ERS administers insurance benefits for employees, retirees,
and eligible family members at participating universities and
Retiring with Texas Employees Group
Benefits Program (GBP) insurance as a Teacher Retirement System of Texas (TRS)
and Optional Retirement Program (ORP) member:
You may be eligible to enroll in the State’s
insurance program as a TRS/ORP retiree if you have at least 10 years of eligible
service credit with a GBP participating agency or institution of higher
education. However, some individuals who started working at a GBP-participating
agency or institution before September 2001 were grandfathered under prior
eligibility rules. These members still need 10 years of service credit to be
eligible for GBP insurance at retirement, but only three of their 10 years of
service must be in a benefits-eligible position with a GBP participating agency
Grandfathering applies to two types of
*The member must still meet the rule of 80 (age
plus years of service total 80) or be age 65 with at least 10 years of service
to be eligible for insurance coverage in the GBP.
A TRS/ORP member is not eligible for GBP retiree
insurance if their last place of public employment before retirement was an
Independent School District (ISD).
An ORP member must have an ORP account from which
he or she is eligible to draw an annuity, even if that account only contains a
minimal dollar amount. Completely withdrawing or rolling over all funds in the
ORP account will cause the member to become ineligible for the GBP.
TRS/ORP retirees who are eligible for the
insurance should contact their benefits coordinator to fill out a TRS/ORP
Retiree Insurance Enrollment Form.
If you are retiring under the Teacher Retirement
System of Texas (TRS), you can have your Texas Employees Group Benefits Program
(GBP) insurance premium deducted from your monthly TRS annuity. After you
receive your first annuity payment from TRS, you can request that future
insurance premiums be deducted from your TRS annuity. Once the first annuity
payment is received, send a written request to ERS. If premium payments are
current, the change will be made effective the first of the following month.
Before this deduction is established, you will need to submit premium payments
directly to ERS.
If you are retiring under the Optional
Retirement Program (ORP), you may request to have your premium electronically
deducted from your bank account. Again, all premium payments must be current
before the electronic deduction can be set up. To request electronic bank draft,
complete and send in an Automatic
Withdrawal of GBP Insurance Premium form.
Retirement benefits are handled by the Teacher
Retirement System (TRS). For more information about your retirement benefit,
contact TRS at (512) 542-6400 or (800) 223-8778 or visit the TRS website.
200 East 18th Street Austin, TX 78701 ( map)
Toll Free (877) 275-4377
Relay Texas, TTY 7-1-1 or (800) 735-2989