE

FLEXIBLE SPENDING ACCOUNT UPON

RETIREMENT?

CHAPTER 6: HEALTH CARE FSA

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To contact Optum Back visit

www.optumbank.com or call 800-791-9361

Monday – Friday, 8:00 am – 8:oo pm

Just as when you were an employee, this

is your money. When you retire, you

continue to have access and control of

funds for usage for you and your tax

dependents.

I HAVE BEEN ENROLLED IN THE HIGH

DEDUCTIBLE HEALTH PLAN WHILE IWAS EMPLOYED. AS PART OF THAT

PLAN, I HAVE A HEALTH SAVINGS

ACCOUNT (HSA). WHAT HAPPENS TO

MY HSA MONEY AT OPTUM BANK?

The funds are not subject to income tax as

long as they are used for eligible medical

expenses. After reaching age 65, when

funds are used for more than qualified

medical expenses, the additional twenty

percent (20%) tax penalty does not apply.

DOES THE TAX TREATMENT OF THESE

FUNDS CHANGE AFTER I RETIRE?

You are not required to keep your HSA

funds in Optum Bank. You may transfer

the funds to another financial institution.

Transfer fees may apply. Contact Optum

Bank for fee schedules.

If you were accessing your HSA account

through myuhc.com, you will only have

account access for 18 months post-

employment through myuhc.com.

However, as long as you have an active

account with Optum you may access this

account via www.optumbank.com

DO I HAVE TO KEEP THE HSA FUNDS AT

OPTUM BANK OR CAN I ROLL THESE

FUNDS OVER TO ANOTHER HSAACCOUNT AT ANOTHER FINANCIAL

INSTITUTION?

Yes, you may use the funds to pay for

Medicare Premiums and qualified out-of-

pocket expenses. This includes

deductibles, co-payments, and co-

insurance for:

• Medicare Part A (Hospitalization)

• Medicare Part B (Medical Insurance)

• Medicare Part C (Medicare Advantage)

• Medicare Part D (Prescription)

Funds cannot be used for Medicare

supplemental policies such as Medigap.

CAN I USE MY HSA FUNDS TO PAY FOR

MEDICARE PREMIUMS?

CHAPTER 7: HEALTH

SAVINGS ACCOUNT

http://www.optumbank.com/


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Take the time to review the information in this

Chapter as well as Chapter 9 – Medicare.

Yes, until they reach the age of 26.

Additionally an unmarried child age 26 or

over who is or becomes disabled and

dependent upon you may remain on the plan.

You and your covered spouse are eligible to

continue coverage under the Waukesha

County Retiree Choice Plus Health plan or

the UnitedHealthcare Group Medicare

Advantage plan for the remainder of your

lifetime, provided the County continues to

offer the plans and you pay the required

premiums.

Yes, you can choose to elect COBRA

coverage or shop the general market place.

If you choose COBRA coverage, you will

remain in your current active employee plan,

but you can only continue coverage for up to

eighteen (18) months. If you elect COBRA

continuation coverage, your eligibility to

participate in one of the retiree health

insurance plan options ends.

No. Contributions are only made into active

employee accounts.

You have three options.

a) You may elect COBRA continuation to

remain in the active employee health

insurance plan. Continuation is

limited under most situations for 18

months.

b) You may elect coverage from the

Waukesha County Retiree Choice

Plus Health Plan

c) You may elect coverage in the

UnitedHealthcare Group Medicare

Advantage plan if you are Medicare

eligible. See the 2018


Advantage Plan Guide for more

information.

Note: If you are enrolled in Medicare, you can

participate in either the Waukesha County Retiree

Choice Plus Health Plan or the UnitedHealthcare

Group Medicare Advantage plan. If you are not

enrolled in Medicare, you may only enroll in the

Waukesha County Retiree Choice Plus Health plan.

WHAT HEALTH INSURANCE OPTIONS

ARE AVAILABLE TO ME WHEN I RETIRE?

In order to qualify for one of the retiree

health insurance plan options you must

meet certain criteria:

• You must retire and receive an annuity

from with WRS.

• You must be enrolled in an active

employee health plan at the time of

retirement.

HOW DO I QUALIFY FOR THE RETIREE

HEALTH INSURANCE PLAN OPTIONS?

Yes, both you and your spouse may enroll

in one of the retiree plans. In addition,

see FAQ #13 for more information on

options when your spouse reaches

Medicare eligibility.

MY SPOUSE IS CURRENTLY COVERED BY

MY COUNTY INSURANCE, CAN HE/SHE

CONTINUE IN ONE OF THE RETIREE

HEALTH PLANS AS WELL?

CAN MY CHILDREN REMAIN ON MY

PLAN?

IS THERE A LIMITATION AS TO HOW

LONG I CAN BE COVERED UNDER ONE

OF THE RETIREE HEALTH PLAN

OPTIONS?

DO I HAVE ANY OTHER OPTIONS

BESIDES THE RETIREE HEALTH

INSURANCE PLANS?

IF I ELECT COBRA AND CONTINUE IN

THE ACTIVE EMPLOYEE HIGH

DEDUCTIBLE HEALTH PLAN, WILL IRECEIVE A COUNTY CONTRIBUTION INTO

MY HEALTH SAVINGS ACCOUNT?

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CHAPTER 8: HEALTH INSURANCE

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Yes. Federal law requires that individuals

electing COBRA continuation may have

access to the clinic during their COBRA

continuation period.

No. Only active employees and COBRA

participants may use the clinic.

No, retirees are responsible for 100% of

the health insurance costs. This includes

premiums, copays, co-insurance, and any

other out of pocket expenses.

If you have chosen the Waukesha County

Retiree Choice Plus Health plan, the

amount of your insurance premiums will

be automatically deducted from your

checking or savings account. This

deduction will occur between the 6th and

13th of each month.

The funds in your Retirement Health

Savings (RHS) account can be used to

pay retiree COBRA health insurance

premiums. You can elect to have the

RHS Plan Administrator reimburse your

insurance premium from your RHS

account directly to the financial institution

of your choice. See Chapter 5 –

Retirement Health Savings Account for

more details on the Retirement Health

Savings (RHS) plan.

