Continuous coverage waiver

​​If eligible, you or your spouse may postpone enrollment — or waive coverage — in Medicare Supplement and preserve the right to enroll in Medicare Supplement at a later date.

The rule of 70

  • You must be age 55 or older when you terminate eligible active service.
  • You must have at least five years of Medical Plan participation.
  • The sum of your age and years of Medical Plan participation at termination must equal 70 or more.

You or your spouse may postpone enrollment in Medicare Supplement if you

  • meet the Rule of 70; and
  • are covered by other qualified health coverage, such as medical continuation coverage through the Board of Pensions available to you at termination of active service or healthcare coverage through your spouse’s employer.

If eligible, you may enroll in Medicare Supplement at a later date only if the Board has your completed, signed waiver on file, per the instructions below.

To waive coverage

If you are Medicare-eligible: To waive Medicare Supplement coverage, you must have other qualified health coverage through an employer-sponsored plan. Complete the personal information, waiver, and authorization portions of the Medicare Supplement Enrollment, Waiver, or Withdrawal form. Submit the form to the Board before your last day of medical coverage as an active employee.

The Medicare Supplement Enrollment, Waiver, or Withdrawal form is included in the personalized retirement packet you receive after you notify the Board of Pensions of your retirement date. Three to six months before your retirement date, call the Board at 800-773-7752 (800-PRESPLAN) to request a packet and submit the completed form at least 45 days before your retirement date, but no later than 30 days after your last day of medical coverage through the Board as an active employee.

If you are not Medicare-eligible: If you retire before age 65, you can preserve the right to enroll in Medicare Supplement at a later date in one of two ways:

  • You may waive participation in Medicare Supplement coverage and enroll in medical continuation coverage until you reach age 65; or
  • You may waive medical continuation coverage if you have other qualified health coverage; for example, through your spouse’s employer. To waive this coverage, complete and return to the Board the Medical Continuation Subscription or Waiver form. This waiver will apply for the entire period you would have been able to have medical continuation coverage. In other words, you cannot waive coverage and enroll in medical continuation coverage at a later date. You can, however, enroll in Medicare Supplement when you turn 65 provided you have continuously maintained other qualified health coverage up to that time.

Important: You may not enroll in Medicare Supplement at a later date unless you have a waiver on file.