Retiree Benefits

Click on the tabs below to view highlights and associated forms regarding your retiree benefits or download a digital copy of our Retiree Dental Booklet / Retiree Vision Booklet / Retiree Dental and Vision Booklet for a full overview of coverage.

As members of CSEA move towards retirement, rest assured that CSEA offers you the opportunity to continue dental and vision benefits into retirement.

EBF Retiree Benefits
New York State

If you are a NYS employee in the Administrative, Institutional, Operational or Department of Military and Naval Affairs bargaining units, dental and vision benefits do not continue into retirement. Dental and Vision benefits do not become part of your health insurance and must be purchased separately. They are not part of Medicare.

Unified Court System

If you are a member of the Unified Court System, dental and vision benefits continue into retirement.

Local Government

If you are employed by a local government political subdivision such as a Town, Village, County, Public Authority or School District, please check with your employer to find out what benefits you carry into retirement.

Rules in Common

  • Not All participants have access to both Programs
  • You have a maximum of 90 days from your termination date due to retirement or 90 days from your COBRA end date due to retirement to elect the Program(s).
  • You had to have a negotiated EBF dental or vision plan on the date of your retirement to access the program(s).
  • Your employer had to sign a separate Retiree Memorandum of Agreement for either/both program(s) during the course of your employment to be eligible for participation.
  • Participants with access to both programs and elect both programs must start both programs in the same month.
  • If you are eligible and elect a Retiree Program, monthly premiums must be paid through the Recurring Payment Program(pdf) .
  • Coverage is offered in three tiers: Retiree, Retiree +1 and Family.
  • Who is an eligible dependent? A spouse, domestic partner, your children, stepchildren and legally adopted children, under the age of 26 whether residing with you or not and regardless of marital status and/or student status.
  • A minimum of 12 months participation is required for the enrollee and any eligible dependents.

Retiree Dental FAQ's

  • You were previously covered by an EBF dental plan on or after July 1, 2002.
  • You retire directly from employment with your employer and had an EBF dental plan in place on the date of your retirement.
  • Your employer signed a Retiree Memorandum during your employment for Retiree Dental coverage into retirement.

  • $2000 annual maximum per covered participant
    • Note: A retiree cannot obtain coverage for him/herself or dependents if covered under another EBF dental plan.
  • $500 allowance towards the cost of dental implant body -2 per calendar year
  • Participating Providers* who accept the Retiree Dental Plan fee schedule as payment in full for covered services.

    * Excludes Dental Implants

  • Easy Payment Options
    • All participants of the EBF Retiree Programs must pay through a Recurring Payment Program (electronic transfer of payment between your bank and the EBF). Checking, Savings or automatic billing to a credit card (Mastercard, Visa or Discover) is offered. Pension deduction is not available. All payments are deducted on the 1st of each month.

You may use any licensed dentist for dental care. If you choose to use a non-participating dentist and are charged more than the amount listed under the schedule of allowances, you are responsible for the balance.

Yes – Enrollees and any eligible dependents are required to stay on for a minimum of 12 months from their initial enrollment date unless a qualifying event occurs.

Payments are made through a Recurring Payment Program - regularly scheduled electronic transfers from a designated checking or savings account or automatic billing to a credit card. Payments are due on the 1st of each month. Information is included with your one-time bill once your application for retiree benefits has been processed.

Please note: A $20 fee will be charged by the EBF for each payment declined by your bank.

You must notify the Retiree Department no later than the 25th of the current month to terminate coverage at the end of that month.

Please note: If you cancel coverage, there is no reinstatement in the program(s).

Retiree Vision FAQ's

  • You were previously covered by an EBF vision plan on or after June 1, 2016.
  • You retire directly from employment with your employer and had an EBF vision plan on the date of your retirement.
  • Your employer signed a Retiree Memorandum during your employment for Retiree Vision coverage into retirement.

