Retiree Benefits

Retirees have a variety of plans to choose from, including a Medicare Advantage plan that is new this year, and a Medicare Part B plan exclusively for Medicare-eligible participants.

Open Enrollment is your annual opportunity to reconsider your City of Atlanta benefit options and make changes if appropriate for you and your family. The City continues to offer you a wide variety of benefit options, including two traditional Medical Plan options for non-Medicare-eligible retirees, three Medicare Advantage plans, a Medicare Part B plan, choices in Dental Plan coverage, a Vision Plan, and supplemental life insurance.


New for the 2017-2018 Benefits Plan Year

Tobacco Use Surcharge

As we announced in April 2017, a $50 per month surcharge will be added to your medical premium if you use a tobacco product.

The surcharge will not apply if you pledge to enroll in a tobacco cessation program, offered through your selected Medical Plan (BCBS or Kaiser), by September 1, 2017. You will need to be tobacco free for two months and complete a Tobacco Use Attestation Form, available from Employee Benefits.

Tobacco use is defined as any use of tobacco products within the past two months. It does not include the religious or ceremonial use of tobacco.

Extended Benefits Plan Year 

Our fiscal year 2018 Benefit Plan Year will be extended to 16 months (versus the current 12 months) to allow the City to move from a fiscal plan year (September to August) to a calendar plan year (January to December). The benefits of moving to a calendar year include making it easier to manage our enrollment season on the same schedule as other municipalities and companies.

The rates for the 2017-2018 plan year will run from September 2017 through December 2018. We will have a short plan year (from September 2018 through December 2018) to allow the participants to make changes to the Medical, Dental and Vision Plans before we move to the calendar year schedule. Additionally, the deductibles and out-of-pocket maximums for those plans will be extended during the September 2018 through December 2018 period. For example, in a non-Medicare plan, your $500 deductible for medical will be extended for 16 months instead of 12.


In the BCBS POS…

  • Premiums will decrease slightly,
  • Emergency Room visit copays will increase to $300 (a $50 increase), and
  • The ambulance fee per trip increases to $300 (a $50 increase).

Kaiser Permanente HMO

In the Kaiser Permanente HMO, premiums will increase slightly.

In addition… 

  • The Emergency Room visit copay will increase to $300 (a $50 increase).
  • The ambulance fee per trip will increase to $300 (a $50 increase).
  • The copay for a specialist office visit will increase to $35 (a $5 increase).
  • And the copay for filling a generic prescription drug will increase to $20 KP/$30 NWK (a $5 increase).

UnitedHealthcare Medicare Advantage

  • The deductible is $100 for individuals and is eliminated for families.
  • Premiums are increasing.

Kaiser Permanente Senior Advantage HMO

  • No changes to this plan, however, premiums are increasing.

Aetna Medicare Advantage

  • Individuals will now be responsible for a $100 deductible before the plan begins to pay.
  • Premiums are increasing.


Important Notices for Retirees

Special Note to Retirees

Special Note to Retirees

If you and/or your spouse are new enrollees to Medicare Parts A and B, you must attach a copy of your and/or your spouse’s Medicare card to the Open Enrollment Application and enroll in one of the following:

  • Kaiser Senior Advantage
  • UnitedHealthcare Group Medicare Advantage PPO
  • Aetna Medicare Plan PPO (with Medicare Parts A & B)
  • Aetna Medicare Plan PPO (with Medicare Part B only)

If you live in the State of Georgia, the following selections are available for the plan year September 1, 2016 to August 31, 2017:

Kaiser Permanente will continue to offer SENIOR ADVANTAGE to retirees who have both parts A and B of Medicare and live within their Senior Advantage Service Area, which is offered in 20 counties in the metro Atlanta area.

If you are a current Kaiser Permanente Senior Advantage member, Kaiser Permanente will automatically serve as your Medicare Part D provider. If you are a new member who selects Senior Advantage as your retiree health care plan option for 2017 – 2018, your application will include Part D enrollment information. For additional information regarding this benefit, please call Kaiser Permanente Customer Service at 404-233-3700.

