Already Retired? This page is your guide to maintaining your benefits, staying informed, and addressing important requirements as a City of Manchester retiree.

Steps for Retirees Turning 65

1. Medicare Coverage

• Medicare Parts A and B: To be eligible for the City’s Medicare Advantage Plan, you must be enrolled in both Parts A and B coverage.
• Need to enroll? Visit Medicare.gov or contact Social Security for in-person assistance at SSA.gov.

2. City of Manchester Medicare Advantage Plan

• The Benefits Team will mail packets to retirees turning 65 three-months in advance of their Medicare eligibility date. 
• Submit the completed Medicare Advantage plan enrollment form and copy of your Medicare card to benefits@manchesternh.gov to enroll.
• If declining, fill in page 1, write "decline" at the top, sign, date and return to benefits along with the insurance declination form.
• IMPORTANT: all documents are due no later than 30 days prior to your eligiblity date.

3. Stay Connected with Your Retirement System

• NHRS or Contributory Plans: Keep your contact information current with your retirement system and notify them of any updates affecting your benefits.

4. Review Your Retiree Benefits Regularly

• Explore Your Options: Review the current fiscal year’s NHRS and Contributory Rate Charts on the Retirement Infromation Page.
• Under 65 vs. Over 65 Plans: Ensure your plan aligns with your age and personal circumstances. Spouses may qualify for different plans based on their age.

5. Submit Monthly Premium Payments (Contributory Retirees Only)

• Payment Due Date: Payments must reach HR by the first day of each month to avoid disruption in coverage.

Important Information for Retirees

• Medicare Compliance: Your Medicare Part B must remain active to avoid penalties and retain access to the City’s health plans.
• Spousal Coverage: Spouses can remain on the applicable Under 65 or Over 65 plans depending on their age and your enrollment.
• Coverage Continuity: Health and dental coverage can only be reinstated if you maintain continuous employer-sponsored coverage.
• Vision Benefits: Vision coverage is not offered for retirees, but temporary COBRA options are available.
• Life Insurance: Basic life insurance remains active for 8 weeks post-retirement. You may port this coverage to an individual plan if desired.

Need Assistance?

For questions or support with forms, payments, or coverage options, contact the City of Manchester Human Resources Department. We’re here to help ensure you enjoy your retirement with peace of mind.