  • One eye exam and one pair of glasses OR start up supply of contact lenses once in a calendar year.
  • Over 1500 providers in New York State and over 13,000 nationwide
  • Fixed co-pays for services not covered under the Program.
  • Guaranteed rates through 6/30/24

  • Participants using a Plan Provider and staying within the Retiree Vision Program pay no out of pocket costs at the provider office.
  • Participants using a non-provider for vision services must submit for a fee scheduled reimbursement on a Vision Care Reimbursement Form
  • To obtain a copy of the Retiree Vision Plan Allowances, please refer to the Retiree Vision Booklet (linked at the top of this section)

Yes – Enrollees and any eligible dependents are required to stay on for a minimum of 12 months from their initial enrollment date unless a qualifying event occurs.

Payments are made through a Recurring Payment Program - regularly scheduled electronic transfers from a designated checking or savings account or automatic billing to a credit card. Payments are due on the 1st of each month. Information is included with your one-time bill once your application for retiree benefits has been processed.

Please note: A $20 fee will be charged by the EBF for each payment declined by your bank.

You must notify the Retiree Department no later than the 25th of the current month to terminate coverage at the end of that month.

Please note: If you cancel coverage, there is no reinstatement in the program(s).

Retiree Dental Comparisons

The comparisons below offer helpful information for the options available as a retiree. To select a comparison, you must know what dental plan you had as an active employee. COBRA options are included on the comparisons.

  • Dutchess Comparison
  • Equinox Comparison
  • Horizon Comparison
  • Sunrise Comparison
  • State Comparison
  • Liquidation Bureau Comparison
  • Member Plus Comparison
  • Nassau BOCES Comparison

    • Retiree Vision Comparisons

    The comparisons below offer helpful information for the options available as a retiree. To select a comparison, you must know what vision plan you had as an active employee. COBRA options are included on the comparisons.

  • Silver Vision Comparison
  • Gold Vision Comparison
  • Platinum Vision Comparison
  • Dutchess Vision Comparison
  • State of New York Vision Comparison
  • Liquidation Bureau Comparison
  • Member Plus Vision Comparison

    • If you reside outside of New York State, please use the following guidelines when submitting claims:


    Dental Guidelines:

    • Dental coverage does not require use of a participating dentist. Areas where there are no providers result in the member being reimbursed for covered services on the fee scheduled amount for the services rendered. Charges over the fee schedule are the responsibility of the member. To obtain a copy of your dental fees, please refer to the Retiree Dental Book
    • To find out of state dental providers, visit our Provider Search then click “select state” and scroll to the state you need. Click “Find Providers.” Note: only states with providers are listed.
    • Completed dental claims must be submitted on a Universal ADA Claim Form. The EBF ID# is required for claims to be processed. Dental Claim Forms are available for downloading here.
    • Claims can be mailed to the CSEA EBF, PO Box 489, Latham, NY 12110-0489
    • The EBF accepts electronic claims from Change Healthcare, Tesia, and DentalXChange clearinghouse. Our payor number is CX054.

    Vision Guidelines:

    • The EBF offers a national network of vision providers throughout the United States and Puerto Rico. On the Provider Search page, click the Vision Tab. To find providers in any state, click the “Select State” search box and scroll to the state you need. Click “Find Providers”
    • Submit a Vision Care Reimbursement Form(pdf) if you are not using a participating vision provider. Send to CSEA EBF, PO Box 516, Latham, NY 12110-0516.
    • For plan details, please refer to the Retiree Vision Book

    CSEA Retirement Guide

    CSEA has created a Retirement Guide that is available through the CSEA Member Benefits Department (1-800-342-4146). The Guide is a planning and reference tool for CSEA members and provides important information on pension, social security benefits at retirement as well as insurance plans endorsed by CSEA. The Retirement Guide, references several dental plans available for purchase. To assist the retiree in choosing the right plan for them, dental and vision comparisons have been prepared showing the difference between all plans listed in the guide.