UnitedHealthcare Group Medicare Advantage PPO is offered to retirees and/or spouses who have both parts A and B of Medicare. The national network will include all providers accepting Medicare and willing to accept UnitedHealthcare Group Medicare Advantage PPO reimbursements and rules. To participate in the Medicare Advantage Plan, you will have to complete a separate application, which will be mailed to your home by the Employee Benefits Office. In the future, if you want to change from one Medicare Advantage Plan to another Medicare Advantage Plan, you must notify the Employee Benefits office in writing.

Medicare-eligible retirees also can choose from the Aetna Medicare Plan PPO and Aetna Medicare Part B Only Plan.

Please Note:

If you are Medicare-eligible with a post-1986 hire date, you must enroll in Parts A and B of Medicare and enroll in a Medicare Advantage Plan. Since the City did not pay Medicare taxes for employees hired prior to April 1, 1986, and those retirees may not have Medicare eligibility through their employment with the City, may not have obtained eligibility through another employer, and did not enroll in Medicare Part B when they turned 65, the City will pay the buy-in penalty for retirees and their spouses age 65 or older to enroll in Medicare Part B.

If you sign up for any Medicare Advantage Plan (other than the City-sponsored plans listed above) that may be offered to you directly by various vendors, including just Medicare Part D for prescription drugs, YOUR COVERAGE THROUGH THE CITY OF ATLANTA WILL BE TERMINATED. If you have any questions about this, please call the DHR – Employee Benefits at 404-330-6036 before signing up for another medical plan of any type.

And remember, if you do not already have Medicare eligibility, the City will pay the buy-in penalty to enable you to become eligible. Then you can enroll in one of the City-sponsored plans for Medicare-eligible retirees.



Prescription Drug Coverage and Medicare


Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with the City of Atlanta and new prescription drug coverage first available January 1, 2006, for people with Medicare. It also tells you where to find more information to help you make decisions about your prescription drug coverage.

  • Starting January 1, 2006, new Medicare prescription drug coverages were made available to everyone with Medicare.
  • The City of Atlanta has determined that the prescription drug coverage offered by the City-sponsored plans for Medicare-eligible retirees are, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage will pay for the period September 1, 2017 – December 31, 2018.
  • Read this notice carefully—it explains the options you have under Medicare prescription drug coverage, and can help you decide whether or not you want to enroll. Anyone with Medicare can enroll in a Medicare prescription drug plan from November 15 through December 31 each year with no penalty. However, because you have existing prescription drug coverage that, on average, is as good as Medicare coverage, you can choose to join a Medicare prescription drug plan later.


Because your existing coverage is on average at least as good as standard Medicare prescription drug coverage, you can keep this coverage and not pay an extra penalty if you later decide to enroll in Medicare coverage.

For more information about this notice or your current prescription drug coverage:

Contact the DHR – Employee Benefits office for more information at 404-330-6036.

For more information about your options under Medicare prescription drug coverage:

More detailed information about Medicare plans that offer prescription drug coverage can be found in the following places:

  • Visit for personalized help.
  • Call your State Health Insurance Assistance Program (See your copy of the Medicare & You handbook for their telephone number.)
  • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.

For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available. Information about this extra help is available from the Social Security Administration (SSA). For more information about this extra help, visit SSA online at, or call them at 1-800-772-1213 (TTY 1-800-325-0778).

Remember: Keep this notice. If you enroll in one of the new plans approved by Medicare that offer prescription drug coverage after May 15, 2006, you may need to give a copy of this notice when you join to show that you are not required to pay a higher premium amount.

PLEASE NOTE: If you sign up for any Medicare Advantage Plan (other than Senior Advantage offered by Kaiser, UnitedHealthcare Group Medicare Advantage PPO, or Aetna Group Medicare Advantage) that may be offered to you directly by various vendors, YOUR COVERAGE THROUGH THE CITY OF ATLANTA WILL BE TERMINATED. If you have any questions about this, please call the DHR – Employee Benefits at 404-330-6036 before signing up for another plan.





