CTPF 2027 NON-MEDICARE HEALTH INSURANCE HANDBOOK
6
Who Can Enroll In A CTPF Plan?
Survivors
Upon the death of a member, survivors should notify 
the Social Security Administration and CTPF’s Member 
Services as soon as possible. Once reported, CTPF will 
send a packet outlining survivors’ health insurance 
options. 
Continued Coverage for Dependents
CTPF health insurance coverage continues for survivors 
currently enrolled as dependents following a member’s 
death. Qualified survivors become eligible for a health 
insurance premium subsidy. A survivor who does not 
want to continue coverage may voluntarily disenroll.
Joining a CTPF Health Insurance Plan
Qualified survivors may enroll in a CTPF health insurance 
plan within 30 days of a member’s death, and become 
eligible for a premium subsidy. CTPF sends enrollment 
information upon notification.
Annuitants & Dependents
CTPF annuitants and their eligible dependents may qualify to enroll in a CTPF health insurance plan. To qualify, 
CTPF must be the retiree’s final retirement system. An annuitant and/or dependent may initially enroll in a CTPF 
plan once in a lifetime, unless he or she experiences a qualifying event. (See Special Enrollment Section)
Dependents Defined
Eligible dependents include: 
•	 a legal spouse as defined by your 
state of residence
•	 a party to a civil union
•	 children under the age of 26 
•	 unmarried veteran adult children under the                          
age of 30
•	 children who are mentally or physically disabled 
from a cause originating prior to age 23, and who 
are financially dependent on you for more than 
one-half of their support and maintenance. 
It is your responsibility to notify CTPF in writing when 
your dependent no longer meets eligibility requirements.
* For the purposes of dependent eligibility, the term 
children includes natural, step, disabled, and legally 
adopted children as well as children for whom you have 
permanent legal guardianship.
*
Dependent enrollment is contingent upon meeting  
documentation requirements, available at 
www.ctpf.org.
Couple Coverage 
When only one Family Member is                
Medicare Eligible
If you and a dependent are in a situation where one 
family member is covered by Medicare and the other is 
not and you both want CTPF health insurance coverage, 
you may enroll in separate CTPF Non-Medicare and 
Medicare health insurance plans.
Each family member must complete a separate 
application and pay the cost for single coverage in each 
plan. The premiums for single coverage can be found in 
the Plan Cost Comparison chart. When you both reach 
age 65, you may enroll in the same health insurance 
plan and pay the Member +1 rate. For more information 
on Couple Coverage and premiums for Medicare plans, 
please visit www.ctpf.org under Health Insurance/
Enrollment Process.

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