Retiree Information and Links

From HealthTrust (for Retirees 65 and under)


Retirees Open Enrollment Notice

January 2020 Retiree Open Enrollment Notice

NH Retirement System (NHRS)

New Hampshire Retirement System (NHRS)

54 Regional DriveConcord, New Hampshire 03301

Phone:  603-410-3500  /  877-600-0158

Fax 603-410-3501    


Hours: M-F, 8am-4pm



For NHRS purposes – employees are classified into two groups: all regular employees are classified as Group I, and Police and Firefighters are classified as Group II.  This is important to know because Group I retirees are not entitled to any medical subsidy from 2011 going forward but Group II retirees still are.  

  • Group I – Group I retirees are no longer entitled to any medical subsidy from 2011 going forward.  The employee/retiree in this category is responsible for the entire premium.
  • Group II – Group II retirees are still eligible for medical subsidy.  The medical subsidy is an amount that NHRS contributes towards the retiree’s health insurance (currently $375.56 for anyone under 65 and $236.84 for over 65 – these amounts are doubled for a 2-person plan).  Group II employees having medical deduction from his/her retirement check, must complete the NHRS Retirement Annuity Deduction Authorization form, which will be forwarded to NHRS

2020 and 2021 Filing Requirements

2020-Filing requirements

2021-Filing requirements


Group I - Employee and Teacher Application Packet

Group II - Police and Fire Application Packet


Retirees Under 65

Under 65 Plan Information - Any employee retiring prior to age 65 must remain on the Town’s regular health insurance but the insurance company (currently HealthTrust - Anthem) must be advised of the change from regular employee to retiree with a new Application Form.  The Town of Milford's approved health plan for retirees under 65 is HealthTrust.  Plan information is available on the Benefit Information - Health & Dental tab.


Retirees 65 and Over

Over 65 Plan Information - Any employee retiring over the age of 65 must be enrolled in Medicare Parts A & B to be eligible to enroll in the Town’s Medicare Supplement plan (currently Colonial Penn) and the prescription plan (currently Humana) both of which are obtained through our agent (currently Gary Daniels of Banker’s Life – office – 603.224.5384).  The Town of Milford's approved health plan for retirees over 65 are Colonial Penn (Health) and Humana (Prescription)


NHRS Forms (NHRS  Retiree forms -

The forms listed below must be completed and submitted to NHRS to apply for retirement. All required forms/copies must be submitted at least 30, but not more than 90 days prior to the effective date of retirement, which is always the first of the month.

Individual Forms (within packets)

Retirement Checklist

Application for Service/Vested Deferred Retirement Group 1 (Employee and Teacher)

Application for Service/Vested Deferred Retirement Group II (Police and Fire)

Mandatory Acknowledgement/Certification

Form W-9

Form W-4P

Electronic Direct Deposit (EDD)


Other Information

Service Retirement Booklet

Subscribe to email

Ready When You Are Flyer

Do you want to work after retirement?

NHRS Frequently Asked Questions:  Part-time Employment of NHRS Retirees

Important Notice to NHRS Members and Retirees


NHRS Videos

These educational presentations have been prepared by New Hampshire Retirement System staff for members, retirees, employers and interested members of the general public.


Learning About Your NHRS Retirement Plan

Published on Oct 10, 2016  (15:30)

'NHRS 101' Presentation

Published on Jan 29, 2020

Group I (Employee and Teacher) Members Vested Prior to January 1, 2012 - Summary Presentation

Published on April 24, 2019 (15.04)

Group I Members in Service Prior to 7/1/2011, Not Vested Prior to 1/1/2012 - Summary Presentation

Published on April 24, 2019 (14.14)

Group I (Employee and Teacher) Members Hired on or After July 1, 2011

Published on April 24, 2019 (11.58)

Group II (Police and Fire) Members Vested Prior to January 1, 2012 - Summary Presentation
Published on April 24, 2019 (13.48)

Filing for NHRS Retirement

Published on Mar 6, 2015  (3:07)


More videos here

Town Approved Plans for Retirees Over 65


Humana - Prescription

Colonial Penn - Medical


To sign up for either the Colonial Penn and/or Humana plans please contact:

Gary Daniels, Insurance Agent

Bankers Life

6 Loudon Rd, Suite 302

Concord, NH  03301

Cell#:     (603)-860-4482

Direct#:  (603)-230-3293

Fax#:     (603)-225-2570


You may also utilize your own broker if you have one.  The plans you enroll in must be Humana or Colonial Penn 

... What to know before you enroll  ~ Enrollment and eligibility ~ When to enroll ~ How to enroll ... Medicare FAQ

Medicare Booklets and Information


2020 Medicare and You Handbook

2020 Medicare Costs at a Glance


Links to Social Security Resources


FAQ's - coming soon...

  1. My spouse has passed.  What do I need to do?
  2. When should I sign up for Medicare A?  When should I sign up for Medicare B?  Most people should enroll in Medicare Part A (Hospital Insurance) when they're first eligible...
  3. What about prescription coverage?  How to get prescription drug coverage...
  4. What If I am still working, do I need to sign up for Medicare?  Medicare at 65 if I 'm still working....