If you chose the UnitedHealthcare

Medicare Group Advantage plan,

UnitedHealthcare will inform you of the

various options. One of the most common

methods is to have it deducted from your

social security.

When the retiree or spouse is Medicare

eligible, the retiree or spouse, has the

option of continuing in the Waukesha

County Retiree Choice Plus Health Plan

or enrolling in the UnitedHealthcare

Medicare Group Advantage plan. The

remaining member, who is not yet

Medicare eligible, may remain in the

Waukesha County Retiree Choice Plus

Health Plan. Once both the retiree and

spouse are medicare eligible, they must

be enrolled in the same health plan option.

If you remained enrolled in the Waukesha

County Retiree Choice Plus Health Plan

and you or your spouse are also enrolled

in Medicare, Medicare becomes the

primary insurance plan and the Waukesha

County Retiree Choice Plus Health plan is

secondary.

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IF I ELECT COBRA FOR ONE OF THE

ACTIVE EMPLOYEE HEALTH PLANS, MAY

I STILL USE THE WAUKESHA EMPLOYEE

HEALTH AND WELLNESS CENTER?

DOES THE COUNTY CONTRIBUTE

ANYTHING TOWARDS THE HEALTH

INSURANCE PREMIUMS ONCE I RETIRE?

IF I ELECT ONE OF THE RETIREE

HEALTH PLAN OPTIONS, MAY I STILL

USE THE WAUKESHA EMPLOYEE

HEALTH AND WELLNESS CENTER?

HOW DO I PAY FOR MY HEALTH

INSURANCE PREMIUMS ONCE I RETIRE?

HOW DO I PAY FOR MY HEALTH

INSURANCE PREMIUMS IF I CHOSE THE

UNITEDHEALTHCARE MEDICARE GROUP

ADVANTAGE PLAN?

WHAT HAPPENS TO HEALTH INSURANCE

COVERAGE IF THE RETIREE OR SPOUSE

REACHES MEDICARE ELIGIBILITY AGE?

ONCE I AM ENROLLED IN MEDICARE,HOW DOES THAT AFFECT MY

COORDINATION OF BENEFITS WITH THE

WAUKESHA COUNTY RETIREE CHOICE

PLUS HEALTH PLAN?

You must provide Human Resources with

a copy of your Medicare Card when

enrolling in the Waukesha County Retiree

Choice Plus Health Insurance program or

as soon as you become eligible for

Medicare.

DO I HAVE TO PROVIDE THE COUNTY A

COPY OF MY MEDICARE CARD?

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No. At the time of your retirement if you

elected COBRA and continue coverage in

the active employee health plan you no

longer are eligible to enroll in the either

the Waukesha County Retiree Choice

Plus Health Plan or UnitedHealthcare

Medicare Group Advantage plan in the

future.

Yes, your spouse will be allowed to

continue coverage for the remainder of his

or her lifetime, provided the County

continues to offer a Retiree Health

Insurance Program and the premiums are

paid. The surviving spouse will be eligible

for all health plan options for the first

thirty-six (36) months following the death

of the retiree.

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After 36 months, a surviving spouse who

is eligible for Medicare, must enroll in and

remain covered under the


Advantage plan. If the surviving spouse is

not yet eligible for Medicare after the

thirty-six (36) months continuation period,

they may remain enrolled in the

Waukesha County Retiree Choice Plus

Health plan. Once the surviving spouse

becomes eligible for Medicare, they will be

required to enroll in and remain covered

under the UnitedHealthcare Group

Medicare Advantage plan unless the

surviving spouse and dependents reside

in an area where United Healthcare Group

Medicare Advantage plan is not available.

In the event that the County does not

continue to offer an alternative Medicare

Advantage health plan, such as


Advantage, the surviving spouse may

enroll in the Waukesha County Choice

Plus Retiree Health plan.

IF I ELECT COBRA CONTINUATION AND

REMAIN ENROLLED IN ACTIVE

EMPLOYEE HEALTH PLAN, MAY IENROLL IN EITHER THE WAUKESHA

COUNTY RETIREE CHOICE PLUS HEALTH

PLAN OR UNITEDHEALTHCARE

MEDICARE GROUP ADVANTAGE PLAN

WHEN MY COBRA CONTINUATION

EXPIRES?

IF I DIE, CAN MY SPOUSE REMAIN

ENROLLED IN ONE OF THE COUNTY

RETIREE HEALTH PLANS?

No, at the time of retirement, non-

represented employees may defer

enrollment into the Retiree Health

Insurance program for up to five (5) years.

DO I HAVE TO ENROLL IN ONE OF THE

COUNTY RETIREE HEALTH PLANS

IMMEDIATELY UPON MY RETIREMENT OR

CAN I WAIT? WHAT IF I HAVE ACCESS

TO OTHER HEALTH INSURANCE

THROUGH MY SPOUSE, IF I DO NOT

ENROLL RIGHT AWAY AM I PRECLUDED

FROM ENROLLING IN THE FUTURE?

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HOW DOES THE 5-YEAR DEFERRAL PROGRAM WORK?

At the time of retirement, all non-represented employees enrolled in one of the active employee County

health insurance plans may defer enrollment into the retiree health insurance options for up to five (5)

years. This is a one-time option which must be exercised at the time of retirement. This option is not

available if the retiring employees elects COBRA continuation coverage.

During this five-year period, retirees may enroll into a retiree health plan. Enrollment is not subject to

evidence of insurability. At the time of retirement, if you choose to enroll in a non-County health plan and

subsequently wish to enroll in either the Waukesha County Choice Plus Retiree Health Plan or the

UnitedHealthcare Medicare Group Advantage Plan you are subject to the requirements outlined below:

Waukesha County Choice Plus Retiree Health Plan:

• eligible qualifying event

• annual open enrollment

• prior to the expiration of the five-year deferral

period

• Achieving Medicare Eligibility-you are eligible to

enroll in either the Waukesha County Choice

Plus Retiree Health Plan or the

UnitedHealthcare Medicare Group Advantage

Plan immediately.

• Enrolled in a Medicare plan with an outside

carrier during your 5-year deferral period, you

are subject to Medicare's enrollment guidelines.

