Retirement Promises Not Kept

The condition of retirement for many employees at ADP was that ADP would provide medical coverage at the same group rate for 2 years. I recently learned that Aetna will not cover a former employee after employment during those 2 years if the employee is over 65. They said the employee needs to apply for Medicare. That is not what ADP told us. Therefore, many of us are without health insurance until we apply for and get approved for Medicare, which can take weeks.

While still employed past 65, we had Aetna coverage instead of Medicare. ADP should have made their retiring employees aware that the 2 years of coverage will change if the employee is over 65 and that Aetna will no longer remain the primary coverage.

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Reading is hard

Just reading everything and knowing what this coo coo ADP is doing is maddening. How do they even run the business on a daily basis while plotting all these employee cuts is just so unbelievable. I hope they go out of business.

Sounds like Obama's promise that you can keep your doctor and healthcare plan.

Page 9 of the handout that was sent out to VERPs to consider retirement does talk about Medicare. If you become 65 during the period you will be required to enroll with medicare being your primary medical and ADP being the second.

Agreed. I came out of the process with the understanding that I would have 2 years medical coverage, however I turn 65 near the end of the 2nd year, so moot for me. Not sure the effect on my wife and child (when I emailed my HR contact, I was told to "call in and talk to the team". That was almost good for a ROFL) I am guessing that I will be paying for both Cobra and Medicare for awhile. Oh well, could be worse, though Mercer is not easy to work with., so it will actually be good when I am done with them. :)

Follow up to my last post. VERP Transition guide: "Please keep in mind that if you or your dependents are eligible for Medicare, your ADP coverage will continue as secondary coverage during the 24-month period". I think the operative work here is "eligible". We become eligible at age 65 (and actually get automatically enrolled in part-A), even if we defer actual enrollment into part-B till a later date.

You mean there is inaccurate information posted on this site? Imagine that. Thanks for clearing that up.

Not sure where I found it, but it was mentioned. May have been one of the webinars. I'll be 65 in August and eligible, so that's why I started checking what I could. As I understand it, once on Medicare, it becomes primary payer and the ADP plan will become secondary payer. So I don't lose the ADP benefit. They just pay their part of what Medicare doesn't cover. What I'm not sure of is how, or if, this impacts the monthly premium since UnitedHealthcare would no longer be primary insurance paying the bulk of any medical services. Dependant coverage doesn't change. Still primary payer.

I scoured the FAQ packet and I can't find it anywhere that you're forced to jump to Medicare at 65. This is a major omission because a lot of retirees were counting on the 2 years of coverage.

Really sorry to hear this. Can’t say it’s a surprise they are still screwing people after they’ve left. Just like with updates and rollouts nothing is thought through beginning to end.

wow! that's not right. They really didn't make it clear in the offering.. Maybe my mistake, but I had assumed ADP was providing medical for 2 years , on the same plan I had while employed. Not so.. I had to change my plan..they wouldn't let me change until open enrollment (even though I would think VERP sould be considered a life change), so I had to pay close to $1,000 to continue my coverage through Cobra until I could downgrade to the plan ADP was providing in January.

Thread regarding ADP layoffs

Retirement Promises Not Kept

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