Participation for Long-Term Disability Recipients

If you become eligible for long-term disability from the Missouri State Employees’ Retirement System (MOSERS), you are eligible to continue participation in your MCHCP plan provided you have had coverage since the effective date of the last Open Enrollment period. At the date of disability, if you did not have coverage through MCHCP but had other health insurance coverage for the six months immediately prior to your disability, you may enroll in an MCHCP plan. Proof of other insurance including effective dates of coverage and termination date is required.

You may continue coverage on your dependents, or they may be added to the MCHCP plan at the date of your disability if they had other health insurance coverage for the six months immediately prior to the date of your disability. Proof of other insurance coverage is required when you enroll with MCHCP. You may also add new dependents when they are first eligible. Once your coverage has terminated as an active employee, you pay the cost for the coverage for both yourself and your eligible dependents. A portion of the premium amount is paid by MCHCP, however, you are responsible for paying premiums whether or not you are notified by MCHCP.

If you are married to a State subscriber, you may transfer under your spouse’s coverage. If, at a later date, you wish to be covered individually and are eligible to do so, you may make that change as long as coverage is continuous. This change can be made any time it is financially advantageous.

If you become ineligible for disability benefits, you may continue coverage on yourself and your eligible dependents as a terminated vested subscriber, retired subscriber or through COBRA (whichever is applicable), unless you return to active state employment. If coverage is not maintained while on disability, you may enroll yourself and/or your dependents at the date you are eligible for retirement benefits as long as you had other health insurance coverage for the six months immediately prior to your retirement date. Proof of other health insurance coverage is required.

These provisions also apply to members of the Public School Retirement System who are eligible employees of a State agency.

If you or your spouse become Medicare eligible, you must notify MCHCP and submit a copy of your and/or your spouse’s Medicare card(s).