44 2024 Health Benets Guide
Eligibility by Employee/Retiree Type
Eligibility Subsidy Amount How You Will Pay for Benets
MARYLAND STATE RETIREMENT SYSTEM RETIREES HIRED PRIOR TO 7/1/11
You are eligible for benets if you are a State retiree
who is currently receiving a monthly State retirement
allowance and meet one of the following criteria:
• You left State service with at least 16 years of service;
• You retired directly from State service with at least
ve years of service;
• You left State service (deferring your retirement
allowance) with at least 10 years of service and
within ve years of normal retirement age;
• You retired from State service with a disability
retirement; or
• Your State employment ended before July 1, 1984.
Note: Retirees of a County that participates with the
State Retirement System are generally not eligible for
health benets coverage through the State Employee
and Retiree Health and Welfare Benets Program.
Certain other retirees, including but not limited to
retirees of the Maryland Environmental Service or the
University of Maryland Medical System that receive a
State retirement allowance, may be eligible. Contact
your Agency Benets Coordinator or the Employee
Benets Division if you think you may be eligible.
Maximum State
Subsidy if:
• You retire with 16 or
more years of service;
• You receive a
disability
retirement; or
• You retired from State
service before July 1,
1984.
Partial State Subsidy if
you have at least ve
years of State service,
but less than 16. For
example, if you have 10
years of State service,
you would receive
10/16 of the maximum
State subsidy.
Premiums will be deducted from your monthly
retirement check once the State Retirement Agency
(SRA) has created a pension record.
When deductions begin to be taken from your
pension check, our oce will then send a mandatory
retroactive adjustment bill for missed pension
deductions from the date of retirement to the date of
the rst successful pension deduction. You must pay
this mandatory bill by the due date or risk having the
debt referred to the State’s Central Collections Unit
(CCU) where an additional 17% administrative fee may
be added.
Deductions taken from your retirement check are
always taken after any taxes have been deducted. If
your retirement check is not enough to cover all of
your monthly plan premiums, you will be billed for the
plan premiums that could not be deducted. You will
receive invoices mailed to the home address on le.
Premium payments are due on the rst of every
month, with a 30-day grace period (Exception:
January premiums are due upon receipt of the
coupons, with a 30-day grace period).
Unpaid invoices will be referred to the State’s Central
Collections Unit (CCU) where an additional 17%
administrative fee will be added to the debt.
MARYLAND STATE RETIREMENT SYSTEM RETIREES HIRED ON OR AFTER 7/1/11
You are eligible for benets if you are a State retiree
who is currently receiving a monthly State retirement
allowance and meet one of the following criteria:
• You left State service with at least 25 years of
creditable service;
• You retired directly from State service with at least
10 years of creditable service;
• You left State service (deferring your retirement
allowance) with at least 10 years of creditable service
and within ve years of normal retirement age; or
• You retired from State service with a disability
retirement.
Note: Retirees of a County that participates with the
State Retirement System are generally not eligible for
health benets coverage through the State Employee
and Retiree Health and Welfare Benets Program.
Certain other retirees, including but not limited to
retires of the Maryland Environmental Services or the
University of Maryland Medical System that receive a
State retirement allowance, may be eligible. Contact
your Agency Benets Coordinator or the Employee
Benets Division if you think you may be eligible.
Maximum State
Subsidy if:
• You retire with 25
or more years of
creditable service; or
• You receive a
disability retirement.
Partial State Subsidy if
you have least 10 years
of State creditable
service, but less than
25. For example, if you
have 15 years of State
creditable service, you
would receive 15/25
of the maximum State
subsidy.
Premiums will be deducted from your monthly
retirement check once the State Retirement Agency
(SRA) has created a pension record.
When deductions begin to be taken from your
pension check our oce will then send a mandatory
retroactive adjustment bill for missed pension
deductions from the date of retirement to the date of
the rst successful pension deduction. You must pay
this mandatory bill by the due date or risk having the
debt referred to the State’s Central Collections Unit
(CCU) where an additional 17% administrative fee may
be added.
Deductions taken from your retirement check are
always taken after any taxes have been deducted. If
your retirement check is not enough to cover all of
your monthly plan premiums, you will be billed for
the plan portion that could not be deducted. You will
receive invoices mailed to the home address on le.
Premium payments are due on the rst of every
month, with a 30-day grace period. (Exception:
January premiums are due upon receipt of the
coupons, with a 30-day grace period).
Unpaid invoices will be referrred to the State’s Central
Collections Unit (CCU) where an additional 17%
administrative fee will be added to the debt.