Human Resources

WHAT'S NEW - Spring, 2025

Open Enrollment will be during May.  During this time, retirees may change plans (ie one medical plan to another, or one dental plan to another) but may not add plans or dependents. Changes and retiree premiums will begin July 1, 2025

The FY26 Insurance premium rates, which will begin 7/1/2025, can be found below.  If you don't need to make any changes, no action is necessary.  If you'd like to make changes, you can email the Benefits Team at [email protected].  Change requests must be received by May 31, 2025.  Remember you can drop dependents from your plans at any time by emailing the Benefits Team.  If you pay your premiums via your VRS check, they will begin July 1.  If you pay via a Bolton bank deduction, they will begin July 31.

Click here for downloadable rates.  Click here for a comparison chart of all Anthem and Kaiser medical plans

Retiree open enrollment letters have been mailed.  Click below for your letter

• Retirees under age 65 on PWC medical insurance, click here

• Retirees over age 65 on PWC Kaiser Medicare Advantage, click here

• Retirees on PWC dental and/or vision only, click here

Approaching Medicare Age? 

If you are on PWC health insurance, you will need to sign up for Medicare to begin on the first of your birth month and find a supplement plan. You will receive the needed documents in the mail regarding the County's plans, about 2 months prior to your birth month. You should begin early to get your Medicare A, B, and D in place.  If you need assistance, scroll below to Rosemari Walker's information, the County's Medicare Coordinator in the Area Agency on Aging.  Also, please review the following Medicare documents, provided by Anthem.  Note that the County's retiree plans do not coordinate with Medicare so you'll need to find an outside supplement plan. 

• View a recorded webinar on Medicare here. 
• information for folks new to Medicare here
• If you or your spouse are still working and are covered under an ACTIVE employer's plan (Not PWC retiree coverage), you may be able to delay signing up if you continue to work.  Read here for more information. 

Retiree Address Changes

Reminder that if you move and you are enrolled in PWC retiree insurance plans, you MUST contact the HR Benefits Team to change your address in PWC systems.   Our payroll system, Mobius, sends enrollment information to Anthem, Kaiser, Delta and VSP via a file.  We will need to send your new address to them this way; they will not allow you to update it directly with them.  Additionally, please be sure to send your address to Bolton for your credit plan, and also to contact VRS (you may change it online or send in a form you can obtain from their website). 

Bolton Annual Insurance Premium Mailings

Bolton mails an annual form to retirees who do not have PWC retiree medical insurance to verify that your premiums exceed the amount of credit you're eligible for.  This is an IRS requirement since the credit is tax-free.  If you do not return the form, your credit may be suspended.  If your credit is suspended, you must contact Bolton via their phone/email below to provide the needed insurance premium documentation and start the credit back up.  Note that there is a limit of one year to receive retro credits once your credit resumes.  Please note that credits are payable ONLY to the retiree, and they cease when the retiree passes away.

Taxes and Withholding Changes

You are able to change your tax withholding at any time. Contact the vendors to make changes.

If you have any questions regarding the tax forms contact:

VRS: 888-827-3847

CBIZ: 844-581-2871

You may also navigate to VRS's website, www.varetire.org, to Forms, then download VRS-15 and mail it in to VRS.

The County's health insurance credit, paid by Bolton is a tax-free benefit.

CBIZ Manages the Public Safety Supplemental Pension Plan

Police and Fire retirees still in payment status are encouraged to log in to the website.  You may change your address, tax withholdings and bank account information directly on their site! Please be sure to log in and view your information.  If you are unable to log in, call them to receive a code to reset your account.

844-581-2871 || [email protected]; https://myretirement.cbiz.com

Bolton Contact Information, Health Insurance Credit Program

Bolton manages the County's Health Insurance Credit program, payable to retirees with at least 15 years of service with eligible health insurance premiums.  If eligible, you receive a monthly deposit from Bolton.  Contact Bolton at [email protected], or via phone, Monday to Friday, 8 am to 5 pm at 866-340-9789.  You may find information on the PWC Health insurance credit plan here. 

Interested in Seeing Benefits of PWC Plans?  Check These Links Out!

