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Q: I have been an active teacher with the Clark County School District (CCSD) for 28 years, and I am going to buy my last 3 years so I will have 30 years of service for my retirement through the Public Employees Retirement System (PERS). How many years will count towards the RHT subsidy?
A: Only the actual number of years of employment as a licensed employee with the CCSD counts towards the subsidy.
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Q: If my spouse is a teacher, can I stay on his/her policy and then enroll in the RHT Plan when he/she retires?
A: No, you must enroll in the RHT Plan within 31 days from the date of your retirement. You can become a dependent on your spouse’s retiree plan; however, in this circumstance, you would not receive your subsidy.
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Q: I currently do not have my spouse on my active insurance policy. When I retire, can I add him/her to my RHT Plan?
A: No, only dependents that are covered on the plan immediately prior to your retirement would be eligible for enrollment. All other dependents would have to wait until a life event or annual open enrollment occurred.
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Q: If I died, would my dependent be eligible to stay on the RHT Plan?
A: Currently, dependents are eligible to continue coverage through COBRA for 36 months.
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Q: If I am over 65 and on the Secure Horizons Plan, can my spouse who is under age 65 enroll as a dependent in the RHT PPO Plan?
A: Yes.
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Q: I have been a teacher for ten years, was on a leave of absence for two years, and have been back and actively working as a teacher for a year; am I eligible to enroll in the RHT Plan if I retire now?
A: No, you would have to be actively working for an amount of time equal to the time you were on the leave of absence first. In this instance, you would have to continue working for an additional year, and then you would be eligible to enroll in the RHT Plan. You must be working 5 consecutive years immediately prior to retiring unless you work the amount of time equal to the time you were on leave. In any circumstance, your total time must be over 5 years prior to the date of retirement in order to be eligible to participate in the RHT Plan.
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Q: If I retire as a teacher and become an administrator, will I be eligible to enroll in the RHT Plan at a later date?
A: Yes, as long as you immediately become an administrator after you retire as a teacher, you would have 5 years from the date of your retirement as a teacher during which to enroll in the RHT Plan.
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Q: My spouse and I are both teachers, and we are both retiring; how should we enroll?
A: In order for each teacher to receive his/her subsidy, both retirees would need to enroll in individual plans.
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Q: I will be retiring and moving out of state. What are my benefits?
A: Retirees who live out of the service area or access benefits from non-contracted providers have a $250.00 calendar year deductible, after which 80% of the eligible medical expense (EME) is paid by the RHT.
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Q: If I have waived my health coverage and life insurance through the Teachers Health Trust, am I able to enroll in the Retiree Health Trust once I retire?
A: No, you must be enrolled in one of the Teachers Health Trust’s plans for 5 years immediately prior to your retirement date. To be eligible to enroll in the Retiree Health Trust, you must enroll for coverage at an annual open enrollment, be covered as an active employee through a Teachers Health Trust plan for 5 years, and then retire.
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