EUTF Retiree – FAQs

EUTF Retiree

I’m giving birth soon (or my wife is giving birth soon). How do I add my newborn?

You need to complete an EC-2 and submit to the EUTF within 180 days of the baby’s birth date. You choose the effective date: 1) date of birth, 2) First day of the pay period following the birth, or 3) First day of the Second pay period following the birth. You will need to submit the child’s birth certificate only if the child has a different last name from the employee and the child’s Social Security Number within 180 days of the date of birth.

I am getting married and want to add my spouse, what do I need to do?

You need to submit an EC-2 within 30 days of your marriage. Attach a copy of your marriage certificate or if it’s not available within 30 days, send it to EUTF within 60 days of your marriage. You can add your spouse to your current plans – you cannot change plans. The effective date of your new spouse’s coverage is the date of marriage or the first day of the first pay period after the date of marriage, or the first day of the 2nd pay period after the date of marriage for all plans except UnitedHealthcare’s Medicare Advantage Plan. For UnitedHealthCare’s Medicare Advantage Plan the effective date of of your new spouse’s coverage is the first of the month following the signature date on the EC-2 Enrollment form. Also, your new spouse must be enrolled in Medicare Parts A & B at the time of enrollment.

My dependent lost coverage from a non-EUTF plan and I wish to enroll him/her under my EUTF plan, what do I need to do?

You need to submit an EC-2 form within 30 days from loss of other coverage and include a loss of coverage letter from the previous employer/carrier detailing the type of coverage lost (i.e. medical, dental, drug, vision), date of loss of coverage, and names of any covered dependents. Also include a copy of dependent’s Medicare Part A & B card if eligible to enroll. You can add your spouse to your current plans – you cannot change plans. The effective date of coverage is the date of dependent’s loss of coverage in a non-EUTF plan for all plans except UnitedHealthcare’s Medicare Advantage Plan. For UnitedHealthCare’s Medicare Advantage Plan the effective date of coverage is the first of the month following the signature date on the EC-2 Enrollment Form. Also, the dependent must be enrolled in Medicare Parts A and B.

I am getting divorced, what do I need to do?

You need to submit an EC-2 form within 30 days of the date of divorce and include pages 1 and 2 of the divorce decree along with the signature page. If children are involved you need to include those pages that outline health benefits for children. The effective date of termination of coverage for your ex-spouse is the first day of the first pay period following the divorce.

My spouse has passed away, what do I need to do?

You need to submit an EC-2 form as soon as reasonably practical and include a death certificate or copy of obituary as soon as available. The effective date of termination of coverage is the date of death.

I wish to cancel EUTF plans due to acquiring coverage through a non-EUTF plan, what do I need to do?

You need to submit an EC-2 form within 30 days from the effective date of acquiring coverage elsewhere. Your effective termination date of coverage is the end of the pay period in which you acquire coverage from a non-EUTF plan, except when you acquire coverage from the non-EUTF plan on the first or 16th of the month, in which case coverage ends at the end of the prior pay period.

What and when is open enrollment?

Open Enrollment is your only opportunity to make changes without a qualifying event.  During Open Enrollment you can:

  • Add a plan, change from one plan to another, or drop a plan
  • Add a dependent or drop a dependent
  • Change coverage tiers such as changing from single to family or family to 2-party

You will be sent a Retiree Reference Guide which will notify you of the upcoming Open Enrollment period.  Please make sure that your address is up to date so that you don’t miss out on this and other EUTF communications.  Open Enrollment is scheduled from October 12 – October 30, 2015 for plan changes taking effect on January 1, 2016.

How and when will I be reimbursed for my Medicare Part B premiums?

The following must be submitted to the EUTF to receive reimbursement of Medicare Part B premium:

  1. Copy of your Medicare card showing enrollment in Medicare Part B;
  2. Medicare Part B Premium Reimbursement Request and Direct Deposit Agreement Form, and
  3. If you pay more than the standard Medicare Part B premium, a copy of the letter you receive from the Social Security Administration indicating the amount of your monthly Medicare Part B premium.

Under current law, the amount of your Medicare Part B reimbursement is the amount you are charged by Medicare (minus any penalties for late enrollment). Generally, your reimbursement will be deposited quarterly during the first week of April, July, October and January for the prior quarter. If you became eligible for Medicare Part B after July 1, 2006, your reimbursements must be direct deposited into your financial institution account. A direct deposit agreement form must be submitted to the EUTF.

Why am I required to enroll in Medicare Part B when I am eligible?

The requirement for all State and County retirees and dependents to enroll in Medicare Part B was set forth in Act 88, 2001 Session Laws of Hawaii. This Act created Chapter 87A, Hawaii Revised Statutes (HRS), which includes the following statute:

Section 87A-23(4): “All employee-beneficiaries or dependent-beneficiaries who are eligible to enroll in the Medicare Part B medical insurance plan shall enroll in that plan as a condition of receiving contributions and participating in benefits plans under this chapter. This paragraph shall apply to retired employees, their spouses or, and the surviving spouses of deceased retirees and employees killed in the performance of duty;”

How much will I pay for my retiree coverage?

The amount of the employer premium contribution is determined by statute and is based on three factors:

  • The date the employee was hired
  • The length of service taking into account breaks in service, and
  • The Base Monthly Contribution (BMC) amount which determines the amount the employer will contribute towards your retiree medical, prescription drug, dental, and vision coverage.

The BMC increases annually at the same rate as Medicare Part B premiums.

Years of Credited Service (Excluding Sick Leave)State's BMC if You Were Hired On or Before 6/30/1996State's BMC if You Were Hired On or Between 7/1/1996 - 6/30/01*State's BMC if You Were Hired On or After 7/1/2001
Less than 10 years50%0%0%
10 years but less than 15100%50%50%
15 years but less than 25100%75%75%
25 years or more100%100%100%

*The Employer’s percentage of the BMC determines the employer contribution. Any difference between the employer contribution and total premium for plans selected will be paid by the retiree.

Should the total premiums for medical, prescription drug, dental and vision coverage exceed the BMC, the retiree in a 100% tier will likely have to contribute a portion of their retiree premiums.

Who is eligible for retiree health benefits?

As a state or county retiree, you are eligible to enroll:

  • Yourself
  • Your spouse, domestic partner (DP), or civil union partner (CUP)
  • Your children under age 19.  Children under age 24 if unmarried and full-time student.  Dependent children include those by birth, marriage, stepchild, adoption or placement for adoption
  • Your child, regardless of age, who is incapable of self-support because of a mental or physical impairment that existed prior to the child reaching age 19.

In addition the following persons are eligible for Retiree health benefits:

  • The surviving spouse of an employee killed in the performance of the employee’s duty, provided he or she does not enter into another marriage or domestic partnership.
  • The surviving spouse of a deceased retiree or a deceased employee who at the time of death was eligible for retirement, provided he or she does not enter into another marriage or domestic partnership.
  • The unmarried child of a deceased retired employee, provided the child is under age 19 with no surviving parent who is eligible to be covered as a surviving spouse.