Thinking about retiring? To enroll in a retiree plan offered by the Teachers Health Trust, a retired employee must meet ALL of the following requirements:
Eligibility Age and Work Status
Retire from active employment with Clark County School District between the ages 52-64
Be continuously employed as a CCSD licensed employee since Spring 2014 or earlier (if your employment began after Spring of 2014, you are not eligible for retiree benefits)
Be PERS eligible at the time of retirement
Be enrolled in a THT plan as an active licensed employee for at least 5 years (60 months) immediately preceding retirement (time enrolled in a THT COBRA plan does not count towards the 60 month requirement)
Must enroll (or be eligible to postpone enrollment) in the Teachers Health Trust Retiree Plan within 31 calendar days of their loss of active employee coverage
For the full eligibility requirements, see the Summary Plan Description.
(Retirees whose hire date is before December 1, 1989, and who meet the above eligibility criteria are eligible for one month of retiree coverage at no cost when they enroll.)
Why are there strict eligibility requirements for retirees?
These requirements are based on eligibility rules from the former Retiree Health Trust, which was active until Spring 2014. When that program ended, an agreement was put in place for Teachers Health Trust to continue providing retiree benefits to individuals who were eligible for the Retiree Health Trust at that time. While the Retiree Health Trust was active, eligible teachers contributed monthly premiums to help fund their future retiree benefits.
What if I’m not eligible for (or don't want) a THT retiree plan?
If you do not meet the requirements for a Teachers Health Trust (THT) retiree plan, you still have other coverage options:
COBRA coverage: All retirees are eligible for up to 18 months of COBRA continuation coverage. This option often helps bridge the gap until you become eligible for Medicare at age 65.
Medicare: If you are age 65 or older, you may be eligible to enroll in Medicare. This may be your primary coverage option, depending on your situation.
Affordable Care Act (ACA) plans: You may also choose to enroll in an individual plan through the ACA marketplace. A licensed health insurance broker can help you review options and enroll in a plan that fits your needs.
Each option has different costs and coverage levels, so it’s important to review them carefully.
Am I eligible to postpone my retiree enrollment?
Retirees can postpone their enrollment in the Teachers Health Trust Retiree Plan for up to 5 years if their partner is an active licensed CCSD employee and enrolls them as a dependent on their THT plan (excluding COBRA plans).
By postponing their enrollment, retirees also waive their $10,000 life insurance benefit. Upon enrolling on a retiree plan, the life insurance benefit will be reinstated, and the retiree can designate beneficiaries.
To submit a postponement request, contact THT Member services.
Retirees who have had their postponement request approved may enroll in the Retiree plan during an open enrollment period or within 31 calendar days of loss of coverage under their partner’s active employee THT plan.
After the 5 year postponement window has passed, retirees will not be eligible to enroll in any THT retiree plan anytime in the future.