Medical Plan Options

The City of Atlanta offers two traditional Medical Plan options for retirees who are not Medicare-eligible. It also offers three Medicare Advantage plans and a Medicare Part B plan for Medicare-eligible retirees. If you do not already have Medicare eligibility, the City will pay the buy-in penalty to enable you to become eligible. Then, you can enroll in one of the City-sponsored plans for Medicare-eligible retirees.

Traditional Medical Plan Options

Traditional Medical Plan Options

The traditional Medical Plan options available to you and your dependents if you or they are not Medicare-eligible are the same as those offered to active employees. For a chart showing a side-by-side comparison of the BlueChoice POS and Kaiser Permanente HMO Plans, see your enrollment guide. For details about these plans, click here.


Medicare Advantage Plans

Medicare Advantage Plans

The City of Atlanta offers four Medicare Advantage plans for its Medicare-eligible retirees. Following are details about these plans. For a chart showing a side-by-side comparison of these plans, see your Retiree Enrollment Guide.

UHC Group Medicare Advantage PPO

UnitedHealthcare Group Medicare Advantage PPO Plan

This plan provides a rich plan design and predictable costs with value-added programs and services. Benefits for retirees include:

  • Richer coverage than Original Medicare Parts A and B
  • Access to our national Medicare Advantage network of more than 420,000 health care providers
  • Limits to annual out-of-pocket expenses
  • The convenience of one ID card for both medical and prescription drug coverage
  • Coverage for retirees who travel or have a seasonal residence anywhere in the United States
  • Valuable additional services, such as NurseLine, disease management, and wellness programs at no additional charge

This Preferred Provider Organization (PPO) plan gives you the freedom to go to any doctor or other licensed medical professional that accepts Medicare, anywhere in the United States. The provider does not have to be part of the UnitedHealthcare network.

You have the flexibility to see providers in- or out-of-network. You pay the same copay or coinsurance whether your provider is in- or out-of-network.

For help in finding a network provider, call Customer Service at the number listed on the back of your ID card or view the online directory at

Customer Care

UHC’s customer care professionals can help you with topics such as:

  • Plan benefits and coverage levels
  • UHC value-added benefits, programs, and services
  • Provider networks and assistance in finding a provider
  • Issue resolution

Finding a UnitedHealthcare Medicare Advantage Provider

Visit to locate a UnitedHealthcare Group Medicare Advantage PPO provider or call Customer Service at the number listed on the back of your ID card.

Identification Cards

You will receive a UnitedHealthcare ID card for coverage that includes hospital stays, doctor visits, prescription drugs, and more.

Additional Benefits

Take advantage of the extra programs and services available with this PPO plan. Please note: the valued added products and services described on this page are neither offered nor guaranteed under UHC’s contract with the Medicare program. In addition, they are not subject to the Medicare appeals process. Any disputes regarding these products and services may be subject to the UnitedHealthcare grievance process.

NurseLine Services

NurseLine services by UnitedHealthcare are available 24 hours a day, seven days a week, at no additional cost to you.

NurseLine’s registered nurses focus on finding you the right care, right provider, right medication, and the right lifestyle. Registered nurses can help you:

  • Find a doctor
  • Discuss treatment options
  • Understand medications, learn about potential side effects, and discover generic prescription options
  • Develop healthy habits with simple tips to help you stay on track
  • Explain routine screening or immunizations based on your age and overall health

The SilverSneakers® Fitness Program

SilverSneakers® Fitness Program is here to help you enjoy a lifestyle of fitness, fun, and friends. Spending time with people who share your interest in healthy living makes it easier to stay on track toward your fitness goals. This program is available to you for no additional cost.

SilverSneakers Steps is a personalized fitness program for members who don’t have convenient access to a SilverSneakers location (nearest location is 15 miles or more from your home). After signing up as a Steps member on, you’ll receive a kit with tools to help you get fit wherever you are.

