Coverage selected by the retiree must be with one of the insurance carriers that provide coverage in the county of residence of the retiree. Coverage in one of the KTRS medical plan is through the retiree. If the spouse is not covered by the KTRS medical plan at the time of the retiree's death, the spouse will have 30 days from the date of death to elect coverage. Insurance will become effective the first day of the month following your effective retirement date. If you waive coverage in one of the KTRS medical programs at the time of retirement, you may only enroll during an open enrollment period or if you experience a qualifying event that would allow you to enroll outside the open enrollment period.
Open enrollment occurs once a year.
It is the responsibility of the retiree to prove eligibility. Each month KTRS pays a supplement toward the insurance premium. If the monthly premium is more than your supplement, the difference will be deducted from your annuity. Not Eligible Home About KTRS KTRS Board of Trustees Map To KTRS Contact KTRS Kentucky Home Page View KY by Org. Kentucky Teachers' Retirement System 479 Versailles Rd.