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<body lang="EN-US" link="#467886" vlink="#96607D" style="word-wrap:break-word">
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black;border:none windowtext 1.0pt;padding:0in"><img width="144" height="55" id="Picture_x0020_1" src="cid:image001.png@01DCBC43.48F8AE00" alt="A blue text on a black background
AI-generated content may be incorrect."></span><b><span lang="EN" style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span lang="EN" style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span lang="EN" style="font-size:11.0pt;font-family:"Arial",sans-serif">March 25, 2026<o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span lang="EN" style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></b></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:150%"><span lang="EN" style="font-size:11.0pt;line-height:150%;font-family:"Arial",sans-serif">To:
<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:150%"><span lang="EN" style="font-size:11.0pt;line-height:150%;font-family:"Arial",sans-serif">Department Benefits Representatives (DBRs)<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:150%"><span lang="EN" style="font-size:11.0pt;line-height:150%;font-family:"Arial",sans-serif">Central HR Benefits Office on behalf of UC Office of the President<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in;line-height:normal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Significant Policy Changes to the Group Insurance Regulations for Retired Members, Disabled Members, and Survivors Effective 1/1/2026</span></b><b><span lang="EN" style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p></o:p></span></b></p>
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<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">DBRs, please share this information via your internal listserv.
<b><u>Please do not reply to this email</u></b>. Please send a separate email with questions to
</span><a href="mailto:benefits@ucr.edu"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">benefits@ucr.edu</span></a><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">.<o:p></o:p></span></p>
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<p><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">UCOP has advised that as of January 1, 2026, Retirement Program Services implemented revisions to the Group Insurance Regulations (GIRs) for Retired Members, Disabled Members, and
Survivors (formerly “Annuitant Health & Welfare Plan GIRs”) following UC Legal review and approval by the Plan Administrator. These updates include technical, compliance‑related, and policy amendments that affect retirees, disabled members, survivors, and
future enrollees. The summary below highlights the most significant changes. These revisions align Retiree Health practices with Employee Health & Welfare plans, clarify eligibility rules, and improve administrative consistency.<o:p></o:p></span></p>
<p style="margin:0in"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Continuation of Coverage for Retirees (Plan Section 6002.A.1.i)<o:p></o:p></span></b></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Continuation of coverage provisions have been eliminated for retirees with a Retirement Date on or after January 1, 2026.<o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"><o:p> </o:p></span></p>
<p style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:.5in;text-indent:-.25in;mso-list:l0 level1 lfo1">
<![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Employees eligible for Retiree Health Coverage will no longer be required to provide proof of other coverage if there is a gap between when employee benefits
end and retiree health coverage begins.<o:p></o:p></span></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"><o:p> </o:p></span></p>
<p style="margin:0in"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Savings Choice Retirement (Plan Section 6002.D)<o:p></o:p></span></b></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l4 level1 lfo2"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">All Savings Choice service credit will count toward eligibility for Retiree Health Coverage, even if the Defined Contribution Plan account has already been
distributed.<o:p></o:p></span></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l4 level1 lfo2"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The first Savings Choice–only retiree will become eligible for Retiree Health benefits in 2026.<o:p></o:p></span></p>
<p style="margin:0in"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">New Period of Initial Eligibility (PIE) – Retirement from UC (Plan Section 6003)<o:p></o:p></span></b></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Retirement from UC has been added as a new Period of Initial Eligibility (PIE), effective January 1, 2026.<o:p></o:p></span></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l6 level1 lfo3"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Newly retired members who are eligible for Retiree Health Coverage may make changes to their Retiree Health plans at retirement, including enrolling or
disenrolling eligible family members.<o:p></o:p></span></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l6 level1 lfo3"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">The PIE begins the day following the later of the member’s retirement effective date or the date employee health insurance terminates.<o:p></o:p></span></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l6 level1 lfo3"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">This rule also applies to survivors and disabled members who become newly eligible for retiree insurance.<o:p></o:p></span></p>
<p style="margin:0in"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Break in Service Rule Elimination (Administrative Supplement II‑E)<o:p></o:p></span></b></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Currently, employees experience a Break in Service for retiree health eligibility if they are on unpaid leave for more than two years and must return to pay status
to qualify.<o:p></o:p></span></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l5 level1 lfo5"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Effective January 1, 2026, this Break in Service rule will no longer apply.<o:p></o:p></span></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l5 level1 lfo5"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Employees may remain eligible for Retiree Health benefits without returning to pay status for any period of approved leave of absence, regardless of duration.<o:p></o:p></span></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l5 level1 lfo5"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Employees must still meet all other eligibility criteria outlined in the Retiree Health GIRs.<o:p></o:p></span></p>
<p><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Attached are the following resources: Add to Cristina’s<o:p></o:p></span></b></p>
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</span></span></span><![endif]><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Summary of the Retiree GIRs Policy Changes<o:p></o:p></span></b></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l1 level1 lfo6"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">UCnet article: </span></b><a href="https://ucnet.universityofcalifornia.edu/employee-news/changes-to-enrollment-in-retiree-health-benefits/" target="_blank"><i><span style="font-size:11.0pt;font-family:"Arial",sans-serif">“2026
changes make it easier to enroll in retiree health benefits”</span></i></a><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"><o:p></o:p></span></b></p>
<p style="margin-left:.5in;text-indent:-.25in;mso-list:l1 level1 lfo6"><![if !supportLists]><span style="font-size:10.0pt;font-family:Symbol;color:black"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">Revised regulations: </span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black">available at </span><a href="https://ucnet.universityofcalifornia.edu/for-hr-administrators/health-welfare-benefits/group-insurance-regulations/" target="_blank"><i><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Group
Insurance Regulations | UCnet</span></i></a><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"><o:p></o:p></span></b></p>
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