In the event of your death, your Surviving Spouse/Domestic Partner may continue his/her health coverage if:
- He/she is covered as a dependent at the time of your death
- He/she is eligible to receive a monthly continuance allowance from LACERS
- His/her monthly continuance allowance is enough to pay his/her monthly medical premiums
Your Eligible Surviving Spouse/Domestic Partner must re-enroll in your medical and/or dental plan within 60 days of your death.
If he/she was not covered in a health plan at the time of your death, he/she may enroll during Open Enrollment if he is receiving a continuance allowance from LACERS.
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 years of Service (minimum of 10 years)
- When you would have been age 55
- Your Surviving Spouse/Domestic Partner's eligibility for Medicare
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% |
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 Service. Otherwise, the calculation is as follows, based on your years of service:
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.
Note:
Eligible Surviving Spouses/Domestic Partners do not receive Medicare Part B premium reimbursements, nor do they receive dental subsidies.