Retiree Benefits

Your Benefits as a Retiree of the Town of West Boylston
After you retire, you may continue to carry your health insurance, dental insurance, vision insurance and life insurance through the Town.  Your spouse is also eligible for these benefits as long as you, as the subscriber, are enrolled in the benefit. Surviving Spouse's are entitled to the same health, dental and vision benefits as the retiree.

While the town will continue to contribute towards the premiums for these benefits, you (and your spouse) will be billed by the town through the Town Accountant's office for your share.  All payments should be made to the Treasurer/Collector's office.  At this time, we do not have the ability to issue online bills. 

Life Insurance
For retirees who only carry the life insurance benefit, premiums are billed annually in December (for the next year) and payment is due by December 31st. (If you are also receiving health benefits, your life insurance premiums are billed quarterly on the same bill as your quarterly health insurance due on Decembe 31.) When you retire, your Basic Life Insurance death benefit will decrease to half of the active employee coverage.  (In most cases, the death benefit will be reduced from $10,000 to $5,000.) The Town continues to contribute 50% of the premium cost upon your retirement.

If you have specific questions concerning your customized Voluntary Life Insurance, please direct them to The Town Accountant's Office. 

This is also a good time to check with the Town Accountant's Office that your beneficiary information is up to date.

Health, Dental & Vision Insurance
Retiree billing for health, dental and vision insurance is issued on a quarterly basis.  These bills will be mailed to the retiree's residence. (Sorry, we do not have the ability to email bills at this time.)  Invoices are issued one month prior to the quarter and are due before the quarter begins.

The Town contribution portion of your health and dental insurance will depend upon the health insurance plan that you have selected.  Please refer to the current rate sheets for this information.  You can view them on the Insurance Premium Rates page or contact the Town Accountant's office.

Reaching 65
Three months before turning 65, you and/or your spouse will receive a notice from the Town Accountant's office notifying you of important changes that affect you as a Medicare eligible senior.  For retiree's aged 65 and older who are Medicare eligible, the Town currently offers two senior health care plans.  Current plans and rates are available on the Insurance Premium Rates page or through the Town Accountant's office.  Plan descriptions can be found on our Health and Life Insurance Benefits page.

Open Enrollment
For Retirees age 65 and older, Senior Plan Retiree Open Enrollment for benefits takes place in the fall of each year. Usually occurring around November, when senior plan rates become available, changes requested during open enrollment take effect on January first.

Retirees who have not yet reached age 65 are covered under the Active Employee plans with a plan year that runs from July 1 to June 30.  These plans have a spring open enrollment.

Dental and Vision open enrollment is in the spring for all retirees and employees, to accommodate the July 1 to June 30 plan year.