When you enroll in the SilverSneakers Fitness Program, you have a fitness membership that includes:

  • Fitness equipment, treadmills, and free weights
  • SilverSneakers fitness classes, including YogaStretch and SilverSplash, designed specifically for older adults and taught by certified instructors
  • A designated on-site staff member to help you along the way

Solutions for Caregivers

This program is designed to support family caregivers in helping aging family members stay healthier, function as independently as possible, and live with dignity. Caregivers are given assistance in maintaining their own health, mitigating stress, and caregiver burnout and maximizing available community resources and support.

Treatment Decision Support

Registered Nurses with specialized training will assist retirees in making care decisions. Members will receive help in selecting appropriate treatment and accessing cost-effective care.


Housecalls offers a unique, innovative, and highly successful care coordination service to retiree members.

  • Personalized in-home visits by health care practitioners to assess the member’s health conditions
  • Enhance the member’s experience and improve quality of care
  • Refer members into care management programs as needed

Contact Information

Questions or concerns? Keep these phone numbers as a handy future reference.

1-877-714-0178 TTY: 711
Please note: The phone number listed above is available to you for any initial questions you may have prior to your effective date.

Please note that once your coverage is activated, future questions or concerns should be raised to the Customer Service phone number on the back of your ID card or the phone number listed below.

UnitedHealthcare Customer Service
1-800-457-8506 TTY: 711
Monday – Friday 8 a.m. to 8 p.m.

1-800-MEDICARE (1-800-633-4227)
TTY/TDD 1-877-486-2048
Seven days a week, 24 hours a day

Finding a UnitedHealthcare Group Medicare Advantage PPO Provider

To help you locate a participating provider, call your plan’s Customer Service phone number on the back of your ID card during regular business hours.

Search the online Provider Directory at This directory is updated regularly to provide you with a current list of network providers. You also have the flexibility to see doctors who are not in our network.

NOTE: If you sign up for any Medicare Advantage Plan (other than Senior Advantage offered by Kaiser, UnitedHealthcare Group Medicare Advantage PPO, or Aetna Group Medicare Advantage) that may be offered to you directly by various vendors, YOUR COVERAGE THROUGH THE CITY OF ATLANTA WILL BE TERMINATED. If you have any questions about this, please call the DHR – Employee Benefits at 404-330-6036 before signing up for another plan.


Kaiser Permanente Senior Advantage HMO

Kaiser Permanente Senior Advantage HMO

The Kaiser HMO is a plan that is simple to understand and simple to use

  • One low monthly premium pays for all your coverage.
  • No claims to file.

How do I choose or change my primary care physician?

We ask you to choose a personal physician upon enrollment so that you and your doctor can develop a partnership and work together to make sure you get the quality care you deserve. Your personal physician will guide and coordinate any care you receive in the hospital or from specialists. And having one doctor who arranges your care and knows your medical history helps you get the right care from the right people.

You may choose a physician in family medicine, general practice, adult medicine, or pediatrics/adolescent medicine as a personal physician. Go to or call Customer Service 404-233-3700 (locally) or 1-800-611-1811 (long distance) for help finding a doctor.

How do I make an appointment?

There is one number to call to make or cancel appointments, speak with an advice nurse, or access after-hours urgent care—regardless of which Kaiser Permanente Medical Center you use. Call the Health Line at 404-365-0966 (locally) or 1-800-611-1811 (long distance). (TTY: 800-255-0056).

To schedule or cancel appointments, you may call Monday through Friday from 7 a.m. to 7 p.m. The Health Line is open to speak with an advice nurse 24 hours a day, seven days a week. You may schedule or cancel appointments by logging on to

What if I need to see a specialist?

No referral is required for specialty services available at the Kaiser Permanente medical centers. A referral is required for specialty care outside of a Kaiser Permanente medical center.

Referral specialists are listed in your Kaiser Permanente Senior Advantage HMO Physician Directory.

As a Kaiser Permanente member, you have direct access to Audiology, Behavioral Health, Breast Care, Cardiology, Dermatology, Endocrinology, Gastroenterology, General Surgery, Infectious Disease, Nephrology, Neurology, Obstetrics/Gynecology, Oncology, Otolaryngology (ENT), Perinatology, Podiatry, Psychiatry, Pulmonology, Rheumatology, Urogynecology, Urology, Wound Care, and Pain Management.

