Retiree Health Plans


If your employer has made contributions on your behalf for this specific health plan during retirement, you and your spouse may be eligible for TeamCare healthcare benefits.

Whether you qualify depends on several factors including your age, active health plan coverage, and, in many cases, your pension eligibility. 

The Retiree Health Plan provides health coverage until you reach age 65 or you become eligible for Medicare. For more information on Medicare, view Retiree Health Plan Benefits and Medicare.

If you qualify for Retiree Health Plan coverage, you will need to pay the required monthly contribution, which is determined by your retirement age and set by the Board of Trustees. This contribution can be deducted directly from your monthly Central States Pension Fund check.

The following information is only a summary. Full plan details and rules are available in your Summary Plan Description (SPD).

TeamCare Contribution Requirement

To qualify for eligibility, you must meet a TeamCare contribution requirement. On your eligibility date, you generally must have at least 40 weeks of active TeamCare contributions, in a plan which includes retiree coverage, in each of the last five years, or at least 40 weeks of active TeamCare contributions in at least seven out of the last 10 years immediately preceding the eligibility date.

Postpone Your Eligibility

Either you and/or your spouse may independently elect on a one-time basis to postpone Retiree Health Plan coverage to a later date, provided there is other health insurance coverage.

To postpone coverage at retirement or to voluntarily suspend current Retiree Health Plan coverage:
  • You must complete a Retiree Health Plan Postponement Form and return it to the Fund along with proof of other health insurance coverage (a letter of HIPAA Certification of Continuous Coverage, or a copy of your 1095-B).
  • Upon approval, we will suspend you and/or your spouse’s coverage and monthly contribution payment as appropriate. All coverage will cease at the end of the month in which the deferral form is received.

The coverage and monthly premium payment will remain suspended until you request to begin coverage again.

To reactivate coverage:
  • You must complete a Retiree Health Plan Reinstatement Form and return it to the Fund along with Proof of insurance for the period of other health coverage. This proof can be in the form of a letter or a HIPAA Certification of Continuous Coverage and must be supplied from the insurance company/employer.
  • You and your spouse will be required to pay the contribution rate based upon your age at your original retirement date.
  • Monthly premiums from you and your spouse will be required retroactively to the date the other insurance coverage ceases.

End of Member Coverage

Your coverage under the Retiree Health Plan ends on the earliest of the following:
  • The day you first become eligible for Medicare (usually age 65) — even if you elect not to take Medicare Part B.
  • The first of the month during which you cease to pay the monthly premium for coverage.
  • The date that you lose Retiree Health Plan eligibility as a result of a voluntary withdrawal by your employer. A voluntary withdrawal will occur whenever an employer opts to no longer be required to contribute to a TeamCare plan which includes retiree coverage.
  • Additional restrictions and full plan details are available in your Summary Plan Description (SPD).

Spouse Eligibility

Generally, your spouse becomes covered by the Retiree Health Plan when your coverage starts. If you get married after your coverage starts, your spouse’s coverage will begin on the date you get married. You are required to fill out the Retiree New Spouse Coverage Request Form and provide a copy of your marriage certificate to TeamCare within 60 days of marriage, and pay the monthly premium.

End of Spouse Coverage:
Typically your spouse’s coverage under the Retiree Health Plan will end on the earliest of the following:
  • The date of your spouse’s 65th birthday.
  • The date your spouse becomes eligible for Medicare — even if your spouse does not elect to take Medicare Part B.
  • The date the member loses Retiree Health Plan eligibility as a result of a voluntary withdrawal by the member's employer. A voluntary withdrawal will occur whenever an employer is no longer required to contribute to TeamCare.
  • Additional restrictions and full plan details are available in your Summary Plan Description (SPD).

Dependent Eligibility

The Retiree Health Plan generally covers only you and your spouse. However, under certain active plans, dependent eligibility is also available for children. Provided that either you or your spouse are eligible for either Retiree Health Plan RU or RV, a child will be covered to age 19, or to age 25 if they are a qualified student.

End of Dependent Coverage:
Your dependent’s coverage under UPS Retiree Health Plan RU and RV will end on the earliest of the following:
  • The date your spouse or child becomes eligible for Medicare, even if they elect not to take Medicare Part B.
  • The date you become covered by another benefit plan of TeamCare because you returned to work.
  • The first of the month during which you or your spouse ceases to pay the monthly coinsurance for coverage established by TeamCare.
  • The date that you lose Retiree Health Plan eligibility as a result of a Voluntary Withdrawal by your employer from TeamCare, either before or after your retirement.
  • The date your child turns age 19, unless they meet the eligibility requirement of a qualified student; or
  • The date your child turns age 25 or earlier if they are no longer a qualified student.

TeamCare Gold and TeamCare Advantage

TeamCare has partnered with Humana to offer Medicare eligible retirees the option of a Medicare Advantage health plan which was designed just for Teamster retirees.

Offered through Humana, the plans:
  • Combine Medicare Part A (hospital benefits), Part B (physician and other medical services) and Part D (prescription drug) into one complete benefits package.
  • Offer extra benefits and services for your well-being, including access to fitness centers, vision and dental discounts, emergency coverage worldwide, and Humana Active Outlook®, which is a health program and magazine.
  • There is virtually no paperwork for you to file since your provider will submit all your healthcare claims to Humana.
  • You may select any doctor or hospital that accepts Medicare.

Keep in mind, you must be enrolled in Medicare Part B prior to enrolling in any Medicare Advantage Plan available through Humana. Part B covers physicians and other medical services and requires a separate premium paid to Medicare. The Part B premium is deducted from your Social Security check.

TeamCare Gold provides a plan of medical and prescription benefits greater than original Medicare. TeamCare Gold plans are priced below the market value for similar Humana plans in your area.

TeamCare Advantage provides a plan of medical and prescription benefits greater than original Medicare to qualified Central States Pension retirees who have met the age and service requirement.   

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