If you submit a completed Benefits Enrollment Form to the Trust Office before the first month of retirement, your coverage will be effective on the first day you begin early retirement. Coverage for eligible dependents begins when your coverage begins.

If you or your dependents defer or suspend Trust early retiree medical coverage because you have other health coverage, you may defer dental or vision coverage. You may enroll at a later date by submitting a completed Benefits Enrollment Form to the Trust Office. Coverage for you and your enrolled family members will begin the first of the month after you enroll.