Rules for Changing Retiree Coverage

Medical Coverage

If you or your eligible dependents have a Life Event (qualified status change), you may change your coverage within 31 days of the date of the event. Changes must be consistent with the change in status.

You can drop your or your family members’ medical coverage at any time. However, if you want to re-enroll yourself or your eligible family members in medical coverage, you may do so only during annual open enrollment or within 31 days of an appropriate Life Event (qualified status change).

If you’re Medicare-eligible and enrolled in the company’s medical coverage, you can switch your coverage as follows, at any time during the year:

  • Between the UnitedHealthcare® Group Medicare Advantage (PPO) and an available Medicare Health Maintenance Organization (HMO) option; and
  • Between available Medicare HMO options.

Other Covered Charges (OCC) Plan

As a Formerly Represented Retiree, you have the option of electing an additional level of OCC coverage for yourself and your eligible dependents upon retirement. You can decrease or cancel OCC coverage for yourself or your dependents during annual open enrollment. Once decreased or dropped, you cannot increase the amount of your coverage or enroll again at a later date. See How Other Covered Charges (OCC) Coverage Works for more information.

Dental Coverage

You can drop your or your family members’ dental coverage at any time.

Life Insurance

You can decrease or drop your Group Term Life Insurance (Supplemental Life) at any time, but once dropped, you lose eligibility and can’t enroll again at a later date.

You can change your beneficiary at any time by completing the carrier’s online beneficiary designation process. Learn how to access the online beneficiary designation process here.

Other Important Information

You may not enroll a new domestic partner or civil union partner in retiree coverage. If, however, your domestic partner or civil union partner was previously enrolled and then dropped coverage, he or she is permitted to re-enroll in the same coverage options only.