Retiree

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As a retiree of Miami-Dade County Public Schools (M-DCPS), you are eligible to continue healthcare coverage for you and your eligible dependents, if currently insured. Board-paid healthcare coverage will terminate on the last day of the month of your retirement date. Your retiree benefits will become effective the first day of the following month. You are responsible for the cost of these benefits in order to continue with your coverage through a School Board sponsored plan.

Ten-month employees who retire on the last day of the school year will continue to receive Board-paid healthcare coverage until the end of the month of the commencement of the school year (August 31st) and benefits selected as a retiree will become effective on the first of the month following the commencement of the school year. Benefits selected will continue for the remainder of 2026 as long as premiums are paid.

If you wish to continue your benefits as a retiree of the School Board, you must complete your enrollment via the Retiree Self-Service Platform. Using this secure online benefits enrollment tool, you can review and/or update your demographic information, dependents, and most importantly complete your enrollment in a School Board sponsored Cigna (non-Medicare) healthcare plan, Medicare Advantage Plan and Prescription Drug Plan (PDP), and/or Flexible Benefits plans. Medicare Supplemental Plans offered by UnitedHealthcare are enrolled in by contacting the carrier directly.

Please visit https://­fbmc-enroll.com to enroll online. Step-by-step instructions on how to navigate the enrollment platform can be found here. If you are making changes to your current benefits, your online enrollment must be completed by the enrollment deadline.

Additionally, you are eligible to continue to cover your Adult Child dependent. To continue their coverage, you must request an Adult Child application by emailing MDCPSRetiree@fbmc.com or calling the 305-995-7396, Monday – Friday, 8:00 a.m. to 4:30 p.m. When enrolling a dependent, you must also submit dependent eligibility documentation with your enrollment form, even if previously submitted. Both your enrollment form and documentation must be submitted by the due date.

You may decline to continue your current coverage. However, if you do not elect to continue your healthcare and/or flexible benefits at this time, you will never be able to enroll in a School Board sponsored plan. In addition, you must cover yourself in order to cover your eligible dependent(s).

If you have any questions regarding this information or need assistance with your enrollment, you may contact the FBMC Service Center at 1-855-632-7748, Monday – Friday, 7:00 a.m. to 7:00 p.m. Visit www.dadeschools.net. Under Site Map click “2026 Benefits” for additional information regarding your 2026 benefits and rates.

What You Need to Know:

Before You Enroll:

If you are turning 65 or are over 65, you will need to sign up for Part B when you are first eligible in order not to incur a penalty.

Please refer to the Eligible for Medicare Part B section below for additional information.

  • Verify your provider(s) participation. Remember to always verify provider participation prior to scheduling an appointment or receiving services.
  • If covering a dependent, a valid Social Security Number must be provided.
  • If selecting healthcare coverage for your family, you must submit dependent eligibility documentation for all covered dependents.

Enrollment At A Glance:

  • You will receive your Initial Retiree Enrollment email from FBMC.
  • Using the secure online benefits enrollment tool, complete your enrollment in a School Board sponsored (Cigna (non-Medicare) healthcare plan, Medicare Advantage Plan and Prescription Drug Plan (PDP), and/or Flexible Benefits) plans by the due date.

Should you have any questions or need assistance with your enrollment, please email MDCPSretiree@fbmc.com Monday – Friday, 8 am – 4:30 pm.

Personal Information

We need an accurate email address for you to receive regular, time-sensitive information. Please make sure that when completing your enrollment form that you provide us with your current home address, phone number and personal email address. Should you need to update your personal information, please send us an email to update our records, including your name and employee number, to: MDCPSRetiree@fbmc.com or mail to:

FBMC, Office of Risk and Benefits Management,
PO Box 12241,
Miami, FL 33101-2241.

Eligible For Medicare
Part B:

If you are turning 65 or are over 65, you will need to sign up for Part B when you are first eligible in order not to incur a penalty. Contact the Office of Social Security to get the form necessary to sign up for Medicare Part B. Once you receive form L-534 (Request for Employment Information) from Social Security, please complete Section A and email the form to Risk@dadeschools.net. We are working directly with the Records Department to complete the rest of the form. Once it is completed, it will be emailed back to you.

Group Term Life Insurance Policy:

Metropolitan Life offers you the opportunity to purchase a $5,000 or $10,000 policy at a monthly cost to you and you will be billed semi-annually. To elect this benefit, complete the Group Term Insurance Form, which is included in your enrollment packet. Additionally, you are eligible to convert your Group Term Life Insurance coverage to an individual policy for an amount up to the Life Insurance in force on the date of retirement. For additional information, please contact Metropolitan Life Insurance Company at 1 (877) 275-6387.

Drop Termination Process:

In order to satisfy your employment termination requirement, you must complete the DROP Termination Notification form. Contact the Retirement Office at 305-995-7080 for assistance. Additional information may be found on their website, visit https://www.hrdadeschools.net/leaveretirement/.

