Retirement/Retiree Information
HEALTH PLAN RATES and INFORMATION
- Retiree Insurance Rate Sheet 7-1-2025
- GIC Benefits Guide 7-1-2025
- GIC Required Documents for Coverage 7-1-2025
- Links to GIC Website and Member Plan Handbooks, Summaries of Coverage and Provider Search Tools
HEALTH PLAN FORMS
- GIC Employment Status Change Form – Town of Sudbury
- GIC Retiree Enrollment/Change Form – (Form-RS)
- GIC Form for Dependents 19 to 26
- GIC Handicapped Dependent Form
- GIC Master Hospital Limited Networks and Regional Products 7-1-2025
INFORMATION FOR RETIREES/RETIREE SPOUSES TURNING 65
The health plans you can enroll in after age 65 depend on whether you’re eligible for Medicare. If you or your spouse are turning 65, follow these steps:
1. Prepare: Watch these quick videos to learn about the Parts of Medicare and the GIC Medicare supplement plan enrollment process. You may also want to
read this article on how Medicare works with other insurances.
2. Determine Eligibility: About 3 months before you turn 65, Check your eligibility for Medicare (Parts A and B). If you’re eligible, apply for Parts A and B (you will not need Part D if you enroll in a GIC Medicare supplement plan). Review this checklist before starting your application. If you aren’t eligible, you can enroll/remain in the same health plans available to active employees.
3. Enroll: If you are Medicare-eligible, respond to the letter you should have received from the GIC or contact the Town HR office to enroll in a Medicare supplement plan (scroll to the bottom of the page for plan information).
For questions about Medicare, contact Medicare at 1-800-MEDICARE (1-800-633-4227) or take advantage of the SHINE Program, a service that provides free Medicare counseling (typically through your local Senior Center/Council on Aging). For questions about retiree health and dental insurance, contact the Town HR office at 978-639-3348.
RETIREMENT SYSTEM and PENSION INFORMATION
PERAC Retirement Guides
Public Employee Retirement Guide – Membership prior to 4/2/12
Public Employee Retirement Guide – Membership on/after 4/2/12
Social Security and Your Pension
NEW: Social Security Fairness Act Update
Information on the Windfall Elimination Provision
Information on the Government Pension Offset
CONTACT INFORMATION
Middlesex County Retirement System
25 Linnell Circle
Billerica, MA 01821
Website: https://middlesexretirement.org/
Phone: 978-439-3000
Mass. Teacher’s Retirement System
500 Rutherford Avenue, Suite 210
Charlestown, MA 02129
Website: https://mtrs.state.ma.us/
Phone: 617-679-6877