UAW Retiree Medical Benefits Trust
Pre-Retirement and Retirement Initiation
When you make the decision to retire, you should be advised that coverage through the Trust as a retiree differs from active employee coverage in the following ways:
  • Monthly contributions are required – automatic pension deduction is encouraged 
  • Eligibility rules for children are different 
  • Some carriers and plan options are different 
  • Traditional Care Network (TCN) plans have deductibles, co-pays and out-of-pocket maximums 
  • Health Plans have benefit coverage differences compared to active plans 
  • Prescription drug co-pays are higher 
Download the "Welcome to the Trust: Quick Reference Guide." Published in 2016, this book is designed to provided a brief overview of the Trust and the provided benefits, and will be mailed to you upon retirement (note: click on the terms bolded throughout the book to be directed to the glossary for more information). Additional information can be found in the Summary Plan Description (SPD) and auto-specific Health Care Benefits Summary (Schedule of Benefits)

Keeping in mind the health plan options at the Trust may be different than those at the autos, if the health plan is available - all data, including dependent information will automatically transfer to the current plan. If the health plan is not available, you (the retiree) and any dependents will be transferred to Traditional Care Network (TCN). If other plans are available in their geographic area, you can make a plan option change by contacting Retiree Health Care Connect (RHCC) within 30 days of retirement. If you contact RHCC after 30 days of retirement you will be able to make the plan change based on rolling enrollment rules. Plan changes will be effective the first day of the second month following the change request and members will receive new ID cards from the carriers.

You are required to contribute monthly toward the cost of your health care. Contributions are generally set for automatic pension deduction unless otherwise indicated or sufficient funds are not available. It is strongly recommended contributions be deducted from pension payments to avoid disruption.

You should also be aware that deductibles and copayments for the health plans may be different from those of active employees. A "Welcome to the Trust: Quick Reference Guide," Summary Plan Description (SPD) and auto-specific Health Care Benefits Summary (Schedule of Benefits) will be sent to you upon receipt of retirement information at RHCC. 

Since health care coverage is being transferred to the Trust, you should start the retirement process at least 30 days prior to the effective date to allow for the transfer of data to the Trust.
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