Overview

The University provides a broad range of coverage for retirees that are age 65 or older.  Listed below is a summary:

Medical

  • The University provides medical benefit coverage that either complements Medicare or serves as a replacement to traditional Medical programs.  The coverages include:
    • Two plans complement Medicare.  They are UPMC’s National Complementary Program or Highmark’s Signature 65 Program
    • Four Preferred Provider Organization (PPO) programs are offered.  Two by Highmark and two by UPMC Health Plan.   PPO’s offer a greater level of flexibility that includes coverage if you need non-emergency services outside of the Western PA area.
    • UPMC Health Plan offers a Health Maintenance Organization (HMO) option that provides coverage very similar to the popular Panther Gold plan offered to active faculty and staff.

Dental and Vision

  • United Concordia offers a program called Concordia Access that focuses on preventive and minor restorative coverage.  Discounts are provided for major restorative services.
  • Davis Vision offers a vision program similar to the Fashion Plan available to active faculty and staff.  

 Disability Benefits/Salary Continuance

  • Coverage is discontinued upon retirement.  There are some exceptions to this for long-term disability coverage

Life Insurance

  • Basic Life: Eligible retirees receive $1500 for each year of service up to a maximum of $15,000
  • Optional Life: It is “portable” which means you have the ability to continue optional life insurance at group rates.  No medical underwriting is required.

Long-term Care Insurance

  • Coverage may continue as long as you continue to pay the premium directly to Unum

Retirement Savings

  • You may leave any assets in your retirement account.