What if I need to be admitted to the hospital?

Kaiser Permanente is affiliated with some of Atlanta’s most prestigious hospitals. The personal physician you choose will determine the hospital to which you will be admitted. The hospitals used for most inpatient care are: Children’s Healthcare of Atlanta at Scottish Rite, Emory Eastside Medical Center, Northside Hospital, and Piedmont Hospital.

Get Connected.

Take a minute to register on and enjoy the 24-hour convenience of these secure online features:

  • Order prescription refills*
  • Request or cancel routine doctors’ appointments*
  • Get personalized plans for losing weight, managing stress, and eating healthy
  • Online total health assessment as well as healthy living classes

You’ll also have online access to these new, time-saving features:*

  • Email your doctor’s office
  • View certain lab tests results
  • Monitor your ongoing health conditions
  • Review past office visit information

To register, visit

*Available for members receiving care/refilling prescriptions at Kaiser Permanente medical centers.

What should I do if I need emergency care?

If you have an emergency, call 911 or go to the nearest emergency room.

An emergency medical condition is a medical condition manifesting itself by acute symptoms of sufficient severity (including, but not limited to severe pain) such that a prudent layperson, with an average knowledge of health and medicine, could reasonably expect the absence of immediate medical attention to result in:

  • Serious jeopardy to the health of the individual or, in the case of a pregnant woman, the health of the woman or her unborn child;
  • Serious impairment to bodily functions; or
  • Serious dysfunction of any bodily organ or part.

If you are hospitalized, you should call (or have someone else call) the Kaiser Permanente Health Line – 404-365-0966 (locally) or 1-800-611-1811 (long distance) – to notify Kaiser of your hospital admission as soon as you can within 24 hours of your admission. (TTY: 800-255-0056). This will allow Kaiser to consult with the physician providing your care and to coordinate further medical care.

You will pay a $50 copayment for emergency room services. (Emergency fees are waived if you’re admitted.) Students attending school outside of the Kaiser Permanente service area will be covered for up to $1,000 for follow-up care associated with emergency services. You are responsible for 20% of the cost up to $1,000 for follow-up emergency care.

Do I fill out claim forms?

There are no claim forms required if care is provided, prescribed, or directed by a Kaiser Permanente physician. If there is a copayment, coinsurance, or deductible, you will be expected to pay at the time you receive the services.

If you have any questions about claims, please call a Claims Services Representative at 404-365-0966 (TTY: 800-255-0056).

What if I have additional questions?

Call Senior Advantage Customer Services Department from 8:30 a.m. to 5 p.m., Monday through Friday, at 404-233-3700 or 800-232-4404 (TTY: 800-255- 0056). You also can visit

Note: Retirees and/or their spouses covered by Parts A & B of Medicare who enroll with Kaiser Permanente are only eligible for Senior Advantage. Other family members may enroll in the HMO plan. When joining Kaiser Permanente Senior Advantage, you must complete a separate application. When/if you terminate your Kaiser Senior Advantage, you must complete a Medicare disenrollment form.

Additional Information

The following is a partial list of exclusions and limitations under this plan:

  • Services that are not medically necessary
  • Certain exams and other services required for obtaining or maintaining employment or participation in employee/retiree programs, or required for insurance or licensing, or on court order or for parole or probation
  • Cosmetic services
  • Custodial or intermediate care
  • Services that an employer is required by law to provide
  • Experimental or investigational services
  • Eye surgery, including laser surgery, to correct refractive defects
  • Services that a government agency is required by law to provide
  • Services for conditions arising from military service
  • Services related to the treatment of morbid obesity (except certain health education programs are covered)
  • Routine foot care
  • Sexual reassignment services
  • Non-human or artificial organs or their implantation
  • Reversal of voluntary infertility
  • Transportation and lodging expenses
  • Conditions covered by workers’ compensation or under employer liability law
  • Services not generally and customarily available in our service area

In order for services to be covered, a plan physician must determine that the services are medically necessary to prevent, diagnose, or treat your medical condition. With the exception of emergency services, all covered services must be provided, prescribed, authorized, or directed by a plan physician. You must receive the services at a plan facility inside our service area, except where specifically noted to the contrary in the Evidence of Coverage. Certain covered services require preauthorization by Medical Group.