In this case, you are responsible for timing your

5-Year Deferral enrollment into the Waukesha

County health plans to align with the Medicare

annual open enrollment period.

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Yes, similar to active employees, retirees

can change plans during an annual open

enrollment. This is the only time you can

change health plans unless you have a

qualifying event, such as you or your

spouse becoming Medicare eligible.

Waukesha County sends out an open

enrollment notification in the fall of the

year notifying you of the timeframe when

you can make plan changes.

Waukesha County Choice Plus Retiree

Health Plan: You continue to have

coverage, although your claims will most

likely be processed using the out of

network benefit levels. To understand the

difference in costs between the in-network

and out-of-network benefits make sure

you review the plan comparison for

specific out of network benefit levels.

United Healthcare Group Medicare

Advantage Plan: your IRS address must

be in a covered area to remain enrolled in

this plan and have coverage. If your IRS

address is in a non-covered area, you will

not have coverage.

For the Waukesha County Choice Plus

Retiree Health Plan: Yes, however,

whether your claims are paid under the In-

Network or Out-Of-Network benefit levels

may vary based on where you live and if

UnitedHealthcare has in-network

providers in this area. Contact UHC

customer service on the back of your

insurance card to see if coverage is

available in the area where you are

planning to retire to re-locate.

For the United Healthcare Medicare

Advantage plan: The United Healthcare

Medicare Advantage Plan's availability is

based on the state and the county within

that state. Contact the customer service

number on the back of your Medicare

Advantage card to confirm. If the United

Healthcare Medicare Advantage plan is

not offered in your new location, United

Healthcare will help provide you with

alternate options.

DO RETIREES HAVE AN OPEN

ENROLLMENT PROCESS THAT IS SIMILAR

TO WHEN I WAS AN ACTIVE EMPLOYEE

WHICH WOULD ALLOW ME TO CHANGE

MY HEALTH PLAN OPTIONS?

WHEN I RETIRE I MAY NOT LIVE IN AN

IN-NETWORK AREA, WHAT HAPPENS IF ISPEND SEVERAL MONTHS OF THE YEAR

IN AN OUT-OF-NETWORK AREA? FOR

EXAMPLE, I PLAN ON SPENDING THE

WINTERS IN FLORIDA AND THE

SUMMERS HERE IN SOUTHEAST

WISCONSIN.

WHAT IF I AM RETIRING AND

PERMANENTLY RELOCATING? WILL IHAVE COVERAGE?

23

• Medicare Part A – Hospital insurance

helps pay for inpatient care in a

hospital or skilled nursing facility

(following a hospital stay), some home

health care and hospice care.

• Medicare Part B – Medical Insurance

helps pay for doctors' services,

outpatient care, home health care,

durable medical equipment, and many

other medical services and supplies

that are not covered by hospital

insurance.

• Medicare Part C – Medicare Advantage

is a supplemental insurance by

approved insurance companies.

Includes all the benefits and services

covered by Part A and Part B. The

insurance may also include Part D-

prescription drug coverage. May

provide additional benefits and

services beyond traditional Medicare

for an extra cost.

Note: Waukesha County retirees who are age

65 and Medicare eligible have access to

Medicare Advantage health plan options. See

Health insurance – Chapter 8 of this Guide for

specific options and details.

• Medicare Part D -- Prescription Drug

Coverage helps cover prescription drug

costs. Managed by Medicare

approved insurance companies, goal is

to lower retiree prescription drug costs.

Anyone who has Medicare Part A or

Part B is eligible for Part D (Medicare

prescription drug coverage).

To get more information on types of Medicare

visit: https://www.ssa.gov/pubs/EN-05-10043.pdf

Call the Medicare toll-free number at:

1-800-MEDICARE (1-800-633-4227)

or go to www.medicare.gov.

Yes. When you are Medicare eligible and

if you are enrolled in the Waukesha

County Retiree Choice Plus Health Plan,

you must enroll in Part A and Part B. If

you wish to have prescription drug

coverage, you must also enroll in Part D.

When you are Medicare eligible and if you

enroll in the United Healthcare Group

Medicare Advantage Plan (this is

Medicare Part C), you must enroll in Part

A and Part B, however Part D is included

in this health plan option.

PRIOR TO AGE 65

If you retire before age 65 and are

receiving Social Security, generally you

are not eligible for Medicare, however

upon reaching age 65 you will be

automatically enrolled in Medicare

Hospital Insurance (Part A) and Medical

Insurance (Part B) starting the first day of

the month you turn age 65. You will

receive a red, white, and blue Medicare

card 3 months before your 65th birthday.

AGE 65

If you have retired and are close to age 65

and not receiving Social Security benefits,

you need to sign up for Medicare Part A

and Part B.

WHAT ARE THE FOUR (4) DIFFERENT

PARTS OF MEDICARE?

IF I ENROLL IN ONE OF THE OPTIONS

UNDER THE WAUKESHA COUNTY

GROUP RETIREE HEALTH PROGRAM,DO I STILL NEED TO ENROLL IN

MEDICARE?

WHEN SHOULD I APPLY FOR MEDICARE?

CHAPTER 9: MEDICARE

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You must sign up during a 7-month period

that begins 3 months before the month

you turn 65, includes the month you turn

65, and ends 3 months after the month

you turn 65. You can sign up online or in

person. However, If you wait until the

month you turn 65 (or the 3 months after

you turn 65) to enroll, your Part B

coverage will be delayed. This could

cause a gap in your coverage. Therefore,

it’s suggested that you contact Social

Security three (3) months before you turn

65. If you do not sign up for Part B when

you are first eligible, you may have to pay

a late enrollment penalty.

SPECIAL ENROLLMENT PERIOD

If you are 65 or older and still working, you

have a chance to sign up for Medicare

during a special open enrollment period.

If you did not sign up for Part B when you

were first eligible because you were

covered under a group health plan based

on current employment (You as a County

employee or a spouse with another

employer) you can sign up for Part A and /

or Part B:

• Anytime you are still covered by the

group plan

• During the 8-month period that begins

after employment ends or the coverage

ends, whichever comes first.

