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Retirement and Changes to Your Benefits

Your benefits will change when you retire. Here are some things to consider.

Health Plan Coverage
If you are enrolled in a Tufts University-sponsored health plan, your health coverage will end on your last day worked. You may be able to continue coverage through one of these options:

You may be eligible for Health Plan Coverage if:

  • You are age 60 or older and have five years of eligible service with the university
  • OR your age plus your years of eligible service with the university equals 75 or more
  • AND you have been enrolled in a Tufts University-sponsored health plan for the 12 months before your retirement.

Your spouse or qualified domestic partner and dependent children under age 26 are also eligible for Retiree Health benefits if they have been enrolled in a Tufts University-sponsored health plan for the 12 months before your retirement date.
 

COBRA Continuation
At the time of your retirement, EBPA, the university's COBRA vendor, will send you rates and enrollment information for continuing your health coverage under COBRA. If you have questions about choosing the right option for yourself and your family, or if you do not receive a COBRA notice within two weeks of your retirement date, call EBPA at 1-800-258-7298.
 

Dental Plan Coverage
If you are enrolled in a Tufts University-sponsored dental plan, your dental coverage will end on your last day worked.

If you are eligible for Retiree Health, you and your eligible family members may continue dental coverage through the Tufts University Retiree Dental Plan offered through Delta Dental, starting on your retirement date.

At the time of your retirement, EBPA will also send you rates and enrollment information for continuing your dental coverage under COBRA. If you have questions about choosing the right option for yourself and your family or if you do not receive a COBRA notice within two weeks of your retirement date, call EBPA directly at 1-800-258-7298.
 

Vision Plan
If you enrolled in EyeMed Vision Care, your coverage will end on your last day worked. EBPA will send you a COBRA notice and information about continuing your vision coverage. If you do not receive a COBRA notice within two weeks of your last day worked, call EBPA at 1-800-258-7298.
 

Tufts University-Funded Life Insurance (Basic Life Insurance)
Your Tufts University coverage will end 31 days after your last day worked. You have the right to convert your policy to an individual plan for 31 days from your last day worked.

For more information about conversion, call Prudential at 1-800-778-3827 and refer to customer number 46493.
 

Employee-Funded Life Insurance (Supplemental Life Insurance)
If you are enrolled in supplemental life insurance, your coverage will end 31 days after your last day worked. You have the right to convert or port your plan for 31 days from your last day worked. You may convert up to and including the same amount of supplemental life insurance you had at Tufts to an individual plan. Alternatively, you can elect to port the lesser of five times your annual salary or $1,000,000. Exclusions and restrictions apply to conversion and portability.

For more information about conversion or portability, call Prudential at 1-800-778-3827 and refer to customer number 46493.
 

Dependent Life Insurance
Your coverage under Prudential’s Dependent Life Insurance for your spouse or children will end 31 days after your last day worked. For more information about conversion or portability for these policies, call Prudential at 1-800-778-3827 and refer to customer number 46493.
 

Accidental Death and Dismemberment Insurance
Your coverage under Prudential's Accidental Death and Dismemberment Insurance ends on your last day worked. There is no provision for continued coverage.
 

Long Term Disability (LTD) Insurance
Your Prudential's Long-Term Disability coverage will end 31 days after your last day worked. If you are retiring, there is no provision to continue your coverage.
 

Flexible Spending Account (FSA)
You may incur expenses for reimbursement from your Health Care and Dependent Care FSA accounts up to your last day worked. You must submit eligible expenses for reimbursement on or before April 30, following the close of the plan year in which the expenses were incurred. Salary reduction ends on your last paycheck.

If you are enrolled in the Health Care FSA, you may continue it through COBRA until the end of the current plan year if you have contributed more than you have been reimbursed in the year so far. However, your contributions will be on an after-tax basis. The university's COBRA vendor, EBPA, will send you a COBRA notice and information to help you decide whether to continue Health Care FSA coverage. Please call EBPA at 1-800-258-7298 if you have any questions.
 

Tufts University-Funded Retirement Plan (401(a) Plan)

Fully Vested:
If you have been an eligible employee at Tufts for at least three years, you are fully vested in the Tufts University-Funded Retirement Plan. This means you own the funds that have been contributed to your plan. The university will stop making contributions to your retirement plan when you leave or retire.

If you are fully vested, the earnings in your accounts will continue until you choose to withdraw or transfer your retirement plan funds. You will continue to have online access to your accounts to view statements and make investment changes.

Call Fidelity at 1-800-343-0860 or TIAA at 1-800-842-2776 for information on balance or distribution options. You will need to submit any distribution paperwork to Tufts Support Services (TSS) for plan sponsor approval.

Not Vested:
If you have been an eligible employee at Tufts University for less than three years, you are usually not vested. This means you do not own the funds that have been contributed to your retirement plan and the funds in your account will be forfeited.

 

Tufts University Self-Funded Retirement Plan (403(b) Plan)
If you were enrolled in the university's Self-Funded Retirement Plan, your participation will end on your last day worked. You are always 100% vested in this retirement plan. The earnings in your accounts will continue until you choose to withdraw or transfer your retirement plan funds. You will continue to have online access to your accounts to view statements and make investment changes.

Call Fidelity at 1-800-343-0860 or TIAA at 1-800-842-2776 for information on balance or distribution options. You will need to submit any distribution paperwork to Tufts Support Services (TSS) for plan sponsor approval.
 

Long-Term Care
If you were enrolled in either the CNA or Prudential LTC plan and would like to remain in the program, please call CNA at 1-877-777-9072 or Prudential at 1-800-732-0416 to speak with a long-term care advisor.
 

Legal Plan
If you were enrolled in the MetLaw Legal Plan, your coverage ends on your last day worked. This will not affect any current legal claim that is in process. You have the right to convert this plan for 30 days from your last day worked.

For more information about conversion, please call MetLaw's Client Service Center at 1-800-821-6400.
 

Tuition Remission Plan
If you or your family members are currently enrolled in a class at Tufts and have been approved for the Tuition Remission Benefit, your benefits will end on the last day of the current semester.
 

Staff Tuition Reimbursement
If you have completed paperwork under the Staff Tuition Reimbursement Program, you will be eligible for reimbursement only if you satisfactorily complete your class requirements before your last day worked at Tufts University.
 

MetLife Auto and Home Insurance
MetLife will automatically send you information about your options for continuing your coverage. You have the right to convert your plan to direct pay for 30 days from your last day worked. If you are interested in conversion, please call MetLife at 1-800-438-6388.
 

Pet Insurance
Nationwide will automatically send you information regarding continuing your coverage. If you are interested in continuing your benefits, please contact Nationwide at (877) 738-7874.
 

Commuter Benefits
Your commuter benefit ends on your last day worked or for the last time period you have purchased the benefit, whichever is later.
 

Self Service
Please use Employee Self Service (eServe) to keep your address and phone numbers current. This is important so that we can forward your tax documents to you at year end. If you encounter difficulties accessing your account, please contact Tufts Technology Services at it@tufts.edu or (617) 627-3376.
 

Tufts University hopes to continue its plans indefinitely, but reserves the right to amend, modify, or terminate plans at any time.