Your Benefits in Retirement

If you are enrolled in the following plans, coverage for you and your eligible dependents enrolled at the time of your retirement will automatically continue as long as you pay any applicable premiums:

Your participation in the Long-Term Disability and Dependent Life Insurance plans ends upon retirement.  If you participate in a Health Care Flexible Spending Account, expenses incurred prior to the date of retirement are eligible to be reimbursed, unless coverage is continued under COBRA.  If you participate in a Dependent Care Flexible Spending Account, expenses are reimbursed up to the balance in the account at the time of retirement for expenses incurred through the end of the plan year of participation.

Dependents Eligible for Coverage on U-M Retiree Benefits

Only eligible dependents covered on our benefits at the time you retire may continue to be covered during retirement. Covered dependent children may remain on your benefits up to the end of the month in which they turn 26. No one can be added to your U-M benefits after you retire.

Transitioning to Retiree Benefits

When you retire, your U-M employee benefits end on the 1st of the month following your retirement date, unless you retire on the 1st of the month, in which case your employee benefits end on your retirement date.

Retiree benefits for which you are eligible start the 1st of the month following your retirement date, unless you retire on the 1st of the month, in which case your retiree benefits start on the 1st of the month. See the publication Your Retirement Benefits for more information.

Open Enrollment

Retirees participate in annual Open Enrollment to make benefits changes, with changes effective January 1. However, you may not add new dependents after you retire. Plan costs may vary each year.