Introduction Medical Plans Health Care Providers Contact Information Urgent Care Information Health Benefits FAQs Dental Plans Vision Plans Life Insurance, Accidental Death & Dismemberment Insurance Disability Plans
Current Benefit Rates
Employee Assistance Program Flex Spending - American Fidelity Liability Coverage VOYA Voluntary Group Term Life Insurance Program Workers' Compensation
COBRA Coverage Plans and Rates Summary of Benefits for Cobra Participants What Is a Qualifying Event? Can I Have More Than One Qualifying Event? Do I Have to Notify the District of Any Qualifying Events? What Is Continuation Coverage? How Do I Elect Continuation Coverage? How Long Can I Continue Coverage? Do I Have to Pay for My Continuation Coverage? Are there any Special Provisions Regarding Continuation Coverage? Can the District Terminate My Continuation Coverage Before the Maximum Coverage Period Ends? Who Can I Contact If I Have Questions About Continuation Coverage? May I Obtain Conversion Coverage When My Continuation Coverage Terminates? Do Special Provisions Apply to the Disabled?
Retiree Coverage Retiree FAQ Retiree Useful Links
Leave of Absence Safety In the Workplace Useful Website Links VEBA Resources
Insurance Staff

Retiree FAQ

Thinking of retiring? Here are some of the most common Insurance questions and answers.

Q. How do I know if I qualify for retirement insurance?

A. You must be enrolled in health benefits at the time of retirement and have a minimum of 10 consecutive service years with CUSD.  For CUEA members you must be a minimum of 55 years old and for CSEA members a minimum of age 50; CSEA members pay the full premium until age 53. 


Q. If I complete my contracted school year when does my insurance end?

A. Your coverage as an Active employee would end September 30.


Q. If I retire during the school year when does my insurance end?

A. At the end of the month you retire.  


Q. How much would my monthly premium be?

A. Rates are prorated starting with 10 consecutive service years with CUSD.  Once you have completed 20 consecutive service years with CUSD your medical will be at no monthly cost once you retire.  Click here to see the current year retiree rates.  Payments would be made directly to CUSD. 


Q. Can I keep my dependents on my plan?

A. Yes, you can cover any qualified dependents on medical but only a spouse under your dental plan.  Dependents would be at the full district cost. 


Q. Can I keep my dental coverage?

A. Yes, dental coverage is available for the retiree and their spouse at the full district cost. Dental coverage is not available to dependent children.  Dental is a one-time offer, if you do not elect to keep it at time of retirement you cannot enroll at a later time.  Click here to see the current year rates.


Q. Can I keep my vision coverage?

A. No, vision is not offered to retirees.


Q. Can I change my plans when I retire?

A. Not at the time of retirement. You retire with what medical/dental plan(s) you are currently enrolled in. 


Q. Do I still get to participate in Open Enrollment?

A. Yes, you will receive paperwork in the mail annually notifying you of the Open Enrollment period.


Q. When does my District Insurance coverage end?

A. Your coverage will end when you become Medicare eligible at the age of 65.  Certificated employees have the option to stay on medical coverage past Medicare eligibility but at the AB528 rates.  Certificated employees also have the option to keep dental past Medicare eligibility. 

Non-Discrimination Statement

The Capistrano Unified School District prohibits discrimination, harassment, intimidation, and bullying in all district activities, programs, and employment based upon actual or perceived gender, gender identity, gender expression, race, ethnicity, color, religion, ancestry, nationality, national origin, ethnic group identification, sex, sexual orientation, marital or parental status, pregnancy, age, physical or mental disability or on the basis of a person’s association with a person or group with one or more of these actual or perceived characteristics. Reference: AR 1312.3, BP 1312.3 and BP 5183.

Rich Montgomery, Executive Director, Human Resource Services/Compliance
33122 Valle Road, San Juan Capistrano, CA 92675
(949) 234-9200

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