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  • Retirement Plans

    Benefit:

    Retirement Benefits

    Retirement Plan participation is mandatory for all eligible employees who are covered by one of the Arizona state retirement plans. These are defined benefit plans in which the County and the employee contribute a certain percentage of the employee's salary. Long Term Disability is only available through the Arizona State Retirement System and this benefit pays an employee when he or she is unable to work due to illness or injury for more than six months. The other retirement plans offer a medical retirement. 

    Retirement Brochure
    ASRS Enrollment Steps
                
    Arizona State Retirement System (ASRS)

    Phone: (520) 239-3100
    Address: 4400 E Broadway Blvd, Suite 200
    Tucson, AS 85067-3910 Website:  ASRS                                       

    Public Safety Personnel Retirement System

    PSPRS administers the retirement plans for:

  • Public Safety Personnel - Commissioned Officers
  • Corrections Officers Retirement Plan
  • Elected Officials Retirement Plan

  • Public Safety Personnel Retirement System (PSPRS)

    Phone: (602) 255-5575
    Address: 3010 E. Camelback Rd.
    Phoenix, AZ 85016-4416
    Website:  PSPRS

    Refer to Pima County Personnel Policy 8-112 for further information 

    - Pima Council On Aging
    Retirement Brochure

    Recorded Presentation Available

    Learn the simple steps you need to take when getting ready to retire from Pima County. Understand the differences in your benefit options, depending on your age when you retire. You'll also learn how to receive premium subsidies, the resources available, and who to contact for your retirement benefits.

    Visit the BeWell Presentations webpage and click on the "Recorded Presentation" tab to listen to the Retirement Presentation.

    To retire from Pima County, you will need to:

    1. Submit a letter of retirement to your appointing authority at least two weeks prior to your retirement date.
    You can always submit the letter earlier. Keep in mind that your actual retirement date is important. If your last day worked is the first of the month, then you will keep your current benefits and premiums through the end of that month. If your last day worked is the last day of the month, then your benefits end that day.

    2. Contact ASRS 60-90 days prior to retirement to apply for retirement. 
    The retirement application is available on the ASRS website but we always recommend talking to someone at ASRS prior to submitting the application. You can contact them at 520-239-3100.

    3. Decide about benefits going forward. 
    If you are considering retiring prior to 65, you can consider the following options: 
    • COBRA
    • Coverage through spouse
    • ASRS Retiree Insurance
    • Marketplace

     

    To retire from Pima County, you will need to:

    1. Submit a letter of retirement to your appointing authority at least two weeks prior to your retirement date.
    You can always submit the letter earlier. Keep in mind that your actual retirement date is important. If your last day worked is the first of the month, then you will keep your current benefits and premiums through the end of that month. If your last day worked is the last day of the month, then your benefits end that day.

    2. Contact ASRS 60-90 days prior to retirement to apply for retirement. 
    The retirement application is available on the ASRS website but we always recommend talking to someone at ASRS prior to submitting the application. You can contact them at 520-239-3100.

    3. Decide about benefits going forward. 

    Since you are retiring after 65, you can consider the following options:
    • Coverage through spouse
    •  Medicare
    You will want to contact Social Security 3 months prior to retiring to apply for Medicare.

    You do not have to enroll in any part of Medicare at the age of 65 because you may have our medical coverage. Pima County’s health coverage is creditable coverage which means you can stay enrolled in it and not receive the lifetime penalties for not enrolling in Medicare Part B. Those penalties are for people turning 65 who do not have creditable coverage. Here is some info directly from the Medicare website:

    medicare part a or b.jpg
    If you decide to stay enrolled with Pima County, when you retire Medicare will provide you with a form that we will fill out stating that you had creditable coverage. We fill them out all the time.

    One more thing to keep in mind is that you can keep contributing to your Health Savings Account (HSA). However, you will want to stop all contributions 6 months prior to retiring. That is because when you enroll in Medicare and/or start drawing Social Security after the age of 65, you will automatically be enrolled in Medicare Part A. They will backdate this effective date 6 months retroactively and make you out of compliance with the IRS. They will not backdate the coverage prior to your 65th birthday so there is no need to stop contributing prior to the age of 65. Here is some more info directly from the Medicare website:
    HSA contributions.png

    Health Savings Account

    To stop all contributions to your HSA including Pima County’s, you will want to change your HSA eligibility status to “HSA Not Eligible.”

    To do this, you will need to declare a life event in ADP.  Follow the instructions to update your HSA Eligibility Certification.
    ASI COBRA will automatically send you the paperwork (enrollment packet) 7 to 14 days after you retire.

    To enroll, fill out the enrollment packet forms and return them to ASI COBRA with a check for your first month’s premiums. You have a 60 day enrollment window and the effective date of the COBRA coverage will be retroactive to your first day of lost coverage.

    For example, if your coverage ends on 4/30 and you don’t return the enrollment information until 5/15 it would still be effective 5/1 since that is your first day of lost coverage.

    When you do apply for retirement, you most likely will qualify for a COBRA premium subsidy through ASRS. When you do retire and enroll in COBRA, we will automatically fill out the necessary paperwork and send it to ASRS. You can expect to start receiving subsidy checks about 3-4 months after your last day.

    ASRS makes the subsidy determination so if you are curious about the qualifications, you will need to contact them. 
     
    View the Monthly Rates for COBRA

    Keep in mind that COBRA coverage can last up to 18 months. After that 18 months you will need find benefits elsewhere. One option that you have is retiree insurance through ASRS. Your premium subsidy will be applied to these premiums as well so be mindful of that when pricing different benefit options. For more information on these plans, contact ASRS and/or visit this section of their website 

    One important thing to remember with COBRA coverage is that it is not creditable coverage. Meaning, if you will turn 65 before the 18 months of COBRA is over, to avoid lifetime Medicare penalties you will want to enroll in Medicare Part B when you turn 65. 

    Important Contact Information

    Specific Retirement Questions:

    Arizona State Retirement System (ASRS)
    Phone: (520) 239-3100
    Address: 4400 E Broadway Blvd, Suite 200
    Tucson, AZ 85067-3910
    www.azasrs.gov

    Public Safety Personnel Retirement System (PSPRS)
    Phone: (602) 255-5575
    Address: 3010 E. Camelback Rd.
    Phoenix, AZ 85016-4416
    www.psprs.com

    Social Security Administration
    Phone: (800) 772-1213
    Address: 3500 N. Campbell Ave.
    Tucson, Arizona 85719
     www.ssa.gov

    Help Through the Retirement Process:

    Pima Council On Aging:
    Phone: (520) 790-7262
    Address: 8467 E. Broadway Blvd.
    Tucson, Arizona 85710
    www.pcoa.org

    Cobra Questions:
    ASI Cobra
    Phone: (877) 388-8331
    Address: 201 W Broadway
    Columbia, MO 65203
    www.asicobra.com

    Deferred Compensation Questions:
    Ron Savageau-Nationwide
    Phone: (520) 664-5980
    Fax: (866) 996-4124
    ron.savageau@nationwide.com

    HSA Bank Questions:
    HSA Bank
    Phone: (800) 357-6246
    Address: P.O Box 939
    Sheboygan, WI 53082-0939
    www.hsabank.com

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    Employee Benefits

    150 W. Congress St., 4th Floor
    Tucson, AZ 85701

    Phone: (520) 724-8464
    Fax: (520) 724-8150


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