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Senior Performers

When you retire and no longer qualify for Plan coverage through earned eligibility, you may qualify for senior performers coverage based upon your age and the number of retiree health credits you have earned.

What is a retiree health credit? 

A retiree health credit is credit toward eligibility for future senior performers coverage. Credits are earned through covered employment during a calendar year. 

Prior to 2017, the AFTRA Health Plan and the SAG-Producers Health Plan had different rules for earning a retiree credit.

  • SAG participants earned pension credits under the SAG-Producers Pension Plan.
  • AFTRA participants earned one qualifying year for every year he or she qualified for health coverage.

How are retiree health credits calculated for SAG and AFTRA work prior to 2017?

To calculate your retiree health credits for the SAG-AFTRA Health Plan as of January 1, 2017:

  1. Look at the total SAG pension credits and AFTRA qualifying years you have earned throughout your career prior to January 1, 2017. (These numbers will be available in a letter that you will receive from us by the end of April 2017 or by logging in to your Benefits Manager.) We take the greater of the two totals to determine the base plan.
  2. Count any of the years in the other plan that do not overlap with the base plan years from 2009 to 2016.
  3. Add the base plan years to the years that did not overlap to get the total retiree health credits.

Using the example below, we add the 6 SAG pension credit base years to the 2 AFTRA qualifying years that did not overlap with the base plan to get a total of 8 SAG-AFTRA Health Plan retiree health credits.

retiree-health-credit-chart

How are retiree health credits calculated if there are equal years in SAG and AFTRA?

If you have equal amounts of years in SAG and AFTRA: 

  1. Look at the SAG pension credits and AFTRA qualifying years you have earned throughout your career prior to January 1, 2017. The plan with fewer non-overlapping years between 2009 and 2016 becomes the base plan.  
  2. Count any of the years in the other plan that do not overlap with the base plan years from 2009 to 2016.
  3. Add the base plan years to the years that did not overlap to get the total retiree health credits.

Using the example below, we add the 8 SAG pension credits to the 2 AFTRA qualifying years that did not overlap to get a total of 10 SAG-AFTRA Health Plan retiree health credits.

retiree-health-credit-same-years-chart

How can I earn retiree health credits now and in the future?

As you meet eligibility requirements throughout your career, you may continue to earn retiree health credits. As of January 1, 2017, if you earn at least $22,000 in covered earnings during the calendar year, you earn a retiree health credit for that year. Starting January 1, 2018, and on January 1 of every year after through 2022, the covered earnings threshold to earn a retiree health credit is scheduled to increase by $1,000. 

When will I qualify for senior performers coverage?

The Plan offers coverage to retirees (and their qualified dependents) who meet each of the following criteria:

More information about benefits specifics, Medicare coordination and dependent coverage is in our Summary Plan Description. 

  • Are age 65 or older;
  • Are receiving a pension from either the SAG-Producers Pension Plan or the AFTRA Retirement Plan (if you are eligible for a pension from both of these plans, you only need to take your pension from the SAG-Producers Pension Plan); and
  • Have at least 20 retiree health credits.

Retirees with less than 20 retiree health credits may be eligible when they turn 65 if, as of January 1, 2017, they had at least either 15 qualifying years under the AFTRA Health Plan or at least 15 pension credits under the SAG-Producers Pension Plan, and they were at least age 55.

What types of benefits do senior performers receive?

Senior performers' benefits are the same as those provided to SAG-AFTRA Health Plan participants with earned eligibility under Plan I, except that the life insurance benefit is $5,000 (as opposed to $10,000) and there is no accidental death and dismemberment benefits. For current premium rates, please see the Premiums page.