BENCOR

BENCOR Specializes in creating tax-savings for public employers and their employees through retirement plans for unused sick and/or vacation days. The Plan offers a full array of investment choices for your account contributions, and BENCOR provides local Advisors to help develop a personalized retirement strategy. If you do not choose an investment option, your account will be invested automatically in your plan’s default guaranteed option. Visit www.bencorplans.com to log on to your account and find your Advisor, call (954) 524-4542, or follow them for local BENCOR updates at www.facebook.com/Bencor-Miami-Team-102940804700181/

Dependent Verification:

Retirees covering a dependent in their medical, dental, vision, and/or hospital indemnity must submit dependent eligibility documentation (i.e., marriage certificate for spouse, birth certificate for natural children) for each covered dependent upon request.

  • Dependent Social Security Numbers are required for each covered dependent.
  • Failure to submit this required documentation will result in termination of your dependent coverage.

Please click on the link below for dependent eligibility requirements.

Dependent Documentation Requirements

Download

Domestic Partner Eligibility

Download

Affidavit of Domestic Partner

Download

For questions and/or additional information about your 2026 benefits, please use the below contact information.

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FAQs

Getting Started

Am I eligible to enroll for benefits as a Retiree?

As a retiree of Miami-Dade County Public Schools (M-DCPS), you are eligible to continue healthcare coverage for you and your eligible dependents, if currently insured. If you maintained at least one active flexible benefit, you are eligible to enroll in any of the following flexible benefits:

  • Dental: Delta Dental (DHMO & PPO) and UnitedHealthcare Dental (DHMO & PPO)
  • Vision: EyeMed
  • Legal: ARAG and Hyatt (MetLaw)
  • Identity Theft Protection: ID Watchdog

Additionally, you must be currently participating in the following benefits, to be eligible to enroll. You can continue or decrease the coverage level, but you cannot increase it.

  • Hospital Indemnity Coverage (HIC): Metropolitan Life Insurance Company (MetLife)
  • Voluntary Life: Metropolitan Life Insurance Company (MetLife)
  • Accidental Death and Dismemberment (AD&D): Metropolitan Life Insurance Company (MetLife)

If you decide to cancel your healthcare coverage and/or all your Flexible Benefits during this enrollment period, you will not be allowed to re-enroll in any School Board-sponsored plan in the future..

Eligibility

Can I add my dependents during this enrollment period?

Yes, if currently insured. Otherwise, you will need to wait until the next open enrollment period.

Can I enroll my eligible dependent(s) and not cover myself in the healthcare benefits plan?

No. You must cover yourself in order to cover your eligible dependent(s). Be sure to coordinate your healthcare election with your spouse’s in the event that only one of you is Medicare eligible.

Can I cancel my dependents during this enrollment period?

Yes. You can terminate your dependent coverage, but you will not be eligible to re-enroll until the next open enrollment, unless you have experienced a qualifying Change in Status (CIS) Event, provided you have maintain your enrollment in a School Board sponsored Healthcare plan.

What if my eligible dependent is Over 65 and I am Under 65 or vice versa?

Under Age 65 and NOT Medicare Eligible or Over Age 65 and TRS NOT Medicare eligible:

Eligible retirees or dependents may choose to enroll in one of the below Cigna healthcare plans:

  • Cigna OAP Extended Network
  • Cigna LocalPlus Focused Network
  • Cigna SureFit Network

Over Age 65 or Under Age 65 with Medicare Parts A & B:

The below healthcare and prescription plans are available through the School Board. These plans are only offered to Medicare recipients enrolled in both Medicare Parts A & B.

  • Nine Medicare Advantage Plans: Four AvMed plans; three Humana plans; and two UnitedHealthcare plans.
  • Three UHC Medicare Supplement Plans: A, G & N
  • Three Part D Prescription Drug Plans (PDP): UHC

Coverage

If I cancel my healthcare coverage could I enroll at a later date?

No. If you cancel your healthcare enrollment, you will never again be offered the opportunity of enrolling in a School Board sponsored Healthcare plan.

What happens to my medical plan if I become Medicare eligible during calendar year?

To enroll in Medicare Part B, contact your local Social Security office. According to CMS guidelines, you are required to enroll in a Medicare Product. The Office of Risk and Benefits Management will send you an Over 65 Benefits Package, 60 days prior to the birth month in which you reach age 65 to provide you with the opportunity to enroll in an offered Medicare healthcare plan. You will be automatically dis-enrolled from your Cigna healthcare plan.

It is your responsibility to notify us of Medicare entitlement awarded before age 65, if not, this will result in an automatic termination of your Cigna plan.

Dependent Verification

Do I have to submit dependent documentation for my covered dependents?

Yes. Dependent documentation must be submitted for all covered dependents, if not previously submitted. If documentation is not provided your dependent will lose their eligibility status.