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Planning Your Retirement

Planning Your Retirement

Retiree Quicklinks

403(b) and 457(b)

All employees have the option to contribute to a 403(b) and/or 457(b) plan, which is a voluntary, tax-deferred retirement savings account. A 403(b) or 457(b) is a personal investment decision that allows employees to supplement their pension with additional savings.  

The OMNI Group is Clovis Unified School District's third party administrator for 403(b) Tax Sheltered Annuity and 457(b) Deferred Compensation Plans. Click here for an informational flyer.

For More Information Click Here

Lifetime Benefits Eligibility & Process

Certificated & classified District employees who have the option of continuing their benefits under the Retiree Lifetime Health Agreement must:

  • meet the minimum age requirements
  • have been approved for retirement by their respective retirement systems (CalSTRS or CalPERS)
  • and have worked for the District for the required amount of years based on their hire date (see below)

Click here for an Example of the Retiree Lifetime Health Agreeement

  • Hired PIOR to 9/1/2007

    15 years of cumulative benefits required

    VS

    Hired AFTER 9/1/2007

    30 years of cumulative benefits required

     

    Board Policy 4154 4254 4354

  • Certificated & classified District employees who have confirmed their eligibility for retiree lifetime benefits then:

    Step 1

    File for Retirment through CalSTRS or CalPERS

    Click herre to access Human REsource’s Employee Retirement Systems page with direct links to PERS & STRS websites. 

    For more information regarding details of your pension, please reach out to your respective retirement system or your HR Specialist.

    Step 2

    File for Retirement through CUSD

    Click here to access Human Resource’s main page where you can find the Resignation/Retirement form under Employee Forms.

    If you qualify for Lifetime Benefits, Human Resources will route your resignation form over to the Benefits Department on your behalf.

    Step 3

    Complete your Retire Lifetime Health Agreement

    The Benefits Deparment will automatically reach out to your via email to start the process of transitioning you over to retiree benefits. Once you receive the link to the Retiree Lifetime Health Agreement through InformedK12, you will complete it and submit electronically back to the Benefits Department. 

    You will receive a copy of your Lifetime Health Agreement when the Benefites Department has fully processed it. Click here for an example of the Retiree Lifetime Health Agreement. 

    Step 4

    Wait for your first Retiree Premium Invoice

    Upon Completion of your Lifetime Health Agreement, the Benefits Department will let you know your next steps & relevant need-to-know information about retirement. 

    At this point, you will know when your active employee benefits end, when your retiree benefits start, what your retiree premium per month will be, and when to expect your first invoice. You will receive the invoice via mail & pay as directed.

    For more information regarding retiree premiums and payment options, please click here.

  • P&A Group Portal Click Here

    Toll-Free Support: 716-852-2611

    Account Type: Retiree/Direct Billing

    Email: GIBilling@padmin.com

    Monday through Friday 5:30 AM to 7:00 PM

  • Retiree premiums are due on the first of every month. Clovis Unified re-evaluates premiums before the start of every plan year. This re-evaluation can result in the increase or decrease of premiums depending on the cost of claims from the previous plan year. Any changes to retiree premiums are effective on September 1st.

     

  • 1 – Check or Money Order

    2 – ACH Payment

    3 – Secure Online Payment

    4 – P&A Group’s IVR

  • Clovis Unified School District has partnered with P&A Group as the retiree premium billing administrator. As a retiree, you will be responsibile for remitting retiree premium payments directly to P&A Group. P&A Group has a dedicated member service line for all questions directly related to premium payments.

    P&A Group generates invoices on or around the 15th of the month for the following month’s payment. If paying by check, payments should be accompanied with the bottom portion of the invoice. If the retiree is set up for automatic payments, paper invoices will not be mailed. Members can access electronic invoices & other information through P&A Group’s online portal.

Working After Retirement

CalPERS Guide to Employment After Retirement

  • CalPERS retirees can work as a retired annuitant for a CalPERS employer without reinstating from retirement; but there are restrictions.

Working After Retirement CalSTRS Flyer 

  • If CalSTRS retirees return to work after service retirement and perform retired member activities, including substitute teaching, as an employee of a California public school system, an employee of a third party, or an independent contractor, there are restrictions.

Other Resources