The Commonwealth provides retiree insurance benefits for active participants who become disabled. This section describes the eligibility requirements and benefits payable under disability retirement.
Disability retirement benefits include discounted health care premiums, group life insurance, and dental coverage. The Group Insurance Commission (GIC) administers all aspects of these benefits, including directly billing of the monthly premiums to you.
Active participants who become disabled must meet these criteria in order to participate in the Commonwealth’s program of disability retirement benefits:
Your Monthly Income Benefit (MIB) must be sufficient to pay the cost of your disability retirement benefits. Your MIB is considered adequate when the sum of your monthly insurance premiums does not exceed 70% of your gross MIB.
If your MIB is not adequate to pay your disability retirement insurance premiums, the GIC will send a bill to your home address each month for the cost of your benefits. You will be responsible for paying this bill on a timely basis, directly to the GIC.
You must begin receiving your Monthly Income Benefit (MIB) within 60 days of the later of:
Monthly Income Benefits (MIB) typically end when you reach age 65. At that time, you would begin a retirement income from your ORP retirement account.
Your benefits from the GIC will not change because you have stopped receiving MIB, and have begun a retirement income from your retirement account.
Please use the following resources to learn more about your retiree benefits and the ORP: