• Retirement Benefits FAQs
    Below are some of the most common questions our retirees ask about their benefits after retirement.
     
    Make sure to read these retirement benefits FAQs entirely.  Reading each question and answer in its entirety will help you stay informed about rules, requirements, and regulations.
     
    Do I Qualify?
    You qualify only if you have 10 or more years of SAUSD service in a "benefited position".
     
    "Benefited position" means you were eligible for health insurance coverage.  Your years of service are counted whether or not you were enrolled in an SAUSD health plan while in benefited position.
     
     
    How Many Years of Coverage Will I Get?
    Certificated Employees Hired Before April 28, 1999 and
    Classified Employees Hired Before July 1, 1998
    10 years of service = 8 years of coverage or until age 70*
    15 years of service = 9 years of coverage or until age 70*
    20 years of service = 10 years of coverage or until age 70*
    25 years of service = 11 years of coverage or until age 70*
    30 years of service = 12 years of coverage or until age 70*
    35 years of service = 13 years of coverage or until age 70*
    *which ever comes first
     
    Certificated Employees Hired After April 28, 1999 and
    Classified Employees Hired After July 1, 1998
    10 years of service = 8 years of coverage or until age 65*
    15 years of service = 9 years of coverage or until age 65*
    20 years of service = 10 years of coverage or until age 65*
    25 years of service = 11 years of coverage or until age 65*
    30 years of service = 12 years of coverage or until age 65*
    35 years of service = 13 years of coverage or until age 65*
    *which ever comes first
     
    I Qualify.  What Now?
    Sign up for the Retirement Benefits Program, if you are ready.  You are ready to sign up for the program if you...
    1. Submitted your resignation to Human Resources
    2. Submitted your application for retirement to your retirement system (CalSTRS for Certificated.  CalPERS for Classified)
     
    Please provide the following documentation to our office to sign up:
     
    I. Copy of Your Retirement Application
    Our office requires a copy of the first page of your retirement application to your retirement system.  (CalSTRS for Certificated.  CalPERS for Classified.)
    • All of your financial information may be blacked out prior to submission
    • The application page must be stamped received by your retirement system
    • The acknowledgement letter you receive from your retirement system is also accepted
     
    Completed in its entirety, this application will help our office setup your retirement benefits.  Please note that any incomplete forms will not be accepted.
    • Incomplete applications will not be accepted
    • Make sure to read each statement in its entirety and initial on the line provided.  Reading each statement in its entirety will help you stay informed about rules, requirements, and regulations
     
     
    Do I Have to Pay Anything?
    Yes.  The same amount you are paying now.  The only difference is, retirees pay on a 12-month basis rather than 10-months.
     
    Keep in mind that rates may change every year on July 1.
     
     
    What About My Dependent's Coverage?
    They will remain on your benefits as long as you are eligible or until you drop them from your benefits.
     
     
    What Happens to My Dependent's Coverage If I Pass Away?
    They will remain covered by the District's insurance for 6 months for free.  After the 6 months, your dependents will be eligible to purchase COBRA Continuation Coverage for an additional 30 months at the prevailing rates.
     
     
    What About Medicare?
    You have to enroll in Part A and Part B only.  Your SAUSD retirement benefits cover the rest.
     
    SAUSD does not pay your Medicare Part B premium.  Part B is at your own cost.  Part A is usually free.  This means, you have to pay for both your SAUSD coverage and Medicare Part B at your own expense.  Call Social Security to find out how much they are going to charge you for your Medicare, (800) 722-1213.
     
     
    What Happens When I Get Medicare?
    Medicare becomes your primary insurance. 
     
    If you are enrolled in Kaiser, you must enroll in the Kaiser Senior Advantage plan by completing Kaiser's Senior Advantage enrollment form.
     
    If you are enrolled in one of our Blue Shield HMOs, you have the option to switch to Blue Shield's 65 Plus plan.  Switching to Blue Shield's 65 Plus plan eliminates the monthly cost for each individual enrolled.
     
    If you are enrolled in the Blue Shield Spectrum PPO, your coverage remains to same.  All you have to do is give the doctor's office both your Blue Shield and Medicare cards when you visit their office and they will take care of the rest.
     
     
    As a Teacher I Never Paid in to Part A.  What If I Don't Qualify for Medicare?
    Call CalSTRS, 1 (800) 228-5453.  CalSTRS currently purchases Part A for retirees who do not qualify.
     
     
    What Happens If I Move?
    Keep in mind that SAUSD's HMO plans are California plans only.  If you have an HMO and move out-of-state, you have to enroll in and pay for a plan that services your new area, like the PPO.  In order to enroll in our PPO plan, you must complete the Retired Employee Enrollment Form and submit it to our office as soon as possible before your move.
     
    If you already have a PPO and move, call Blue Shield, or check their website, for a list of providers in your new area.
     
     
    What happens to My District Life Insurance coverage?
    Your District-paid life insurance coverage will end however, you have the option to convert the coverage in to an individual plan at a discounted rate.
     
    In order to convert the District-paid life insurance coverage to an individual plan, complete the Request for Group Life Conversion Materials and Group Life Portability Insurance Application then send those forms to The Standard Insurance Company within 31 calendar days of your retirement.
     
     
    I Need More Information About State Retirement.  Who Do I Call?
    Certificated retirees should call CalSTRS, 1 (800) 228-5453.
    Classified retirees should call CalPERS, 1 (888) 225-7377.
     
     
    Will I Get Information About My Coverage While I'm Retired?
    Yes.  We always have coverage information available on our website for your convenience.
     
    We also mail you important information such as Open Enrollment materials and important coverage change notices.
     
     
    What happens when my retirement benefits end?
    You may enroll in COBRA Continuation Coverage (usually 18 months of coverage) or into SAUSD's Self-Pay plan.
     
    Most retirees enroll in the Self-Pay plan because they can keep this plan indefinitely or until they find more affordable coverage.  To view rates for COBRA or Self-Pay visit our Rates page.
Last Modified on February 26, 2020