• If you have a Health Savings Account

(HSA) with a High Deductible Health

Plan (HDHP) based on your or your

spouse’s current employment, to avoid

a tax penalty, you should stop

contributing to your HSA at least 6

months before you apply for Medicare.

You can withdraw money from your

HSA after you enroll in Medicare to

help pay for medical expenses.

• Social Security will provide you with a

form to give to Waukesha County to

complete as proof that you have had

group health insurance coverage since

the time you turned 65. There will also

be a form for you to complete stating

when you wish your Part B benefits to

start.

• COBRA and retiree health plans aren't

considered coverage based on current

employment. You're not eligible for a

Special Enrollment Period when that

coverage ends. This Special

Enrollment Period also doesn't apply to

people with End-Stage Renal Disease

(ESRD).

GENERAL ENROLLMENT PERIOD

If you did not sign up for Part A and / or

Part B during the initial enrollment period

and you do not qualify for the Special

Enrollment Period, you can sign up

between January 1st – March 31st each

year. Coverage will start July 1 of that

year, and you may have to pay a higher

premium because of the late enrollment.

The easiest way to apply for Medicare is

by using the online application. You can

also make an appointment by calling 1-

800-772-1213 (TTY 1-800-325-0778) 7

a.m. to 7 p.m., Monday through Friday.

IS THERE A COST FOR PART A OR PART

B?

You normally do not pay a premium for

Part A coverage because you paid

Medicare taxes while you were working.

That is why Part A is commonly

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referred to premium free-Part A. There is

a premium cost for Part B. The Part B

amount changes annually. Part B

premiums are deducted automatically out

of your Social Security checks or through

automatic withdrawal from a savings or

checking account if you are not collecting

social security. The monthly premium is

based on your family income. Some

beneficiaries with higher incomes will pay

a higher monthly Part B premium. For

more information visit

www.ssa.gov/medicare/mediinfo.html

Medicare does not cover everything. If

you need certain services that are not

covered under Part A or Part B, you will

have to pay for them separately unless

you have other coverage that covers the

costs such as a Medicare Advantage plan.

Even if Medicare covers a service, you

generally have to pay a deductible, co-

insurance, or co-payment. Some items

that Medicare does not cover include:

• Most Dental care

• Eye exams for prescribing glasses

• Dentures

• Cosmetic surgery

• Acupuncture

• Hearing Aids and Fitting Exams

• Long term care

Medicare Advantage plans are another

way to get medical coverage. You still

have Medicare, but Medicare Part A

(hospital) and Medicare Part B (Medical

Insurance) coverage is provided through

the Medicare Advantage plan. You are

still responsible to pay Medicare Part B

premiums while enrolled in the Medicare

Advantage Plan.

Under a Medicare Advantage Plan, you

will use a specific network of providers

and will have a specific insurance card to

use. There may be services covered

under a Medicare Advantage plan that are

not normally covered under Original

Medicare Part A and Part B. Most

Medicare Advantage plans include

Prescription Drug Coverage - Part D.

There is a separate premium that you pay

for access to a Medicare Advantage plan.

Yes, the County offers access to a


Advantage plan. There are specific

enrollment rules that apply. There are

costs you are responsible for which

include premiums, deductibles, co-

insurance and co-payments. Refer to the

Health Insurance – Chapter 8 of the

Guidebook for details.

Medicare Part D provides prescription

drug coverage to Medicare plan members.

To get Medicare prescription drug

coverage you must enroll in an approved

plan and have Medicare Part A and Part

B. Plans will vary in cost and specific

drugs covered. There are two ways to get

Medicare prescription drug coverage:

• Purchase a Medicare Prescription

Drug Plan

• Purchase a Medicare Advantage Plan

You will enroll when you first become

eligible for Medicare, you can also enroll

during Medicare Open Enrollment, which

occurs between October 15th – December

7th each year. Once you are enrolled,

you generally must stay enrolled for the

calendar year.

WHAT IS NOT COVERED BY PART A OR

PART B?

WHAT IS A MEDICARE ADVANTAGE –PART C PLAN?

DOES THE COUNTY OFFER ACCESS TO A

MEDICARE ADVANTAGE PLAN?

WHAT IS MEDICARE PART D?

WHEN DO I HAVE TO ENROLL IN A

MEDICARE PART D - PRESCRIPTION

DRUG PLAN?

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http://www.ssa.gov/medicare/mediinfo.html

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No, if your Medicare Advantage Plan

includes prescription drug coverage and

you join a separate Medicare Prescription

Drug plan you will be dis-enrolled in your

Medicare Advantage plan and returned to

only Original Medicare (Part A and Part B)

for your health plan coverage.

Each plan may vary on the amounts, but

you will normally be required to first pay a

deductible, this is the amount you pay

before the drug plan begins to pay its

share of your covered drugs. You will

also be required to pay a co-payment (flat

dollar amount per drug) or a co-insurance

(percentage of the drug cost). The

amounts will vary by plan and drug.

Most plans also have a Coverage Gap

(also called the Donut Hole). The

Coverage Gap begins after you and the

drug plan together spend a certain amount

for covered drugs. The Coverage Gap will

not affect you if your drug costs are not

high enough. However, if the total cost of

the prescriptions (what you spent and the

drug plan covered) reaches a certain

threshold you will be required to pay a

percentage toward any future generic or

brand medications until you reach a

maximum amount. Once you have

reached this payment amount then

Catastrophic Coverage automatically

kicks in and you only pay a co-insurance

or co-pay for the rest of the year.

WAUKESHA COUNTY RETIREE

CHOICE PLUS HEALTH PLAN:

Prescription drug coverage ends when

you become eligible for Medicare, this

plan does not include drug coverage.

• You must be enrolled in Medicare Part

A and B

• If you want prescription drug coverage,

you must enroll in an approved

Medicare Part D plan.

• You are responsible for paying the

separate Part D premium. The amount

is normally deducted from your Social

Security check.

• The plan you choose may have

deductibles, co-payments, or co-

insurance in addition to the premiums.

UNITEDHEALTH CARE GROUP

MEDICARE ADVANTAGE PLAN:

• Prescription Drug coverage is included

in this plan.

