September 1, 2010

HRB 18 - Update: Early Retiree Reinsurance Program

Released September 1, 2010I Download as a PDF

September 1, 2010 --  The Early Retiree Reinsurance Program (ERRP), established as part of the PPACA, is a program designed to encourage employers to establish or maintain retiree health coverage for their retirees, aged 55 to Medicare entitlement.  The ERRP will pay the equivalent of up to 80% of an early retiree’s claim between $15,000 and $90,000.  To be eligible for the program, an application must be filed with HHS; the application process opened on June 29, 2010. 

For background information relating to ERRP, please refer to the prior CBIZ Health Reform Bulletins:

New ERRP Website and Hotline

HHS has recently unveiled a new secured website ( for submitting and monitoring the status of ERRP applications.  Employers and plan sponsors who have submitted their ERRP application can use the secure website to view and change application information; submit their retiree list, costs, and claims; and request payment for a portion of the costs of health benefits for early retirees and their dependents.

In addition, plan sponsors and employers can contact HHS with questions about the ERRP by way of a new hotline number: 877-574-3777 or 877-574-ERRP.

List of ERRP Participating Employers

Also available from the website is a list employers and unions participating in the ERRP, by geographic location, and by alphabetical list.


About the Author:  Karen R. McLeese is Vice President of Employee Benefit Regulatory Affairs for CBIZ Benefits & Insurance Services, Inc., a division of CBIZ, Inc.  She serves as in-house counsel, with particular emphasis on monitoring and interpreting state and federal employee benefits law.  Ms. McLeese is based in the CBIZ Leawood, Kansas office.


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