We use a formulary, which is a listing of medications that our physicians and pharmacists consider to be the most safe, useful, and cost-effective ones available. A team of Kaiser Permanente physicians and pharmacists independently and objectively evaluates the scientific literature to identify the FDA-approved drugs best suited to treat specific medical conditions. Coverage for prescription drugs is limited to those drugs that are included on the Kaiser Permanente formulary. For a copy of the formulary brochure or for more information about the exception process, contact Customer Service at 404-365-0966.

For details on the benefit and claims review and adjudication procedures, please refer to your Evidence of Coverage.

Kaiser Permanente is an HMO plan with a Medicare contract. Enrollment in Kaiser Permanente depends on contract renewal. Benefits, formulary, pharmacy network, provider network, premiums, and copay/coinsurance may change on January 1 of each year and at other times in accordance with your group’s contract with us. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, copayments, and restrictions apply.

Kaiser Permanente maintains policies regarding the confidentiality, protection, and disclosure of personal health and member identifiable information, including policies related to access to medical records. If you have questions about our policies and procedures to maintain the confidentiality of personal information or would like a more comprehensive notice describing how Kaiser Permanente collects and uses personal information, please call Customer Services at 404-261-2590.

This plan summary is intended to only highlight some of the principal provisions of the plan. Please refer to the Group Agreement or Evidence of Coverage for further details of the plan or for specific limitations and exclusions.


SilverSneakers® is one of the benefits you’ll receive when you join Kaiser Permanente Senior Advantage. As a SilverSneakers Fitness Program member, you’ll have access to more than 11,000 fitness locations across the country, where on-site staff members are available to help you meet your personal wellness goals. Many locations offer amenities such as exercise equipment, pools, saunas, SilverSneakers fitness classes, and other fun classes and activities. Other types of fitness locations also may be available in your area. Visit to find your closest location.


Aetna Medicare Plan PPO

Aetna Medicare Plan PPO

The Aetna Medicare Plan PPO is actually two plans. You may enroll in one of the plans if you are enrolled in Medicare Parts A and B, and in the other if you are enrolled in Medicare Part B only. The two plans offer the same coverage, but pay for services differently depending on your Medicare coverage. Here is a description of some of the plan features.

  • Member coinsurance – Covered 100%
  • Annual maximum out-of-pocket amount (combined in- and out-of-network and deductible) – $3,350 (applies to all expenses except hearing aid reimbursement, vision reimbursement, and Medicare prescription drug coverage)
  • Preventive care – Covered 100%
  • Routine eye exams – $15 copay
  • Physician visits – $15 copay
  • Specialist visits – $25 copay
  • Diagnostic procedures (labs and imaging) – Covered 100%
  • Emergency care – $50 copay
  • Ambulance services – $$100 copay
  • Inpatient hospital care – $250 copay per stay after $100 deductible per admission (included in the $3,350 annual out-of-pocket maximum)
  • Outpatient surgery – $100 copay after $100 deductible for hospital charges; no charge for physician services (diagnostic labs and imaging covered at 100%)
  • Mental health and substance abuse services (inpatient or outpatient) – Covered 100%
  • Vision eyewear reimbursement – $130 every 24 months
  • Hearing aid reimbursement – $500 once every 36 months
  • Fitness benefits – Silver Sneakers

When you enroll in the Aetna Medicare PPO Plan, your prescription drugs also are covered (with coverage coordinated with Medicare). The plan covers a portion of your costs up to your initial coverage limit, and during the coverage gap (“donut hole”). Prescription drug coverage is as follows:

Tier Retail (30-day supply) Mail Order (90-day supply)
Tier 1 Generic $10 $20
Tier 2 Preferred Brand $30 $60
Tier 3 Non-Preferred Brand $40 $80
Tier 4 Specialty $40 $80
Tier 5 Select Care Generic* $3 $6

*Select Care Generic includes a selection of low-cost generic drugs.








