NBF Retiree Healthcare

For 62.5/25 Retirees*

*Retirees born before July 1, 1959, are eligible for retiree health benefits at age 62 with 20 years of service.

For Care in New York City, Long Island and Westchester

For Care Outside New York City

  • Choose providers from the Benefit Fund or the Aetna Signature Administrators network.
  • All Aetna Signature providers accept the Benefit Fund’s payment for most services.
  • No referrals and no out-of-pocket costs or deductibles for covered services.

Your Benefits

Medical Benefit

Access to more than 30,000 Benefit Fund providers throughout New York City, Westchester and Long Island.

Mental and Behavioral Health

Comprehensive support through talk therapy, inpatient and outpatient treatment programs and coordinated care.

Prescription Benefit

Full prescription coverage with no co-payments when you use preferred drugs where available.

Dental Benefit

A choice of two plans—EmblemHealth or Aetna DMO—providing basic care, including cleanings, exams and restorative services.

Vision Benefit

Eye exams and glasses or contact lenses every two years.

Life Insurance

Life insurance benefit based on Wage Class.

Resource Center

Forms for Members

Summary Plan Descriptions (SPDs)

HIPAA Notice of Privacy Practices



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.


Age 62.5 with 25 Years of Service*

If you retire at age 62.5 with at least 25 years of credited service and/or vesting service, you are eligible for coverage that includes hospital, medical, vision, hearing, prescription drugs, life insurance, burial and spouse coverage.

*If you were born before July 1, 1959, you can collect a full pension at 62 with 20 years of credited service and/or vesting service.

Read more about eligibility for retiree health benefits.