Caltech - Retiree

Caltech - Retiree  


What’s new for 2019

  • Caltech has increased their contribution to the Retiree Defined Dollar Credit. See page 6 of the 2019 Enrollment Guide for details.
  • Spouse Defined Dollar Credits will be 50% of the retiree’s annual credit per years of service.
  • Most plan rates will increase. Make sure you check and understand your monthly plan costs.


See pages 8–15 of the 2019 Enrollment Guide for details about the 2019 health plan options and their associated costs.


Important messages; keeping you informed.

  • FAQs

  • Filing an online claim with Discovery Benefits for service dates prior to January 1, 2019

  • Optional Service for Setting Up Automatic Premium Payment (EFT/ACH)

  • Discovery Benefits 2019 HRA Welcome Packet

  • Information about the transition to the Caltech Retiree Service

    Important Announcement for Caltech and JPL Retirees and Eligible Dependents

    Based on feedback from the retiree community, we are making changes to Caltech’s Retiree Health & Life Benefits program administration. Starting in January of 2019, you will have a single point of contact for enrollment and billing questions. The specific changes are outlined below.

    • The Caltech Retiree Service Center, operated by Mercer Health and Benefits Administration, LLC (Mercer), will replace Aetna Marketplace as the enrollment administrator.
    • Mercer will also replace WageWorks as the billing administrator.
    • Discovery Benefits, Inc. will replace WageWorks as the Health Reimbursement Account (HRA) administrator.

    It is important to know there will be no changes to the Caltech Medical, Dental, and Vision health insurance providers.  You will keep your same Aetna or Kaiser plan that you are enrolled in unless you decide to make a change during the Annual Open Enrollment period.

    What This Change Means

    • You may now call the Caltech Retiree Service Center, Monday through Friday from 5::30 am to 6:00 pm (Pacific Time) at 1-855-251-0910.
    • If you owe a monthly premium for your 2019 elections, Mercer, not WageWorks, will send you monthly invoices and you will send payments to Mercer starting January 1, 2019.
    • If you have funds in a HRA, you will submit claims to Discovery Benefits, not WageWorks starting January 1, 2019.
    • Additional information can be found on the enclosed Frequently Asked Questions.

    We appreciate your input as well as your patience as we transition to the Caltech Retiree Service Center operated by Mercer and Discovery Benefits.  If you have questions or concerns about this change, please contact me or a member of the benefits team at Campus and JPL as follows:


    Michelle Jaross

    Director, Benefits and Compensation, Human Resources

    Phone: 1-626-395-3421


  • Understanding your Caltech Retiree Service Center Monthly Billing Notice

    All monthly bills generate the first Saturday of each month for the next month’s premium due.  Below is an example of how the billing process works:

    • The bill for October premium is generated on the 1st Saturday in September  and payment will be due October 1.
    • If full payment is not received by the October premium due date, 10/1, a second billing notice generates on the 1st Saturday in October. This billing notice will include the November premium amount in addition to the October amount due.
    • October’s premium payment must be received by The Caltech Retiree Service Center no later than October 31st in order to keep coverage active.


    Click here to view a PDF further explaining your premium notice.

  • When to Contact the Caltech Retiree Service Center?

    We are Mercer and we have partnered with Caltech to provide all of your retiree health benefit administration services. Please feel free to contact us if you have any questions regarding the Caltech Retiree Health Benefits Program.

    We handle the administration services for Caltech, please contact us if you have any questions regarding:

    • Enrollment status/coverage elections
    • Billing statement/payments/signing up for electronic payment
    • Plan eligibility information
    • Payment information
    • Address/phone number changes
    • Notifications of deaths
    • Termination of coverage for yourself or dependents
    • Power of attorney designation/authorized representative

    We can be reached at, 1-855-251-0910 (TTY: 1-866-508-5123) Monday – Friday, 5:30 a.m. – 6:00 p.m., Pacific Time.

  • New Retirees

    If you have declared your retirement date please review the following information. Click Here
  • How to Update Your Address?

    Address Changes

    If there is an address change, please contact the following applicable parties to ensure your records are correct:

    • Caltech or JPL – Please contact Caltech Benefits by email or by phone at 1-626-395-6443. Please contact JPL Benefits by email or by phone at 1-818-354-3760.
    • Caltech Retiree Service Center – Medical, Dental, Vision, Life, and HRA Benefits. Please call 1-855-251-0910 Monday – Friday, 5:30 a.m. – 6:00 p.m., Pacific Time.
    • TIAA – Manages your retirement savings options. Please call them at 1-800-842-2252 to update your information, or go to TIAA's website.
  • Forms/Notices

  • Retiree Service Center Holiday Schedule

    Click Here for the 2018 Holiday Schedule.

    Click Here for the 2019 Holiday Schedule.

  • What kind of questions can I ask the Caltech Retiree Service Center?

    You may ask the Caltech Retiree Service Center questions about any of the following:

    • Aetna and Kaiser insurance plan eligibility;
    • Monthly premium payments;
    • Address and phone number updates;
    • Requests for enrollment materials;
    • Life insurance beneficiary updates;
    • Making changes to your coverage (such as gaining/losing other coverage, or becoming eligible for Medicare);
    • Obtaining ID cards from Aetna and Kaiser;
    • Death notifications;
    • Designation of an authorized representative or Power of Attorney;
    • Defined Dollar Credit (DDC) allowance amount from Caltech, and basic Health Reimbursement Account (HRA) questions
    • Mercer will put you in direct contact with Discovery Benefits if you have more detailed HRA questions such as how to file Health Reimbursement Account (HRA) claims and account balance information.