Dental Plan Options

Dental Plan Options

The Dental Plan options available to you and your dependents are the same as those offered to active employees. For information about the plans, see your Retiree Enrollment Guide and click here.

Retiree Life Insurance

Retiree Life Insurance

You make a great investment in your family. You spend time with them. You care for them, and if you’re not there for them, you want them protected. As a City of Atlanta retiree receiving a pension benefit, you are eligible for life insurance coverage.

The following is an outline of the Life Insurance benefits that are available. This information is provided as an overview and does not constitute a contract. Please refer to the life insurance policy for detailed explanation of policy provisions.


To be eligible for this plan:

  • You must be a retiree of the City of Atlanta or a widow(er) of an employee or retiree covered by the insurance at the time of your spouse’s death.
  • You must have had life insurance coverage as an active employee at the time of retirement.
  • For dependent life insurance, your spouse or children must not be full-time members of the armed forces of any country.
  • A widow(er) cannot cover dependents.

Retiree/Widow(er) Coverage Amount

  • $10,000
  • Some grandfathered employees may have different amounts.
  • A retiree or widow(er) who terminates his/her coverage is not eligible to return to the City plan in the future.

Additional Life Insurance Coverage

City of Atlanta retirees (only) can have up to $20,000 of life insurance coverage (basic life combined with any purchased additional life). The additional coverage can be purchased with options of $5,000 or $10,000. Retirees will be responsible for paying additional life insurance premiums above the flat $10,000 coverage amount or coverage for retirees with grandfathered life insurance directly to Minnesota Life. Please contact Minnesota Life Directly at 1-800-660-2519 for more information.

Spouse and Dependent Coverage Amount

  • Dependents Life Insurance also is available and provides the following coverage:
    • Spouse: $5,000
    • Child between birth and six months: $600
    • Child between six months and 26 years: $5,000
  • Note that both Spouse/Domestic Partner and child coverage cannot exceed 100% of the retiree’s amount of Basic Life insurance.

  • A Surviving Spouse/Domestic Partner who is insured at the time a retiree passes away will be eligible to continue his/her $5,000 Life Insurance coverage. A retiree must have paid an additional 1% into the pension to qualify the spouse/Domestic Partner for Survivor benefits.

  • All late applications will require medical underwriting approval by Minnesota Life.

Beneficiary Designation Change

You may change your beneficiary at any time during the year by completing a Beneficiary Change form and submitting it to the DHR – Employee Benefits.

If You Have Questions

If you have any questions about eligibility enrollment or life insurance coverage, contact the DHR – Employee Benefits at 404-330-6036.

Minnesota Life Insurance Company

Minnesota Life Insurance Company Minnesota Life is one of the country’s largest group life insurers. They are among the highest rated group life insurance companies according to the independent rating agencies that analyze the financial soundness and an insurance company’s ability to pay claims. For more information about the rating agencies and to see how Minnesota Life compare to other companies, please visit

Cost of Coverage

You and the City of Atlanta share the cost of your life insurance coverage. The City pays for $2.17 per $1,000 of benefit and you pay $0.93 per $1,000 of benefit. The City does not contribute toward the cost of Dependent Life Insurance and Additional Life Insurance. Your cost for life insurance is as follows:

  • Basic life for retirees ($10,000) – you pay $9.30/month
  • Grandfathered retiree life ($10,000) – you pay $9.30/month
  • Spouse dependent life ($5,000) – you pay $4.00/month
  • Child dependent life (see above) – you pay $1.19/month
  • Surviving spouse (see above) – you pay $20.00/month
  • Additional life for retirees only ($5,000) – you pay Minnesota Life Rate
  • Additional life for retirees only ($10,000) – you pay Minnesota Life Rate


City of Atlanta retirees (only) may purchase up to an additional $10,000 in basic life insurance coverage directly through Minnesota Life Insurance. All coverage over the flat $10,000 benefit amount above will be the responsibility of the retiree. The City will not make any contribution for coverage above the flat $10,000 benefit amount. Please contact Minnesota Life Insurance Company at 1-800-660-2519.