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SERS webinar details retiree insurance rules, TRAIL Medicare program and split-family coverage changes
Summary
The presenter outlined retiree group insurance enrollment through Central Management Services, the Total Retiree Advantage Illinois (TRAIL) Medicare Advantage Program, an opt-out cash incentive, and a split-family coverage rule effective July 1, 2025.
SERS presenter (Staff member, State Employees' Retirement System) reviewed retiree group insurance administered through the Illinois Department of Central Management Services (CMS), explained the TRAIL Medicare Advantage Program, described the opt-out cash incentive, and highlighted a split-family coverage rule taking effect July 1, 2025.
Why it matters: Insurance elections affect monthly premiums and coverage options for retirees and covered dependents; the TRAIL MAPD program and the split-family rule change how Medicare-eligible and non–Medicare-eligible dependents are covered and priced beginning July 1, 2025.
The presenter said SERS processes retiree insurance changes by submitting Form 3991 with the retirement packet; SERS…
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