Update: Retiree Open Enrollment is coming soon! Please learn more here: Retiree Open Enrollment Website
Congratulations on your retirement! The following information is meant to help you through your time of retirement and making benefit decisions. Your active employee benefits will terminate when you retire. You have two WSU options for medical, dental and vision insurance when you retire:
- COBRA allows you to continue group medical, dental and/or vision benefits when you or your dependents become ineligible for university benefits. You will receive a COBRA package in the mail after your termination date. You will pay the full cost plus a small administrative fee to the WSU COBRA administration Businessolver, Inc. Under COBRA, the length of the benefit is dependent upon your age. If you are under age 65, coverage can extend for up to 18 months or age 65, whichever comes sooner. If you are over age 65, coverage can extend for up to 18 months. This is a continuation of your employee coverage, not necessarily a "retiree" plan. Click here to learn more about COBRA.
- WSU Retiree Medical Dental and/or Vision. Please learn more below.
Please find helpful information on retiree benefits below. For further information, please refer to the Retiree, Surviving Spouse and Long-Term Disability Recipient Benefits Handbook
- Medical Insurance
You may elect to continue your medical insurance through Wayne State University. You may enroll at the time of retirement, when your COBRA continuation ends or during Open Enrollment. The university offers five various plans. See plan options below:
Retiree Medical Plan Options Traditional Fee-for-service Plan Health Maintenance Organizations (HMO)
HAP (Group #: 10000664-1001)
HAP Pre & Post-65 Summary of Benefits
Medicare Advantage Plans
Aetna Medicare Plan (PPO) (Group #: 430700)
Aetna Summary of Benefits
HAP Senior Plus (HMO) (Group #: 1000064-1006)
HAP Senior Plus Summary of Benefits
If you choose to enroll in WSU retiree medical insurance you will be billed by the university's billing agent, Navia Benefit Solutions, on a monthly basis at the full group rate. If you are age 65 or older and retiring, Medicare will be your primary insurance. Your university retiree medical insurance will be secondary. You must provide the HR Service Center with a copy of your Medicare card as soon as you receive it.
You may enroll in a WSU retiree plan at time of retirement, after your COBRA ends or during Open Enrollment.
If enrolling in:
- Blue Cross Blue Shield, Blue Care Network, or Health Alliance Plan: Complete the Retiree Medical Plan Election Form. You will be billed monthly by Navia Benefit Solutions.
- HAP Senior Plus: Complete the HAP Senior Plus Enrollment Form. You will be billed monthly by Navia Benefit Solutions.
- Aetna Medicare Plan (PPO): Complete the enrollment form Aetna Medicare Plan (PPO) Enrollment Form and send the form directly to Aetna Employer Group, PO Box 7082, London, KY 40742. You will billed monthly directly from Aetna.
These forms should be returned to the HR Service Center via secure (encrypted) e-mail to email@example.com, mail or faxed to 313-577-0637. Retiree medical insurance rates apply beginning the first of the month following your date of retirement. You will be billed monthly for your premium by our billing agent, Navia Benefits Solutions (excluding Aetna Medicare Plan).
Please note: If you are 9-month faculty retiring at the end of the Winter Semester in May, your 9-month employee coverage is active through August 31. The retiree rate will apply beginning September 1.
If you or your spouse are age 65+
At the time of retirement:
If you are retiring and you (or your spouse, if you are planning on covering them on your plan) are age 65 or older, you (or your spouse) will need to apply for Medicare Hospital Insurance (Part A) and Medicare Medical Insurance (Part B) at your nearest Social Security office about three months before your date of retirement. The Social Security Office may give you a form to be completed by your employer to verify your retirement and your medical insurance status. Please mail or fax this form to the the HR Service Center via secure (encrypted) e-mail to firstname.lastname@example.org, mail or faxed to 313-577-0637. If we have a copy of your letter of retirement at the time we receive your form, we will be happy to complete the form for you and return it to you for delivery to your nearest Social Security Office.
If you are already retired:
If you are already retired and you (or your spouse, if covered on your plan) are turning age 65, you (or your spouse) will need to apply for Medicare Hospital Insurance (Part A) and Medicare Medical Insurance (Part B) at your nearest Social Security office about three months before the 1st of the month of Medicare eligibility (month of 65th birthday). Medicare will be your (or your spouse's) primary insurance. WSU retiree medical insurance will be secondary. You must provide the HR Service Center with a copy of you (or your spouse's) Medicare card as soon as you receive it. Your plan tier (and premium rates) will change at the time you (or your spouse) turns 65 and becomes Medicare eligible. If we don't receive a copy of your Medicare card showing coverage dates that coincide with Medicare eligibility dates (1st of month of 65th birthday), coverage will terminate for the Medicare eligible person at the end of the month prior to Medicare eligibility month.
Once you (or your spouse) have Medicare, please remember that Medicare will be your (or your spouse's) primary insurance and your coverage through Wayne State University will be secondary. For services the first month after your Medicare eligibility date, you will want to show both your Medicare card and your WSU retiree medical insurance card to your health care providers. It will make a difference in how they submit your claims.
If you plan to cover your spouse on a WSU retiree medical plan and are enrolling in either HAP Senior Plus or Aetna Medicare Plan (PPO), you must both be Medicare eligible and each person must complete a separate enrollment form.
- Retiree, Surviving Spouse, and Long-Term Disability Recipient Benefits Handbook
- Retiree Medical Rate Schedule
- AARP Insurance & Medicare Web Page
If you decide to terminate your BCBS, BCN, HAP, or HAP Senior Plus medical insurance coverage through Wayne State University, you must send a letter or complete the Retiree Medical Termination Form and send to either Navia Benefit Solutions or the HR Service Center (email@example.com). Your insurance will be canceled at the end of the month in which we receive your note. To terminate Aetna Medicare Plan (PPO) coverage, you must communicate your intentions directly to Aetna.
To terminate BCBS, BCN, HAP or HAP Senior Plus: To terminate Aetna Medicare Plan (PPO): Navia Benefit Solutions
PO Box 3961
Seattle, WA 98124-3961
WSU HR Service Center
5700 Cass Ave., Suite 3638
Detroit, MI 48202
Aetna Medicare Advantage Plans
P .O . Box 14088 Lexington, KY 40512-4088
If you no longer have medical insurance coverage through Wayne State University and you are a retiree, you can re-enroll in any of the plans following normal enrollment rules.
If you have any questions please contact our office at 313-577-3000 or firstname.lastname@example.org
- Dental Insurance
You may elect to continue your dental insurance through the WSU retiree dental plan with Delta Dental. You may enroll at the time of retirement, when your COBRA continuation ends or during Open Enrollment. If you enroll in the WSU retiree Delta Dental plan, you will be billed for the monthly premium by the university's billing agent, Navia Benefit Solutions.
- Vision Insurance
You may elect to continue your vision insurance through the WSU retiree vision plan with EyeMed. You may enroll at the time of retirement, when your COBRA continuation ends or during Open Enrollment. If you enroll in the WSU retiree EyeMed vision plan, you will be billed for the monthly premium by the university's billing agent, Navia Benefit Solutions. Vision insurance is available through EyeMed at the same level of coverage offered to active employees.
- Life Insurance
As a retiree, the university provides you with $2,500 in life insurance coverage. While you are preparing for retirement, this may be a good time to review your life insurance beneficiary designations and update them if necessary. In addition, you may convert a portion of your group life insurance to an individual direct-pay plan. Information about conversion is available here. If you have questions about the procedure or the rates, please call Sun Life Financial at 1-800-247-6875.
To update your beneficiaries, please submit: Retiree Life Insurance Beneficiary Designation Form
- Voluntary Benefits
Voluntary benefits can be continued during retirement. If you have Liberty Mutual home and/or automobile insurance or long-term care insurance with John Hancock or Trustmark, please contact the respective company two to three weeks before your date of retirement to change to home billing.
- Vacation and Illness Bank Payoff
Employees in certain classifications are eligible for a payoff of their vacation days and one-half of their accumulated illness bank up to a maximum 225 hours' pay. Please refer to your labor contract or the Non-Represented Employee Manual for details. The payoffs are included on your last check as an active employee. Please contact Payroll with any questions.
- Retiree OneCard
To obtain your Retiree OneCard, which will provide you access to other retiree benefits, please visit or contact the OneCard/Parking Service Center after you have received your last active employee paycheck.
- Parking, E-mail, Tuition & Discounts
Retiree Benefit Contact Information Free university parking (Parking Structures 1-5 & 7-8).
OneCard/Parking Service Center
Continued e-mail access - this is automatically set up for retirees Computing & Information Technology
Discounted rate at Mort Harris Recreation and Fitness Center (RFC) & Matthaei Center
Mort Harris Recreation and Fitness Center
Senior Citizen Reduced Tuition Library Access retiree borrowing privileges Show Your OneCard & Save Discounts Website: https://onecard.wayne.edu/show-your-onecard
- Retirement Investments
For information regarding the various options available to you through TIAA and/or Fidelity Investments, please contact the companies directly. TIAA can be reached at 1-800-842-2776 (New York) or at 1-800-842-2044 (the Southfield regional office) for individual counseling. Fidelity counselors can be reached at 1-800-343-0860. For information regarding Social Security Retirement benefits, you may drop by your local Social Security Administration office, call their toll-free number at 1-800-772-1213, or visit their Web site at www.ssa.gov.
Please contact us if you have questions.