LACERS - Eligible Surviving Spouse/ Domestic Partner

Eligible Surviving Spouse/Domestic Partner

Your eligible survivor (i.e., surviving spouse or domestic partner) may continue receiving LACERS medical/dental coverage at the time of your death, if he/she:

Was covered as a dependent at the time of your death; and
Is eligible to receive a LACERS monthly Continuance or Survivorship allowance; and
Has a LACERS Continuance or Survivorship allowance that is enough to pay any monthly medical premium payroll deduction; and
Re-enrolls in a medical/dental plan within 60 days of your death.

If your eligible survivor (i.e., surviving spouse or domestic partner) was not covered by a LACERS medical/dental plan at the time of your death, but is receiving a Continuance or Survivorship allowance from LACERS, he/she may enroll in a LACERS medical/dental plan during the annual Open Enrollment period (October 15-November 15).

Eligible Surviving Spouse/Domestic Partner Subsidy

Your Eligible Surviving Spouse/Domestic Partner is entitled to a medical subsidy if, at the time of your death, you were receiving or were eligible to receive a medical subsidy.

If you die prior to receiving your medical subsidy (e.g., while working for the City), your Eligible Surviving Spouse/Domestic Partner would be eligible to receive a medical subsidy on the date when you would have become eligible to receive your subsidy.

Your eligible survivor’s (i.e., surviving spouse or domestic partner) subsidy is based on:

Your years of City Service (minimum of 10 years)
The date you would have turned age 55*
Your eligible survivor’s (i.e., surviving spouse or domestic partner) eligibility for Medicare

*If you die prior to becoming eligible for your medical subsidy (e.g., while working for the City), your eligible survivor (i.e., surviving spouse/domestic partner) will receive a medical subsidy on the date when you would have turned age 55

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If you are the eligible survivor (i.e., surviving spouse or domestic partner) of a LACERS Member who retired on or after July 1, 2011 and who did not make additional retirement contributions pursuant to Los Angeles Administrative Code Section 4.1031.2(c), please refer to the 2013 Health Benefits Guide Supplement for your subsidy information and deduction charts. For more information, please contact LACERS.

NOTE: Eligible survivors (i.e., surviving spouses/domestic partners) are not eligible to receive any medical subsidy toward coverage for their dependents; they must pay the full cost of their dependents’ premiums through deductions from their monthly Continuance or Survivorship allowances.

If Your Eligible Surviving Spouse/Domestic Partner is under Age 65 or 65+ and has Medicare Part B-Only

The maximum monthly subsidy amount that your Eligible Surviving Spouse/Domestic Partner may receive is the Kaiser One-Party Non-Medicare monthly premium. To receive this amount, you must have at least 25 years of Service. Otherwise, your Eligible Surviving Spouse/Domestic Partner may receive 4% of the maximum subsidy for each year of your Service (a minimum of 10 years of Service):

Years of Service	% of Maximum Subsidy
10	40%
11	44%
12	48%
13	52%
14	56%
15	60%
16	64%
17	68%
18	72%
19	76%
20	80%
21	84%
22	88%
23	92%
24	96%
25	100%

If Your Eligible Surviving Spouse/Domestic Partner is over Age 65 and has Medicare Parts A & B

The maximum monthly subsidy amount that your Eligible Surviving Spouse/Domestic Partner may receive is equal to the monthly premium of his/her LACERS senior plan for One-Party with Medicare Parts A & B. To receive this amount, you must have had 20 years of Health Service Credit. Otherwise, the calculation is as follows, based on your years of Health Service Credit.

Years of Service	% of Their Senior Plan's 1-Party Monthly Premium
10-14	75%
15-19	90%
20+	100%

The medical subsidy may only apply if he/she is participating in a LACERS-sponsored medical plan or the Medical Premium Reimbursement Program (MPRP).

Any unused subsidy cannot be received as cash compensation or used to cover the cost of the health plan for a dependent.

Note:

Eligible Surviving Spouses/Domestic Partners do not receive Medicare Part B premium reimbursements, nor do they receive dental subsidies.

Health Providers
Anthem Blue Cross
Kaiser Permanente
MetLife Dental PPO
SafeGuard Dental HMO
SCAN
UnitedHealthcare
- Solutions for Caregivers
Vision Service Plan (VSP)