Retiree Medical Home

Medical Benefits for Surviving Dependents

Your dependents will be eligible for PG&E-sponsored medical coverage only if they’re enrolled under your coverage when you die.

WHEN SURVIVING DEPENDENTS LOSE ELIGIBILITY

Surviving spouse and surviving domestic partners lose eligibility for PG&E coverage if they:

  • Remarry or register a domestic partnership;
  • Have other medical coverage (except Medicare);
  • Don’t enroll in a PG&E-sponsored medical plan when first eligible; or
  • Cancel coverage for any reason.

Surviving spouses and dependents who become ineligible for PG&E-sponsored coverage should call the PG&E Benefits Service Center right away to avoid penalties: 1-866-271-8144.

EXAMPLE: A surviving spouse becomes ineligible for PG&E coverage at the end of the month he or she marries or enters into a domestic partnership—even if the new spouse or domestic partner has no other coverage.

Surviving spouses or dependents who drop PG&E-sponsored survivor medical coverage won’t be eligible to re-enroll for PG&E-sponsored survivor medical coverage in the future.

PAYING FOR SURVIVING DEPENDENT COVERAGE

Your spouse* or other dependents will need to pay the full monthly premium. PG&E doesn’t contribute toward the cost of medical coverage for surviving spouses except in these three cases:

  1. If your spouse has a remaining Retiree Medical Savings Account (RMSA) balance and isn’t eligible for Medicare:
    Your spouse can continue to use the RMSA to help pay for PG&E-sponsored coverage until:
    • The account is used up,
    • Your spouse becomes eligible for Medicare, or
    • Your spouse becomes ineligible for PG&E coverage—whichever occurs first.
  2. If you have a Retiree Health Account:
    Your spouse will be eligible to inherit it if your enrolled spouse keeps PG&E-sponsored coverage after you die. Your spouse will be able to use remaining credits until the account is used up or until your spouse no longer has PG&E-sponsored medical coverage.
  3. If you have a remaining Retiree Premium Offset Account (RPOA) balance:
    Your spouse will be eligible to inherit if your enrolled spouse keeps PG&E-sponsored coverage after you die. Your spouse will be able to use it to help pay for premiums for PG&E-sponsored coverage. The RPOA benefit only applies if you retired before 2011, and you haven’t used it up.

*Spousal RMSA, Retiree Health Account and RPOA benefits also apply to domestic partners.