NBF Retiree Healthcare

For 55–64 Early Retirees

Retirees between age 55 and 64 may choose the Early Retiree Dental Plus Plan or the Early Retiree Prescription Plan.


Age 55 with 10 Years of Service

If you retire at age 55 with at least 10 years of credited service and/or vesting service, you are eligible for:

The Early Retiree Dental Plus Plan, which includes dental and vision benefits, a hospital indemnity plan and spousal coverage;


The Early Retiree Prescription Plan, which includes prescription drug coverage, vision and hearing benefits and spousal coverage.

If you retire between ages 60 and 64, you will receive the same retiree health benefits that members retiring with a Normal Pension Benefit receive when you reach age 65 and are Medicare-eligible.

Summary of NBF Retiree Health Benefits

To Retire with National Benefit Fund Health Benefits


Years of Service

Coverage (WC I)

(Must retire from active service)
62.5–64* 25 Full (active) benefits, excluding dental
65+ 10 1199SEIU Aetna Medicare Advantage Plan: You must be enrolled in both Medicare Part A (hospital) and Medicare Part B (medical). Includes Rx, vision, hearing, dental, life insurance, burial and 50% Part B premium reimbursement.
55–64 10 Dental Plus Plan: Includes dental, vision, limited hospital indemnity and spousal coverage**
Prescription Plan: Includes vision, hearing, Rx and spousal coverage**

*Members born before July 1, 1959, or commencing benefit payments prior to January 1, 2019, are eligible for retiree health benefits at age 62 with 20 years of service.

**Eligible members retiring at age 60–64 are eligible for the “65+” benefits when they turn 65 and enroll in Medicare. Eligible members retiring at age 55–59 are only eligible for the Prescription Plan when they turn 65 and enroll in Medicare.