Benefits

Faculty and staff members who are in active employment and are at least age 52 with a minimum of 10 years of service, are eligible to retire from the college. 

Beginning January 1, 2026, newly hired Faculty and Staff will have new eligibility for retirement benefits: (1) 55 years of age; (2) a minimum of 15 years of service, and; (3) a minimum combined years of age and service of 75. 

You may use this Retirement Booklet if you are planning to retire from the college. To begin the retirement process, you must send a written notification of your retirement to your manager/Dean, and submit your Intent to Retire via OberView. Once Human Resources receives your intent to retire, a Retirement Packet will be prepared for you.

Medical and Prescription Insurance 

Employees who are eligible to retire and who were covered under one of Oberlin College’s group health plans while in active service, may enroll to continue to participate in the health plan during retirement. 

• Retirees under 65 will be enrolled in the Consumer Driven Health Plan with a Health Reimbursement Account (HRA)
• Retirees aged 65 and over will be enrolled in the Medical Mutual Medicare Advantage Plan with Express Scripts (prescription coverage).
• Retirees under 65 whose spouse or Domestic Partner is aged 65 and over, and participates in our  health plan, will also be enrolled in the Medical Mutual of Ohio Retiree Comp Plan. 

Vision and Dental Insurance  

To continue or elect coverage in the Vision and/or Dental plans, you must indicate your choice at the time of retirement. 

• 2026 RAMP Rate Schedule
• Retiree Stipend Option Summary
• FAQ Health Reimbursement Arrangement (HRA) 

MedMutual Medicare Advantage Plan Participants - age 65 or older, and enrolled in Medicare Part A and Medicare Part B

• MedMutual Advantage Plan Enrollment Guide 2026
• MedMutual Plan Document & Directory Requests 2026
• MedMutual Annual Notice of Changes 2026
• MedMutual Evidence of Coverage 2026
• MedMutual Summary of Benefits 2026

Where to get care in and out of Ohio

• In-network, full-benefit coverage for services incurred anywhere in the US or US territories.
• Must use providers that accept Medicare.
• No travel restrictions.
• Providers that accept Medicare or MedMutual Advantage plans can be found using search tools.
• https://www.medicare.gov/
• https://providersearch.medmutual.com/

Questions? We encourage you to contact MedMutual Customer Care Center at 1-800-801-4823 (TTY: 711 for hearing impaired). Written correspondence may be mailed to: Medical Mutual Medicare P.O. Box 94563 Cleveland, OH 44101 or Fax: 1-216-687-7885

For more information about Medicare, contact Medicare directly at 1-800-MEDICARE (TTY: 1-877-486-2048 for hearing impaired), 24 hours a day, seven days a week. You can also visit Medicare.gov.

Medicare Supplement transition COMP plan - 2026 Summary of Benefits (SBC) 

Medicare Supplement transition COMP plan - 2025 Summary of Benefits (SBC)

COMP Plan - Summary Plan Description

Benefits coverage for you and your eligible dependents in effect at the time of retirement can continue.  Covered dependent children remain on your benefits until they no longer meet eligibility requirements,  usually the end of the month in which they turn 26 for health, vision and dental insurance. Note: A retiree cannot add a dependent during retirement. 

Faculty Retirement Pay Analysis

403 (b) (TIAA)

Social Security

Group Life and Accidental Death

Long Term Care & Plans Ending Upon Retirement

Retirees Who Move or Change Address

Additional Retiree Benefits 

Oberlin College Department of Human Resources

173 West Lorain St.
Oberlin, OH 44074
440-775-8430

Email: Benefits@oberlin.edu 

Social Security Administration

221 West 5th St.
Lorain, OH 44052
(866)415-0172
www.socialsecurity.gov

Medicare

(800) 633-4227
www.medicare.gov

TIAA

(800) 842-2776

TIAA.org 

Medical Mutual

(800) 586-4509

www.myhealthplan.com 

CVS Caremark

(844) 283-4674

https://www.caremark.com

Superior Dental Care

(800) 762-3159

https://superiordental.com

Ohio Senior Health Insurance Information Program (OSHIIP)

1 (800) 686-1578

https://insurance.ohio.gov/about-us/divisions/oshiip

HIPAA Privacy Practices - This notice describes how medical information about you may be used and disclosed.

HIPAA Special Enrollment Rights - This notice provides information about your rights and protections as participants in group health plans.

Summary Annual Reports - This gives notice of the annual report summarizing each benefit plan subject to ERISA.

• Retirement Plan
• Universal Availability Notice
• Health and Welfare Benefit Plan Summary Annual Report

Women's Health and Cancer Rights Act - This notice describes your rights after a mastectomy.

Creditable Coverage Disclosure Notice - This notice is about your prescription drug coverage and Medicare.

USERRA - This notice describes your rights under The Uniformed Services Employment and Reemployment Rights Act.

Drug-Free Workplace Act - This notice informs you about the college policy to maintain a drug-free workplace.

Open Enrollment

Active Employee: October 6, 2025 - October 24, 2025

Retiree: October 15th - December 7th

Changes made will be effective January 1, 2026

Active Employee

• 2025 Open Enrollment Letter  

Retiree

• 2025 Open Enrollment Letter  - mailed to your home 

Oberlin College has a passive open enrollment period, meaning if no changes are made to medical, vision, dental, and/or life and accidental death and dismemberment, the benefit you are enrolled in will continue into the next calendar year.

If you contribute to a charitable organization, Dependent Care - Flexible Spending Account (FSA-DC) or Health Savings Account (HSA) through payroll deduction, you must re-enroll for 2026.

Enrollment/Changes can be made for Medical, Dental, Vision, Flexible Spending Dependent Care Account (DCFSA), Health Savings Account (HSA), Optional Life Insurance, Optional Accidental Death & Dismemberment (AD&D), and Charitable Deductions.

Online Open Enrollment - Log in to OberView and go to Open Enrollment to make your choices online. Each time you go into your choices you must click “Complete” – even if you do not make changes.  Click here to access a guide to help you.

Paper forms are available for each benefit and must be uploaded to the open enrollment submission folder for scanning and processing. Original documents are not required.

You may also bring your paperwork to the Human Resources office located in the Service Building Suite 205. Monday through Friday 8 am to 5 pm. A secure lock box is available after hours.

USPS Mail: Human Resources 173 West Lorain Street, Suite 205 Oberlin, OH 44074

Email: benefits@oberlin.edu  

Phone: (440) 775-8430    Confidential Fax: (440) 775-8438

Here are some key questions that often come up during open enrollment.

If I am not making any changes, do I need to do anything? Coverage for the benefits you are enrolled in will continue into the next calendar year. This includes medical/prescription, vision, dental, optional life, optional accidental death and dismemberment.

Do I need to complete a Spousal Coordination of Benefits Form? Yes, if you have a spouse covered on your medical plan in 2025 you will be required to complete this form by the end of open enrollment. No, if you will not have a spouse covered on your health plan. Each year this form is required to verify eligibility. Failure to complete this form will result in termination of coverage. Retiree do not need to complete this form.

Do I need to re-enroll in Health Savings Account (HSA) account contributions through payroll deduction? Yes, if you would like to contribute to your HSA account, you must re-enroll each calendar year. The annual IRS maximum contribution amounts increased. You may start and stop making contributions at any time throughout the year. 

Do I need to re-enroll in a Flexible Spending Account for Dependent Care (FSA-DC)? Yes, if you would like to contribute to your FSA-DC account, you must re-enroll each calendar year.  The annual IRS maximum contribution amounts increased.

How can I see a copy of my benefits? In OberView go the Employee Dashboard and click on Benefits, then click Current Summary, then click on the date you want to see. The plan, premium, covered people, and coverage amount (if applicable) will be displayed.

How can I make a change? Log in to OberView and go to Open Enrollment to make your choices online. Paper forms are available for each benefit and must be uploaded to the open enrollment submission folder for scanning and processing. Original documents are not required.