Suggested Questions for a Consultation with a Benefits Counselor

At what age may I continue my health and dental insurance in retirement?
Do I have to be enrolled in a NU health plan to be covered as a retiree?
Who is eligible ( PDF) to continue health insurance coverage through the University as a retiree?
Does the cost of retiree health insurance change significantly after I retire or when I reach age 65?
Can I continue my HMO coverage if I plan to move out of the area or if I plan to travel for extended periods of time out of the area?
What is the impact of Medicare on my health plan coverage and cost?
What are the differences between Medicare Part A and B?
Do I have to enroll separately in Medicare Part A and B?
Where do I obtain enrollment forms and when do I need to submit them?
What are my coverage options?
My spouse is currrently working and will continue working after I retire, can I add my spouse to my coverage at the time my spouse retires?
When is retiree health insurance effective?
Do I receive new membership cards?
Can I change health plans after I retire?
How do I learn more?
Are the co-payments the same after I retire?
What if I die, can my spouse continue health insurance coverage through the University?

Will I have enough life insurance coverage in the event of my death?
How do I know who I've designated as beneficiaries?
What is the cost if I choose to convert my NU insurance after I retire?
What steps do I need to take to continue coverage?
Many individuals perform an audit of their current benefit coverage and amounts. For example, do I still need life and accidental coverage amounts at the same level as when I had dependents under my care and my financial assets were modest?

I've worked at other Universities prior to coming to NU, how do I integrate the retirement or pension plans I had at those institutions into my overall retirement planning?
How do I know if I will have enough saved to cover my living expenses?
How can I find out what my options are at retirement?
Can I delay taking action or must I withdraw my accumulated funds at retirement?