• Anthem and Kaiser. If you have questions about general plan coverage, you can access the plan comparison chart here
  • Anthem has an app! You can download the Sydney app to your phone/tablet for easier management of care, and access to your ID card.  Click here for more information. The app will also link you to Live Health Online, where you can virtually see a doctor without leaving your home. The copay for the virtual visit is $0!  Click here for more information.
  • Want to check out the Anthem Summaries of Benefits and Coverage? 
    • Anthem Enhanced PPO
    • Anthem Core PPO
    • Anthem Healthkeepers POS
  • Anthem offers several programs to better manage certain medical conditions and emergency services Anthem Better Health flyer- Condition Care, Future Moms, 24-7 Nurse Line.pdf
  • Anthem allows you to set up prescription home delivery of certain long-term medications, via Carelon.  Receive meds right to your door!  Find out how!
  • Kaiser offers comprehensive services and care, all in one place! Plan Highlights can be found here
  • Kaiser's service map, showing where you can obtain coverage (you must live in a Kaiser coverage area to elect coverage)
  • Kaiser allows you to choose when and how you access care, either in person, by phone, or via phone.  Find out more here.
• Delta dental offers the same comprehensive plans, the Enhanced and the Core. Click here for the summary.
  • Delta offers an app for your phone or tablet, to manage care and get your ID card Delta Dental Mobile flyer.pdf
  • Other Delta dental programs to keep your smile healthy!
    • Delta Dental HealthySmile HealthyYou flier.pdf
    • Delta Dental Prevention First flyer.pdf
• VSP Vision has special programs and offers. If you've been retired longer than this plan has been offered then you unfortunately aren't able to pick it up, but if you don't have a vision plan, you should check this and other local programs, as you may be able to get a comparable, affordable individual program!
  • VSP plan summary

Over 65 and on Kaiser's supplemental Medicare Advantage plan?

• Kaiser Medicare Advantage plan

   

Health Insurance For Retirees (Medical, Dental, Vision)

If you leave employment with at least 15 full years of service with Prince William County, you are eligible to continue coverage through the County after your service ends. You are able to cover your dependents (spouse and/or children) as defined by the Plan provisions if enrolled in coverage at the time retire/separate. The cost of coverage to you is the full monthly premium and is paid via deduction of your monthly VRS benefit, as applicable, or by direct debit from your bank account in special circumstances. If at any time you elect to cancel coverage or coverage ends due to non-payment of premium, you may not re-elect to participate in coverage with the County.

NOTE: Medical coverage ends at age 65 (Medicare rules dictate the end date of coverage: the first of the month in which you turn 65, or if your birthday falls on the first of a month, then the first of the PRIOR month); dental and vision coverage can continue for your lifetime. Coverage for children on any plan (medical, dental, or vision) can continue up to the Plan limiting age for children (end of the month in which they turn age 26), even if you turn age 65 prior that time. A couple months prior to you or your dependents reaching a limiting age, you will receive a letter and necessary forms in the mail notifying you of the end date of coverage and what actions you need to take. Please note that a few months prior to your 65th birthday, you should begin exploring your Medicare and supplemental plan options. Your covered spouse/children can continue on medical coverage up until age 65/26 if he/she reaches a limiting age after you. You are able to change plans during the annual open enrollment period only. You may not add family members to coverage at any time unless there is a qualifying event, such as marriage or birth of a child. Qualifying event changes must be made within 30 days of the event. Contact HR Benefits with questions about qualifying events or when coverage ends at [email protected]

Life Insurance In Retirement

Securian Financial: 800-441-2258

Basic Life Insurance -

If you retire upon separation from full-time service, you retain the County-paid Basic life insurance through VRS. This coverage is at no cost to you for your lifetime. The benefit is 2 times your annual base earnings at the time of retirement. The amount reduces 25% per year after your first full calendar year of retirement until it reaches 25% of the original coverage amount (resulting in a policy worth half your salary at the time of retirement, and this continues until your death). Upon leaving employment, coverage for accidental death and dismemberment coverage ceases at that time. Note that you will see on a tax line on your VRS 1099 form, for imputed income. Though the life insurance policy is County-paid, any portion of insurance worth over $50,000 results in a tax to you.

Optional Life Insurance –

If you are enrolled in Optional Life insurance when employment ends and have had the coverage for at least 60 months (5 years), you can continue coverage at the County's group rates. To do so, you must elect to continue coverage within 30 days from your separation date. The maximum continued coverage under this policy is two times your salary. Accidental death and dismemberment coverage ends upon leaving employment. The death benefit amount begins to reduce with age and all coverage ends at age 80.

Beneficiary

Your beneficiary designation for basic and optional life insurance can be updated at any time you wish. You may update your beneficiaries directly in the MyVRS system or contact Securian Financial at 800-441-2258.  If there is no valid beneficiary designation on file or your beneficiary is deceased at the time of your death, VRS will pay benefits according to the following order of precedence, as required by law:

• First, to your spouse;
• if no surviving spouse, to your child(ren);
• if none of the above, to your parents;
• if none of the above, to the duly appointed executor or administrator your estate;
• if none of the above, to your next of kin as under the laws of the domicile.

For more information on the Basic or Optional Live coverage go to: https://www.varetire.org/retirees

VRS Long Term Care Insurance

VRS, through Genworth Financial, offers Long Term Care insurance to employees, retirees, and their eligible family members. Benefits include group rates, ease of enrollment, and portability of the plan. Please see Genworth's website at www.Genworth.com/COV, or call toll free 866-859-6060 for more information or to apply for coverage. This plan will be open for enrollment on an on-going basis.

Rev 5/2/2025