A PLANNING & REFERENCE GUIDE FOR CSEA MEMBERS

1 Local 1000 AFSCME, AFL-CIO 143 Washington Avenue, Albany, New York 12210 Danny Donohue, 2017 CSEA, S E AA PLANNING & REFERENCE GUIDE FOR CSEA MEMBERS Table of ConTenTsPresident s Message .. 1 Retiree Division Membership Application ..2 New York State Pension Information .. 5 Social Security ..14 Health Insurance Benefits ..15 New York State Employees ..15 Local Government & School District Employees ..18 Medicare ..20 Medicare Supplemental Plans (Medigap) ..21 Medicaid ..21 Long Term Care ..22 Tricare/VHA ..22 Prescription Drug Coverage ..23 Dental, Vision and Hearing Carroll & Associates Insurance Service Programs ..31 Taking Care of Business (Advanced Directives and Elder Law), CSEA Legal Services Plan, Personal Injury, Workers Compensation & Social Security Disability, Veterans Disability Benefits, AFSCME Union Plus Legal Services ProgramThe CSEA Retiree.

2 34 The Work Force Subscription Application ..36 PEOPLE Program Application ..38 REV. 4/17 The retirement GUIDE is designed as a roadmap to help you make the right choices about your future. It recognizes that after years of hard work, you need to know what options you have to guarantee you have a secure and dignified retirement . Likewise, CSEA/AFSCME is also an important component of that future because we are committed to protecting your rights and interests. Putting it simply, CSEA/AFSCME looks out for you. We lobby in Washington, Albany and your community. Protecting your pension and health insurance is our top priority; meanwhile, at the national level, AFSCME protects your Social Security and Medicare.

3 That s why you owe it to yourself to become a CSEA/AFSCME retiree member. On a personal level, membership has numerous benefits. It gives you an opportunity to socialize and maintain ties with former co-workers. It helps you stay up-do-date on current issues. It gives you access to a wide range of money-saving discounts and benefits available only to CSEA/AFSCME MEMBERS . Start taking advantage of one of the best bargains around and fill out a membership application today. To learn even more, check us out at In solidarity, DANNY DONOHUE PresidentCSEA retirement GUIDE1 PresidenT s MessageTo the Administrator of Membership Records: I am hereby applying for membership in the CSEA Retiree Division.

4 I understand that annual membership dues are $ of which $.50 is appropriated for political action : _____ Date: _____( P L E A S E P R I N T ) _____ _____First Name MI Last Name_____ _____MAILING ADDRESS number and street city state zip code_____ _____COUNTY E-MAIL ADDRESSLAST 4 DIGITS OF SOCIAL SECURITY NUMBER:_____ ( ) _____ Area Code Home Phone NumberBefore I retired, I was employed by _____ and was ( ) a member of CSEA Local _____ ( ) not a CSEA member ( ) a member of _____DATE OF retirement _____ MALE/FEMALE _____Dues, contributions or gifts to CSEA are not deductible as charitable contributions for federal income tax purposes.

5 Dues paid to CSEA, however, may be deductible as ordinary and necessary business MeMbeRship ApplicAtionCSEA Retiree Membership:This space for CSEA office use only Eligibility for membership is open to any person who, while actively employed, was a member or an associate member of the Civil Service Employees Association, Inc. and who has retired from active employment OR anyone who receives a retirement allowance from the New York State and Local retirement Systems or the New York Police and Fire retirement Systems. Membership year runs October 1st through September 30th. Effective Jan. 1, 2017 dues will be $ a year, paid direct or through monthly deduction from New York State and Local Employees retirement Systems pension allowances.

6 MEMBERS who choose to authorize dues deduction must fill out the form below and sign under Authorization for Pension Deduction. Payment of first year dues must be received. The monthly deduction of $ will appear under the miscellaneous code on your pension stub after your first year of direct pay membership. Receipt of a retirement allowance is required to process authorization. Membership becomes effective when the membership application has been processed and actual payment of dues is received. Make checks payable to CSEA, Inc. in the amount of $ for first year dues. Questions about retiree membership, dues deduction or requests for revocation cards should be directed to the CSEA Membership Department at 1-800-342-4146 Ext.

7 5926. Do not call the State retirement System about dues deduction. If you wish to discontinue dues deduction, you must authorize this revocation in writing, by completing a revocation card. This card may be obtained by contacting the CSEA Membership Department. To terminate dues deduction, the revocation card must be on file with the retirement System before the first of the month in which you want the deduction to end.( ) _____ Area Code Cell Phone Numberq OK TO RECEIVE TEXTS (please check box)pension DeDuction AuthoRiz AtionCSEA, Inc. / Local 1000, AFSCME, AFL-CIO143 Washington Ave., Box 7125, Capitol Station, Albany, New York 12224_____ _____Last Name ( P L E A S E P R I N T ) First Name _____MAILING ADDRESS number and street city state zip code( ) _____Area Code Telephone Number_____LAST 4 DIGITS OF SOCIAL SECURITY NUMBER retirement NUMBER (Required number printed on pension check)

8 Pursuant to Section 110-c of the retirement and Social Security Law, I hereby authorize deductions to be made from my monthly allowance from the New York State and Local Employees retirement Systems in the amount necessary to cover membership dues on my behalf to CSEA, Local 1000, AFSCME, AFL-CIO. Authorization is also given to make any changes the Union certifies to the retirement System as necessary in the amount of such dues. I, the undersigned, do hereby authorize you to deduct from my monthly allowance the amount of $ for payment of dues, or any amount as may be certified to you by the Union as my dues. I understand that CSEA, Local 1000, AFSCME, AFL-CIO is my agent and all requests to begin, modify, or revoke deductions must be submitted through the Union.

9 This authorization shall remain in effect until revoked by me by written notice through the Union or until otherwise revoked pursuant to _____Date Signature of Pensioner CUT HERECSEA retirement GUIDE4 Get ready for retirement !Anticipate change!Set goals!Visit the Retiree Member section York State and Local Employees retirement System (NYSLERS)Understanding Your Pension Benefits and Tier Status The NYSLERS pension plays an important part in your retirement PLANNING . There are six tiers that govern benefits for MEMBERS of the New York State and Local Employees retirement System. Each tier governs the method by which your service credit and final average salary are determined and for Tier 3, 4 and 5 MEMBERS , your plan coverage.

10 Your membership tier is determined by the date that you joined the retirement System. Tier 1 - MEMBERS who joined before July 1, 1973. Tier 2 MEMBERS who joined on or after July 1, 1973 and before July 26, 1976. Tier 3 MEMBERS who joined on or after July 27, 1976 and before September 1, 1983. Tier 4 Member who joined on or after September 1, 1983, and before January 1, 2010. Tier 5 MEMBERS who joined on or after January 1, 2010, and before April 1, 2012. Tier 6 - MEMBERS who joined on or after April 1, 2012. Note: There is no Tier 4 for all New York State correction officers or security hospital treatment assistants. Those who joined on or after January 1, 2010 are Tier 5 a better understanding of your tier membership and benefits, you should have a copy of the Summary Plan Description for the tier of which you are a member.