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Plan Year 2026
Member Health Plan Contributions
Retirees and annuitants who have 20 or more years of service, as well as survivors whose annuity is based on the death of an employee who had 20 years or more of creditable service, receive their healthcare coverage premium-free through the State. This premium-free coverage includes medical, prescription and vision coverage. All members are required to pay a premium for dental and dependent coverage.
Retirees, annuitants and survivors with less than 20 years of service are required to pay 5% of the cost of coverage for every year of service they have less than 20 years.* See chart below:
2026 TRAIL MAPD Health Plan Monthly Contributions for Retirees, Annuitants and Survivors with Less than 20 Years of Service |
||
|---|---|---|
| Years of Service | Member's Responsibility: Percentage of Cost | Aetna MAPD PPO |
| 0 | 100% | $103.79 |
| 1 | 95% | $98.60 |
| 2 | 90% | $93.41 |
| 3 | 85% | $88.22 |
| 4 | 80% | $83.03 |
| 5 | 75% | $77.84 |
| 6 | 70% | $72.65 |
| 7 | 65% | $67.46 |
| 8 | 60% | $62.27 |
| 9 | 55% | $57.08 |
| 10 | 50% | $51.89 |
| 11 | 45% | $46.70 |
| 12 | 40% | $41.51 |
| 13 | 35% | $36.32 |
| 14 | 30% | $31.13 |
| 15 | 25% | $25.94 |
| 16 | 20% | $20.75 |
| 17 | 15% | $15.56 |
| 18 | 10% | $10.37 |
| 19 | 5% | $5.18 |
| 20+ | 0% | $0.00 |
The 5% rates in the chart above do not apply to the following members: U of I federal retirees, SURS retirees who elected a lower pension in exchange for free insurance, retirees, annuitants and survivors of vested retired judges and general assembly members, SURS and SERS members who retired prior to 1/1/1998, TRS members who retired prior to 7/1/1999, and vested regional superintendents who retired under TRS on or after 7/1/1998.
Dependent Health Plan Contributions
The monthly dependent contribution is in addition to the member health plan contribution, if applicable. Dependents will be enrolled in the same plan as the member.
| 2026 Monthly Health Plan Contributions for Dependent Coverage | |
|---|---|
| Aetna PPO Plan | |
| One Dependent | Two or More Dependents |
| $2.46 | $5.05 |
Life Insurance Contributions
Life insurance coverage options, administered by MetLife, depend upon when you retired and whether you are an immediate annuitant, deferred annuitant, or survivor. If you are uncertain of your life insurance benefits, contact your retirement system. To request a change in your life insurance coverage, members must go online at MyBenefits.illinois.gov and follow the instructions. Medical underwriting will be required to add or increase Member Optional Life and to add Spouse Life coverage.
| Optional Term Life Plan Monthly Contributions | Spouse Life Monthly Contributions | |||
|---|---|---|---|---|
| Member's Age | Monthly Contribution Per $1,000 of Coverage | Coverage | Monthly Contribution | |
| Under 30 | $0.03 | Spouse Life $10,000 coverage (Spouse under age 60) | $5.70 | |
| 30-39 | $0.05 | Spouse Life $5,000 coverage (Spouse age 60 or older) | $2.85 | |
| 40-44 | $0.09 | |||
| 45-49 | $0.12 | |||
| 50-54 | $0.19 | AD&D Monthly Contribution | ||
| 55-59 | $0.36 | Coverage | Monthly Contribution Per $1,000 of Coverage | |
| 60-64 | $0.56 | |||
| 65-69 | $1.26 | |||
| 70 and Older | $2.06 | Accidental Death & Dismemberment | $0.02 | |
| Child Life Monthly Contribution | ||||
| Coverage | Monthly Contribution | |||
| Child Life $10,000 Coverage | $0.60 | |||
Dental Contributions
All members and enrolled dependent have the same dental benefits available. During your TRAIL MAPD Enrollment Period, members have the option to add or drop dental coverage.
The election to add or drop dental coverage will remain in effect the entire plan year, without exception.
| Delta Dental Plan Monthly Contributions | |
|---|---|
| Coverage | Monthly Contribution |
| Member Only | $16.00 |
| Member Plus 1 Dependent | $27.00 |
| Member Plus 2 or More Dependents | $29.50 |