• You must be enrolled in Medicare Part

A and B

• You are responsible for any

deductibles, co-pays, or co-insurance

payments if there are any.

• There is no separate premium charge.

The cost of the Part D premium is

included in the UnitedHealth Care

Medicare Advantage plan costs.

IF I ENROLL IN A MEDICARE PART DPRESCRIPTION DRUG PLAN HOW MUCH

WILL I HAVE TO PAY, IS THERE A

MAXIMUM OUT-OF-POCKET EXPENSE?

IF I HAVE A MEDICARE ADVANTAGE

PLAN FOR MY HEALTH INSURANCE AND

IT INCLUDES PRESCRIPTION DRUG

COVERAGE, CAN I ALSO PURCHASE A

SEPARATE MEDICARE PRESCRIPTION

DRUG PLAN?

IF I AM ENROLLED IN EITHER THE

WAUKESHA COUNTY RETIREE CHOICE

PLUS GROUP HEALTH PLAN OR THE

UNITEDHEALTH CARE GROUP

MEDICARE ADVANTAGE PLAN, DO IHAVE MEDICARE PART D COVERAGE?

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Waukesha County does not offer a retiree

dental insurance program. However, you

may elect to continue with your current

dental plan for up to eighteen (18) months.

Your family can remain on your plan.

Your children may remain on the plan until

the age of 26. An unmarried child age 26

or over who is/or becomes disabled and

dependent upon you may remain on the

plan while you are enrolled.

Human Resources will provide you with a

COBRA election form to complete. The

form will be included in your retirement

packet. You must complete and return the

enrollment form within 60 days of your

retirement date.

Retirees pay the full cost the insurance

premium. The costs of the plan are

included in the Resource section.

Your monthly insurance payments will be

automatically deducted from your

checking or savings account. This

deduction will occur between the 6th and

13th of each month.

The funds in your Retirement Health

Savings (RHS) account can be used to

pay COBRA dental insurance premiums.

You can elect to have the Plan

Administrator (Meritain) reimburse your

COBRA insurance premium from your

RHS account directly to your checking or

savings account.

Yes, but you can only change COBRA

dental plans during open enrollment.

Open enrollment is held in the fall of each

year. If you elect to change coverage,

that change will be effective January 1.

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HOW DO I APPLY FOR COBRACONTINUATION OF DENTAL INSURANCE?

WHAT IS THE COST OF DENTAL

INSURANCE?

CAN I CHANGE DENTAL PLANS WHILE

ON COBRA?

HOW DO I PAY FOR DENTAL INSURANCE

PREMIUMS?CAN I AND/OR MY FAMILY CONTINUE

DENTAL INSURANCE AFTER I RETIRE?

CHAPTER 10: DENTAL INSURANCE

28

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Yes, you have two options:

• COBRA vision continuation

• Retiree Vision Insurance Program if

you also elect the Waukesha County

Retiree Choice Plus Health Plan

CAN I CONTINUE VISION COVERAGE

AFTER I RETIRE?

RETIREE VISION INSURANCE PLAN

You may choose your coverage under the

Retiree Vision Plan only if you continue

your health choice in Waukesha County

Retiree Choice Plus Health Plan. You are

eligible to continue coverage under the

Retiree Vision Insurance program until

age 65, provided the County continues to

offer a Retiree Vision Insurance Program.

Your spouse may continue coverage until

they are entitled to Medicare. Coverage

for dependents will also end upon the

employee’s entitlement to Medicare or

enrollment into any other health plan

besides the Waukesha County Retiree

Choice Plus Health Plan. No dependents

may be enrolled in the Retiree Vision Plan

if the employee is not also a member.

WHAT IS THE DIFFERENCE BETWEEN

THE TWO PLANS?

Members are only allowed to disenroll

from the plan for the following situations:

• Termination of employment

• A Section 125 Qualifying Event

(Example: Entitlement to Medicare)

• Annual group open enrollment as long

as a member was enrolled for at least

12 months. If disenrolling after 12

months, a member may not re-enroll

until the next open enrollment.

WHEN CAN I DISENROLL FROM THE

RETIREE VISION PLAN?

Benefit levels under the Waukesha

County Retiree Vision plan are the same

as active employees.

ARE MY VISION BENEFITS THE SAME AS

THE ACTIVE EMPLOYEE PLAN?

If you wish to enroll in either of the Vision

Insurance plan options, you must

complete and return the “Waukesha

County Retiree Insurance Program

Election” form. You must complete and

return the enrollment form for the vision

plan option of your choice within 60 days

of your retirement date.

HOW DO I ENROLL IN THE VISION

PLAN?

CHAPTER 11: VISION

INSURANCE

COBRA VISION CONTINUATION

You may choose the COBRA Vision

option regardless of which health

insurance option you choose. If you

choose to elect COBRA continuation of

vision coverage under your existing active

employee vision insurance plan, it will only

be for up to eighteen (18) months. If you

elect COBRA continuation coverage, your

eligibility to participate in the County's

Group Retiree Vision insurance program

ends.

29

LIF

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At age, 65 the benefit is reduced to one

multiple of salary and then further reduced

by the same percentages outlined above for

the non-exempt employees. Maximum

benefit under exempt retiree life insurance

is $250,000.

For both non-exempt and exempt

employees, Accidental Death and

Dismemberment benefits terminate upon

retirement.

FOR EMPLOYEES RETIRING JANUARY

1, 2020 AND LATER

Non-Exempt Employees

Prior to age 65 you are insured for an

amount equal to your annual salary rounded

up to the nearest thousand. However, for a

retiree prior to age 65, the maximum benefit

under this plan is $75,000.

At age 65, the following life insurance

benefit reductions will apply:

• Age 65: 75% of pre-retirement amount.

Maximum benefit up to $55,000

• Age 66: 50% of pre-retirement amount..


• Age 67: 25% of pre-retirement amount.


• Age 70: Coverage ends

Exempt Employees

Prior to age 65, you are insured for an

amount equal to your annual salary rounded

up to the nearest thousand times two (x 2).

However, for a retiree prior to age 65, the

maximum benefit under this plan is

$75,000.

