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Returning To Work at Rutgers
Rutgers is a great place to work, and after retiring you may decide to return to Rutgers. You can view available positions on our website. If you are not looking for full-time employment, you may want to consider a temporary job opportunity.
Should you decide to return to work at Rutgers after retiring, it is important to understand how your retiree benefits may be affected. Please note that there should be at least a one month break (30 calendar days) between your retirement date and re-employment date.
Important Information Regarding Health Insurance, Life Insurance, and Retiree Survivor Benefits
Benefit |
PERS Information |
ABP Information |
Health Insurance (Medical, Prescription, and Dental) |
Retired-status health benefits for you and your covered dependents are suspended during your re-enrollment in PERS.However, if you return to work as a regularly appointed full- time employee, you may enroll in active-status State Health Benefits Program. |
If you return to work as a regularly appointed full-time employee, you may choose between remaining in retired-status health benefits or enrolling in active-status State Health Benefits Program. |
What happens to health insurance when |
If you are eligible for SHBP coverage based on your second retirement, the Division of Pensions and Benefits will send you an offering letter and enrollment application. If your previous coverage was state paid, attach a note to the application indicating the previous coverage. If your second retirement is not eligible, you must write the Division to have your retired coverage reinstated. |
If you chose to enroll in active-status State Health benefits while re-employed as a full-time employee, you must contact the Division of Pensions and Benefits to have your retired coverage reinstated upon your separation. |
Monthly Pension Benefit and Survivor Benefits |
The primary consequence of re-enrolling in PERS is the cancellation of your monthly pension benefit including any survivor benefits that may be payable at your death. |
Not applicable |
What happens to monthly pension benefits when I retire again? |
Once you retire again, the death benefits associated with your first retirement become effective. If you die during your second membership in PERS, no survivor benefits from the previous retirement or membership are payable, other than your return of your contributions not used to pay your retirement allowance. |
Not applicable |
Life Insurance |
If you are over age 60 when you re-enroll, you will be required to prove insurability through a physical examination before you will be covered by the group life insurance benefits as an active member. |
You are ineligible for employer-paid life insurance, since re-enrollment in ABP is not permitted for retirees. Retiree life insurance benefits are not affected. |
What happens to life insurance when I retire again? |
Once you retire again, your eligibility for retiree life insurance will be recalculated based on years of pension credited service and the previous 12 months salary. If you die during your second membership in PERS, your life insurance benefit is the active member policy (if you are covered under the active plan). |
Not applicable |
| Resources To Help You | |
| Benefits Specialist | 732-932-3020, ext. 4077 |
| UHR Staffing | 732-932-3020, ext. 4083 |
| UHR Temporary Employment Services | 732-932-3020, ext. 4084 |
| PERS members: http://www.state.nj.us/treasury/pensions/fact21.htm |
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- ABP retiree returning to a position eligible for any state-administered retirement system
- PERS retiree returning to a PERS-eligible position
- PERS retiree who retired from an ABP-eligible position
If you are an ABP retiree returning to a position eligible for any state-administered retirement system
Enrollment is not allowed in any retirement system, including ABP.
If you are a PERS retiree returning to a PERS-eligible position
Enrollment in PERS is required if:
- The aggregate salary from all post-retirement public employment exceeds $15,000 in a calendar year or your position is not covered by a different state-administered retirement system
Enrollment in PERS is not permitted if:
- The aggregate annual salary or salaries for the position(s) does not exceed $15,000 in a calendar year
- You position is not covered by Social Security
- You are employed with an institution of higher education in a teaching position covered by PERS, such as a part-time lecturer
- You are a seasonal or intermittent employee
If you are a PERS retiree returning to an ABP-eligible position
Enrollment in ABP or PERS is not permitted.
If you are a PERS retiree who retired from an ABP-eligible position
This applies if you chose to remain in PERS when given the option to join ABP.
Enrollment in PERS is required if:
- The aggregate salary from all post-retirement public employment exceeds $15,000 in a calendar year
- You are responsible for informing University Human Resources when your salary reaches $15,000
Enrollment in PERS or ABP is not permitted if:
- You return to an ABP-eligible position
- You return to a PERS-eligible position and your salary does not exceed $15,000 in a calendar year
- You are employed in a teaching position that is eligible for PERS, for example, a Part Time Lecturer.
