Retiree Insurance Overview

Retiree Insurance Eligibility

Retirees are eligible to continue medical, dental, vision, and voluntary life insurance coverage when the following criteria are met:

Individuals employed in a benefits eligible position on August 31, 2003:

  • At least age 55 with 5 years of retirement service credit with TRS, ORP, or ERS or age plus years of creditable service equals 80
  • At least 3 years of service credit with a UT System institution
  • The University of Texas System is the last qualifying state employer
  • Must retire through TRS, ORP, or ERS

Individuals whose first date of employment in a benefits eligible position was on or after September 1, 2003:

  • At least age 65 with 10 years of retirement service credit with TRS, ORP, or ERS or age plus years of creditable service equals 80
  • At least 10 years of service credit with a UT System institution
  • The University of Texas System is the last qualifying state employer
  • Must retire through TRS, ORP, or ERS

Review Retirement Service Credit for more details about the calculation of this credit.

Retiree Insurance Options

The University of Texas at Austin and the State of Texas provide 100% premium sharing for the retiree basic coverage package, and 50% premium sharing for dependent coverage.

Basic Coverage

Optional Coverage

Applying for Retiree Insurance

TRS retirees must complete the TRS Notice of Retirement form (online), and upload a copy of their Application for Service Retirement (TRS-30) directly to the form.

ORP retirees must complete the ORP Declaration of Retirement form (online).

Once HR – Benefits receives this form, they will verify your eligibility for retiree insurance, and then enter your expected retirement date into Workday.  Your department will not be able to process your separation with a reason of "retirement" until this step has been completed. 

Enrolling in Retiree Insurance

Your current medical, dental, and vision insurance elections, including coverage for your spouse and dependents, will automatically carry over into retirement.  You will also receive an email notification to log into My UT Benefits to enroll in voluntary life and make other changes.  If you do not receive this email within seven days after your retirement date, please check My UT Benefits to confirm whether you have an open enrollment event, and if not, contact the Human Resources Service Center. 

Paying for Retiree Insurance

The university will pay the full cost of your UT Select or UT Care medical insurance plan premiums, and half of the cost of your spouse and dependent's UT Select or UT Care medical insurance plan premiums.  You will be billed for the remainder of your out of pocket costs (even if you return to work).  If you fail to pay all of bill, your dependent and voluntary coverages will be canceled, and you will be required to pay a significant penalty to re-enroll yourself or your dependents in the future (including during Annual Enrollment). 

For more information about billing and retiree insurance premium payment options, please visit the Retiree Insurance Billing Information webpage on the Payroll Services website.

Additional Resources