At age, 65 the benefit is reduced by the

same percentages outlined above for the

non-exempt employees.

For both non-exempt and exempt

employees, Accidental Death and

Dismemberment benefits terminate upon

retirement

Yes, to qualify, you must meet the

following age and / or years of service:

Age 65 or OlderOR

Age 55 with 20 or more years of

creditable service

General Employees

Law Enforcement Employees

Age 50 with 20 or more years of

creditable service

CAN I CONTINUE LIFE INSURANCE

AFTER I RETIRE?

You are eligible to continue coverage under

this plan until you reach age 70 or as long as

Waukesha County continues to offer a retiree

life insurance plan and you pay the applicable

premiums.

HOW LONG CAN I CONTINUE MY LIFE

INSURANCE AFTER I RETIRE?

The amount is determined based on a number

of factors, such as, whether you are non-

exempt (eligible for overtime) or exempt (not

eligible for overtime), age, and salary.

FOR EMPLOYEES RETIRING JANUARY 1,

2019 to DECEMBER 31, 2019

Non-Exempt Employees

Prior to age 65 you are insured for an amount

equal to your annual salary rounded up to the

nearest thousand. The maximum benefit

under this plan is $185,000.

At age 65, the following life insurance benefit

reductions will apply:

• Age 65: 75% of pre-retirement benefit



• Age 70: Coverage ends

Exempt Employees

Prior to age 65, you are insured for an amount

equal to your annual salary rounded up to the

nearest thousand times two (x 2).

WHAT IS THE AMOUNT OF MY LIFE

INSURANCE COVERAGE?

CHAPTER 12: LIFE INSURANCE

30

You pay for your life Insurance premiums

by automatic withdrawal from a checking

or savings account each month.

Dependent life insurance terminates at the

end of the month following your retirement.

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HOW DO I PAY FOR THE LIFE

INSURANCE? CAN I CONTINUE MY DEPENDENT LIFE

INSURANCE AFTER RETIREMENT?

For employees retiring 1/1/19 to 12/31/19, if

you are age 65 or older, you are

automatically enrolled in the retiree life

insurance plan when you retire. No action is

required on your part.

For employees retiring 1/1/19 to 12/31/19

and who are between 55 (50 law

enforcement) - 65, you must complete and

return the “Retiree Life Insurance Election”

form.

For all employees who retire 1/1/2020 or

later, you must complete and return the

Retiree Life Insurance Election form. There is

no deferral option for life insurance like there

is for health insurance.

HOW DO I ENROLL IN THE LIFE

INSURANCE PLAN?

The cost of life insurance can change

each calendar year. Effective 11/1/2018,

the retiree life insurance cost is $0.30 per

month for each thousand dollars of

coverage. Example: If your life insurance

benefit is $40,000, to arrive at the monthly

premium you will $40,000/1,000= 40 x

$0.30. The monthly premium will be

$12.00.

For employees retiring 1/1/19 to 12/31/19,

when you reach age 65 the County will

pay the full life insurance premium on your

behalf until you reach age 70 and then

coverage will terminate.

For employees retiring 1/1/2020 or later,

the retiree will pay the cost of the life

insurance. The County will no longer pay

the premium for retirees age 65 or older.

HOW MUCH WILL THE LIFE

INSURANCE COST?

31

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Regular Part-Time employees will receive

½ of these amounts.

If you currently receive: you will receive

2 weeks vacation 1 day per month

3 weeks vacation 1 ½ day per month

4 weeks vacation 2 days per month

5 weeks vacation 2 ½ days per month

Your unused current year vacation will be

paid out on your final pay date.

You will also be paid for any accrued

vacation for next year. Vacation is

accrued on a 10-month period. Use the

chart to calculate your accrued vacation:

VACATION

COMPENSATORY TIMECompensatory Time will be paid out with your last check.

FLOATING HOLIDAYS / HOLIDAYSUnused floating holidays are paid out with the final paycheck. Floating holidays may

not be carried over for people who are retiring at the beginning of the next year.

Employees, whose jobs allow for the accrual of holidays, are paid for unused

holidays at the rate of pay they earned at the date of retirement.

WHAT HAPPENS TO MY CURRENT YEAR

VACATION AND NEXT YEAR’S ACCRUED

VACATION TIME?

The vacation will be paid out at the same

time as your final regular paycheck, but on

a separate paycheck.

WHEN WILL I RECEIVE MY VACATION

PAYOUT?

Vacation time is considered an after

termination benefit by the WRS. These

hours/dollars will not be added to your

WRS account and no pension will be

deducted from these payouts.

WHY WILL THE VACATION PAYOUT BE ON

A SEPARATE CHECK?

You may use your vacation time to extend

your retirement date, but it must be

approved by your supervisor. After that

time is used, you must work your last day.

WRS uses your last physical day worked

as your retirement date unless your

retirement is associated with a medical

condition and you are unable to return to

work.

CAN I USE MY VACATION TIME TO

EXTEND MY RETIREMENT DATE?

CHAPTER 13: OTHER

COMPENSATION

32

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To contact LifeMatters visit their website at:

http://mylifematters.com/ Access Code: WKC1

For immediate 24/7 assistance call: 800-634-6433

WHO IS OUR EMPLOYEE ASSISTANCE

PROGRAM (EAP) PROVIDER?

LifeMatters is our Employee Assistance

Program Provider.

Comprehensive, confidential services are

available to you and your family including

counseling, financial consultation, legal

consultation, WorkLife Complete and so

much more.

Counseling services for:

• Stress, depression, and personal

problems

• Balancing work and personal needs

• Family and relationship concerns

• Alcohol or drug dependency

• Workplace conflicts

Counseling is provided telephonically

and/or in scheduled face-to-face sessions,

depending on your program design.

Financial consultation and resources

from a consumer credit counselor to set

up a budget, obtain and review credit

report information, assist with debt

management and consolidation and more.

WHAT KIND OF SERVICES DO THEY

PROVIDE?

Yes, EAP services are available for

employees and household members for

up to 6 months post-employment.

DO I STILL HAVE ACCESS TO THE EAPAS A RETIREE?

Legal consultation with an attorney

either over the phone or face-to-face for

consumer law, traffic citations and fender

benders, family law, estate planning and

more.

