This page provides general information on the dental and vision plans available to retired CSEA employees. The Benefits Unit does not recommend or endorse any plan. Members who are Retiring are advised to assess their dental and vision needs and then decide which option is best.
The CSEA Employee Benefit Fund provides dental and vision care benefits for CSEA employees while they are actively employed. A CSEA member’s dental and vision coverage will end 28 days after the last day of the payroll period in which he/she worked. Members who are retiring have the following five options for continuing dental and vision coverage:
Option 1: Dental and Vision Benefits through the Consolidated Omnibus Budget Reconciliation Act (COBRA)
About COBRA: Upon the termination of enrollment in the CSEA Benefit Fund, retirees are notified by mail that they may continue vision and dental programs under COBRA. COBRA is a federal law that requires most employers sponsoring group health plans to offer employee and their families the opportunity for a temporary extension of all types of health insurance coverage. In the event a retiree does not receive COBRA information from the CSEA Benefit Fund, he/she must request this information and an application form. This request must be made no later than 60 days after the coverage would otherwise end.
COBRA for NYS Retirees: If a retiree chooses to enroll they will receive both dental and vision benefits. Because COBRA is an actual continuation of benefits, coverage remains the same for a retiree as it was when he/she was an active employee. And, the same rules apply for using your benefits. Under COBRA the retiree may keep this coverage for up to 36 months.
How to Enroll in COBRA: Questions regarding COBRA coverage should be directed to the CSEA Benefit Fund at 1-800-323-2732 or 518-782-1500. Please note that coordination of benefits is NOT permitted under COBRA.
Option 2: Emblem Health (GHI) Direct Payment Plan
All New York State employees regardless of negotiating unit, who are enrolled in health insurance are automatically sent enrollment information on GHI Retiree Dental Plan at the time of their retirement.
- You must enroll no later than 90 days post-retirement, or immediately following the end of COBRA coverage. You should automatically receive an enrollment form and summary of benefits after you retire, or at the end of the COBRA Period. This plan is a conversion policy that is administered by Emblem Health (GHI).
- Additional information on this policy may be obtained by contacting Emblem Health at 1-800-947-0101.
Option 3: Employee Benefit Fund (EBF) Dental and Vision Programs
Retiree dental and vision benefits are also available from EBF. You must meet the following criteria to be eligible:
- Retire directly from employment with New York State
- Were covered as an active CSEA NYS employee on the date of your retirement by the EBF and were eligible for dental and vision benefits
- You had a continuous dental and vision coverage from retirement under a Fund-sponsored dental plan OR *other dental plan acceptable by EBF (This applies if you did not elect EBF COBRA or EBF Retiree Programs immediately at retirement and are contacting the Fund after you have retired and elected other coverage i.e. Pearl Carroll.
- Participants must elect Retiree Dental and/or Vision Plan coverage with EBF no greater than 90 days for their termination date OR COBRA ending.
Other Options for Dental and Vision Programs
Dental: There are 3 other dental plans to choose from:
- Pearl Carroll Choice 1 (CIGNA) Plan
- Pearl Carroll Choice 2 (Metropolitan Life)
- CSEA Retiree Reduced Fee Dental Program (offered through CSEA).
Vision: There are also 2 other vision plans to choose from:
- Pearl Carroll
- Davis Vision
You must be a dues-paying CSEA Retiree Member to be eligible for these benefits.
For more detailed information regarding all of the above dental and vision plans, please visit the CSEA Employee Benefit Fund website at: www.cseaebf.com.