Retirement & Medicare Planning

Retirement & Medicare Planning

Planning for retirement is an important milestone. Understanding your benefits ahead of time can help you make informed decisions for your future.

Planning Ahead

Retiree health benefits and eligibility are based on your employment classification, years of service, and applicable collective bargaining agreements.

We encourage employees to review their agreements and connect with the Benefits team early in the planning process.

Who to Contact

If you are preparing for retirement, the following resources can help guide you:

• LEUSD Personnel Department
• LEUSD Safety/Risk Benefits Office
• CalPERS (Classified Employees): (888) 225-7377
• CalSTRS (Certificated Employees): (800) 228-5453
• Social Security Administration: (800) 772-1213

Before You Retire

To help ensure a smooth transition, be sure to:

• Review your benefit eligibility and available options
• Confirm your retirement date
• Contact the Benefits team for guidance and next steps

After You Retire

Your benefits and coverage may change after retirement depending on your eligibility and selected plans:

• Monthly premiums vary based on your plan and number of dependents
• You may continue coverage for eligible dependents
• Dependent coverage typically ends at age 26

If you retire and are not eligible for retiree benefits, coverage will end at the end of the month in which you retire.

Coverage & Plan Options

At retirement, you may:

• Select or change your medical plan
• Choose coverage that best meets your needs

PPO plans are generally accepted nationwide, while HMO or Kaiser plans may have geographic limitations.

Medicare Information

Medicare is a federal health insurance program for individuals age 65 and older.

When to Enroll

• The initial enrollment period begins 3 months before your 65th birthday, includes your birth month, and continues for 3 months after
• Medicare Part A (hospital coverage) is often automatic
• Medicare Part B (medical coverage) requires enrollment and a monthly premium

Important to Know

If you are enrolled in District retiree benefits, your coverage may change when you become eligible for Medicare. Coverage typically ends or transitions at age 65 based on your eligibility and enrollment.