WorkLife Complete offers assisted

searches by a WorkLife Consultant for

specific, custom resources for your needs

in many areas, including:

• Child and elder care resources and

guidance

• Adoption assistance

• Schools and universities

• Convenience services (Home

improvement, veterinarians, and more)

CHAPTER 14: EMPLOYEE

ASSISTANCE PROGRAM (EAP)

33

Website Telephone

Wisconsin Retirement System http://etf.wi.gov/ 877-533-5020

Social Security www.ssa.gov 800-772-1213

Deferred Compensation:

ICMA-RChttp://www.icmarc.org/ 800-669-7400

Retirement Health Savings:

Meritain Healthhttp://www.icmarc.org/ 888-587-9441

Healthcare Flexible Spending Acct:

EBChttp://www.ebcflex.com/ 800-346-2126

Health Savings Acct:

Optum Bankhttp://www.optumbank.com/ 866-234-8913

UnitedHealthcare:

Choice Plus Retireewww.myuhc.com 866-414-1959

UnitedHealthcare Medicare

Advantagewww.uhcretiree.com 877-714-0178

Medicare https://www.medicare.gov/ 800-633-4227

Delta Dental Insurance http://www.deltadentalwi.com 800-236-3712

Superior Vision Insurance http://www.superiorvision.com/ 800-507-3800

Employee Assistance Program:

LifeMattershttp://mylifematters.com/ 800-634-6433

CHAPTER 1 GENERAL INFORMATION RESOURCES:

CHAPTER 15: RESOURCES

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http://etf.wi.gov/

http://www.ssa.gov/

http://www.icmarc.org/


http://www.ebcflex.com/


http://www.myuhc.com/


https://www.medicare.gov/

http://www.deltadentalwi.com/

http://www.superiorvision.com/

http://mylifematters.com/

34

Sample Webinars: 5 Basics Steps to Your Retirement

How to Use ETF's Online Retirement

Calculator

Newly Retired? What to Expect

Annuity Options

Buying Service

Sample Publications: Your Benefit Handbook http://etf.wi.gov/publications/et2119.pdf

Choosing and Annuity

Optionhttp://etf.wi.gov/publications/et4117.pdf

WRS Guide to

Retirementhttp://etf.wi.gov/publications/et4133.pdf

WRS Newsletterhttp://etf.wi.gov/publications/newsletters_W

RS_news.htm

Buying Creditable Service http://etf.wi.gov/publications/et4121.pdf

Frequently Asked

Questionshttp://etf.wi.gov/faq/wrs.htm

Sample Forms: Beneficiary Designation http://etf.wi.gov/publications/et2320.pdf

Retirement Estimate

Requesthttp://etf.wi.gov/publications/et4207.pdf

Publications and Forms: http://etf.wi.gov/publications.htm

Educational Opportunities & Webinar Schedule: http://etf.wi.gov/member_education.htm#tab3

Online Retirement Estimate Request:

https://trust.etf.state.wi.us/ETFRetirementEstimateRqstWeb/retirementestimate.do

Online Calculators: http://etf.wi.gov/calculator.htm

Receive Email updates: https://public.govdelivery.com/accounts/WIDETF/subscriber/new?pop=t

CHAPTER 2: WISCONSIN RETIREMENT SYSTEM

(DEPARTMENT OF EMPLOYEE TRUST FUNDS)

Website: http://etf.wi.gov Phone: 877-533-5020

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http://etf.wi.gov/publications/et2119.pdf



http://etf.wi.gov/publications/newsletters_WRS_news.htm


http://etf.wi.gov/faq/wrs.htm



http://etf.wi.gov/publications.htm

http://etf.wi.gov/member_education.htm#tab3

https://trust.etf.state.wi.us/ETFRetirementEstimateRqstWeb/retirementestimate.do

http://etf.wi.gov/calculator.htm

https://public.govdelivery.com/accounts/WIDETF/subscriber/new?pop=t

http://etf.wi.gov/

35

CHAPTER 4: DEFERRED COMPENSATION

Website: http://www.icmarc.org/

Retirement Related Information: http://www.icmarc.org/retiree

Phone: 800-669-7400

Retirement Health Cost Estimator: http://www.icmarc.org/rec/retiree-health-cost-estimator.html

Retirement Income Planner: http://www.icmarc.org/rec/retirement-income-planner.html

Required Minimum Distribution: http://www.icmarc.org/rec/rmd.html

Calculators:

Am I on Track for Retirement?: http://www.icmarc.org/rec/am-i-on-track.html

Enjoying Retirement: http://www.icmarc.org/rec/enjoying-retirement.html

Videos:

Publications

10 Question Retiree Guide: http://www.icmarc.org/x3333.xml?RFID=513

Purchasing Service Credits: http://www.icmarc.org/x3333.xml?RFID=W393

Turning Your 457 Plan Into Income: http://www.icmarc.org/x3333.xml?RFID=345

Tax Planning: http://www.icmarc.org/x3333.xml?RFID=W1190

Website: www.ssa.gov Phone: 800-772-1213

Publications:

Retirement Toolkithttps://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-

activities/resource-center/publications/retirement-toolkit.pdf

When to Start Receiving

Retirement Benefitshttps://www.ssa.gov/pubs/EN-05-10147.pdf

Retirement Benefits https://www.ssa.gov/pubs/EN-05-10035.pdf

Sample Calculators: https://www.ssa.gov/planners/benefitcalculators.html

Apply for Benefits: https://secure.ssa.gov/iClaim/rib

Social Security Frequently Asked Questions: https://faq.ssa.gov/ics/support/default.asp?deptID=34019&_referrer

CHAPTER 3: SOCIAL SECURITY

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http://www.icmarc.org/retiree

http://www.icmarc.org/rec/retiree-health-cost-estimator.html

http://www.icmarc.org/rec/retirement-income-planner.html

http://www.icmarc.org/rec/rmd.html

http://www.icmarc.org/rec/am-i-on-track.html

http://www.icmarc.org/rec/enjoying-retirement.html

http://www.icmarc.org/x3333.xml?RFID=513

http://www.icmarc.org/x3333.xml?RFID=W393

http://www.icmarc.org/x3333.xml?RFID=345

http://www.icmarc.org/x3333.xml?RFID=W1190

http://www.ssa.gov/

https://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-activities/resource-center/publications/retirement-toolkit.pdf



https://www.ssa.gov/planners/benefitcalculators.html

https://secure.ssa.gov/iClaim/rib

https://faq.ssa.gov/ics/support/default.asp?deptID=34019&_referrer

36

CHAPTER 5: RETIREMENT HEALTH SAVINGS

ICMA-RC is where the funds are invested. A third-party administrator, Meritain Health, handles account reimbursements.

