Oakland County, MI
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Oakland County Retirement
retirement@oakgov.com
Health Care Schedule
Oakland County offers retiree health care coverage to eligible employees hired before 01/01/06.
Employees hired after 01/01/06 and those employees that converted from VEBA, receive a Retirement Health Savings Account (RHS) - Schedule D.
Health Care Schedules
Oakland County has four Retiree Health Care Schedules: A,B,C and D.
View the full version of the Retiree Health Care Eligibility Schedule document.
| Retiree Health Care Schedule | Hire Date |
|---|---|
| Schedule A | Hired prior to 09/21/85 |
| Schedule B | Hired on or after 09/21/85 and before 01/01/95 |
| Schedule C | Hired on or after 01/01/95 and before 01/01/06 |
| Schedule D Dates may vary by bargaining unit. |
Retiree Health Savings (RHS) Account if hired on or after 01/01/06 |
Retiree Health Care Eligibility
Once an employee has met the required years of service and required age, you are eligible for health care coverage as a retiree from Oakland County. The eligibility is dependent upon your date of hire as an eligible for benefits employee. The schedule on the following pages applies to non-represented employees. If you are represented by a bargaining unit, the dates may vary and you are encouraged to contact the Retirement Unit to determine which schedule applies to you. In all cases, except as specified differently by some Sheriff bargaining agreements, you must have met the requirements specified on the following pages and be at least age 60 with 8 years of service or age 55 with 25 years of service for coverage to commence.
At age 65 or sooner, if you or your dependents become eligible for Medicare due to a disability, Medicare becomes the primary coverage and the coverage available through the County becomes secondary. Standard dental coverage and standard vision coverage is also available to retirees.
A - 8 Year Schedule of Eligibility
Employees hired prior to September 21, 1985 are eligible for full family health coverage at retirement. Age 60 with 8 years of service or Age 55 with 25 years of service.
B - Revised Schedule of Eligibility
Employees hired on or after September 21, 1985 and before January 1, 1995. Dates may vary by bargaining unit.
Paid Health Coverage
| Total Actual Service with Oakland County | Direct Retirement | Deferred Retirement |
|---|---|---|
| Less than 8 years | None | None |
| 8 – 14 years | One Person* | None |
| 15 – 19 years | Family | One Person* |
| 20 years or more | Family | Family |
*Retiree has the option to pay the difference for a family policy.
C – 15 Year Schedule of Eligibility
Employees hired on or after January 1, 1995 and before January 1, 2006. Dates may vary by bargaining unit.
| At Completion of: | Percentage of Retiree Paid |
|---|---|
| Up to 15 Years | 0% (No Care** Coverage) |
| 15 Years | 60% |
| 16 Years | 64% |
| 17 Years | 68% |
| 18 Years | 72% |
| 19 Years | 76% |
| 20 Years | 80% |
| 21 Years | 84% |
| 22 Years | 88% |
| 23 Years | 92% |
| 24 Years | 96% |
| 25 Years or more | 100% |
**This is the percentage the County would pay toward a Single person or Family plan, depending on the plan the employee was enrolled in at the time of retirement. The employee would be responsible for the difference between this amount and the current full cost of their health plan, plus any deductibles or co-pays.
D – Retiree Health Savings Account (RHS)
Employees hired on or after January 1, 2006 (dates may vary by Bargaining Unit) will not be eligible for retiree health, dental or vision coverage through the Oakland County. A Retirement Health Savings (RHS) account will be set up for full-time benefits eligible employees at a contribution amount of $75** per pay (**Some bargaining units may differ). Please refer to the Retiree Health Care Schedule for vesting.