Meritain Health Phone

regarding claims and

reimbursements:

888-587-9441

Videos:

Learning More about Retirement

Health Savings:

http://www.brainshark.com/icmarc/v

u?pi=zGqz4SMFFz3tvcz0&intk=399

991252

Getting Reimbursed for

Healthcare Costs:

http://www.brainshark.com/

icmarc/vu?pi=zHpzlYJkNz3

jOhz0

Website to check account

balance:

Log into your ICMA-RC online

account at www.icmarc.org/login

Phone to call to check

account balance:

Call ICMA-RC Investor

Services at 800-669-7400

CHAPTER 6: HEALTHCARE FLEXIBLE SPENDING ACCOUNT (FSA)

Website: www.ebcflex.com Phone: 800-346-2126

Claim Forms: Eligible Expenses:

http://www.ebcflex.com/Portals/8/

PDF/quick-forms/claimForm.pdf

http://www.ebcflex.com/Portals/8/PDF/

quick-forms/eligibleExpenses.pdf

CHAPTER 7: HEALTH SAVINGS ACCOUNT (FSA)

Website: http://www.optumbank.com/ Phone: 866-234-8913

HSA Webinars:

https://www.optumbank.co

m/individuals-

families/financial-forums-

hsa-webinars.html

Publications:

Qualified Medical Expenses:

https://www.optumbank.com/in

dividuals-families/qualified-

medical-expenses.html

CHAPTER 8: HEALTH INSURANCE

UnitedHealthcare Choice Plus Retiree Plan

Website: www.myuhc.com

Phone: 866-414-1959

UnitedHealthcare Medicare Advantage

Website: www.uhcretiree.com

Phone: 877-714-0178

The Plan Guide for each health insurance option is available at

www.waukeshacounty.gov/Retiree

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http://www.brainshark.com/icmarc/vu?pi=zGqz4SMFFz3tvcz0&intk=399991252

http://www.brainshark.com/icmarc/vu?pi=zHpzlYJkNz3jOhz0


http://www.ebcflex.com/

http://www.ebcflex.com/Portals/8/PDF/quick-forms/claimForm.pdf

http://www.ebcflex.com/Portals/8/PDF/quick-forms/eligibleExpenses.pdf


https://www.optumbank.com/individuals-families/financial-forums-hsa-webinars.html

https://www.optumbank.com/individuals-families/qualified-medical-expenses.html


http://www.uhcretiree.com/

http://www.waukeshacounty.gov/Retiree

37

CHAPTER 9: MEDICARE

Website: www.medicare.gov Phone: 800-633-4227

Important Links: Podcasts:

Medicare & You:

https://www.medicare.gov/pubs/

medicare-podcasts/medicare-

and-you-audio-10050.html

Medicare & You:

https://www.medicare.gov/m

edicare-and-you/medicare-

and-you.html

What Medicare Covers:

https://www.medicare.gov/what-

medicare-covers/index.html

Drug Coverage:

https://www.medicare.gov/p

art-d/index.html

Coordination of Benefits:

https://www.medicare.gov/su

pplement-other-

insurance/index.html

CHAPTER 10: DENTAL INSURANCE

Delta Dental of Wisconsin

Website: http://www.deltadentalwi.com

Phone: 800-236-3712

CHAPTER 11: VISION INSURANCE

Website:


Phone:

800-507-3800

Locate a Provider:

https://www.superiorvision.co

m/Member/locate_provider

CHAPTER 14: EMPLOYEE ASSISTANCE PROGRAM

(LIFEMATTERS)Available for employees and household members for up to 6 months post-employment

Website: http://mylifematters.com/

Access Code: WKC1

Immediate, 24/7 assistancePhone: 800-634-6433

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http://www.medicare.gov/

https://www.medicare.gov/pubs/medicare-podcasts/medicare-and-you-audio-10050.html

https://www.medicare.gov/medicare-and-you/medicare-and-you.html

https://www.medicare.gov/what-medicare-covers/index.html

https://www.medicare.gov/part-d/index.html

https://www.medicare.gov/supplement-other-insurance/index.html

http://www.deltadentalwi.com/


https://www.superiorvision.com/Member/locate_provider

http://mylifematters.com/

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2019 COBRA INSURANCE COSTS

Health

Choice High Deductible Health Plan

Single:

$749.70

Family:

$2,022.66

Single:

$565.08

Family:

$1,526.94

Dental

Delta Dental Standard Delta Dental Exclusive

Single:

$30.40

Family:

$105.69

Single:

$49.97

Family:

$154.77

Vision

COBRA Retiree

Single:

$8.12

Emp +1:

$13.79

Family:

$20.69

Single:

$7.96

Emp +1:

$13.52

Family:

$20.28

2018 Monthly Premium RatesWaukesha County Choice Plus

Health Plan

UnitedHealthcare Medicare

Advantage Plan

Single, Non-Medicare $835.91 N/A

Two Party, Non-Medicare $1,671.79 N/A

Family, Non-Medicare $2,215.15 N/A

Single, Medicare $267.81 $0.00

Two Party, Medicare $535.65 $0.00

One with Medicare, one without $1,103.72 N/A

Family, two with Medicare and

dependents$1,076.09 N/A

Family, one with Medicare, one

without and dependents$1,644.18 N/A

2019 RETIREE HEALTH INSURANCE COSTS

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Waukesha County Employee Guide to Retirement · process timeline, frequently asked questions, and...

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Transcript of Waukesha County Employee Guide to Retirement · process timeline, frequently asked questions, and...