Waiver of Participation

Employees must participate in the HCSP as adopted by their bargaining unit or employer. However, you may opt out of the plan if you qualify under one of these circumstances, provide appropriate documentation, and are pre-approved by MSRS (see  "To opt out of the HCSP" below).

  Qualifying Circumstances   Notes
You or your spouse is eligible for TRICARE retiree benefits Must be retired military (20 years of service) at time you apply for waiver and therefore, eligible for TRICARE retiree benefits now or in the future.
Service-connected disability Must be priority group 1, 2, or 3
Foreign national Must plan to return to your county of origin after you leave MN public employment
Eligible for comprehensive, lifetime health insurance
  • Includes Native Americans eligible for tribal insurance
  • Medicare does NOT qualify  

To qualify, the insurance coverage must be:

  1. provided until death;
  2. 70% paid for by the employer; and
  3. provided by a source other than the employer who sponsored the HCSP (coverage can be provided by a former employer or spouse's employer).


Before you waive coverage
It is important that you understand the benefit of having an HCSP account to help you pay for rising health care costs, not just in retirement, but anytime after you leave Minnesota public employement.

Waiving  participation is irrevocable. You will not have another opportunity to participate in the HCSP, even if you change jobs and are employed by another Minnesota public employer.

To learn more, see Considering opting out of the HCSP

To opt out of the HCSP 
The request to  opt out of the HCSP should be made before your first contribution to the plan. However, you may opt out any time during employment, but before retirement.

  1. Contact the MSRS Service Center at 1-800-657-5757 to request the appropriate waiver form.

  2. Send your completed waiver form and supporting documentation to MSRS (see form for instructions).

  3. If you eligible to waive participation, MSRS will send confirmation to you and your employer.

MSRS cannot refund or reverse contributions applied to your account prior to the approval of the waiver.
Contributions made to the HCSP prior to the approval of the waiver will remain in your account. The funds can be accessed for reimbursement of eligible out-of-pocket medical expenses incurred after you leave employment. If you believe contributions were remitted by the employer in error, please contact your human resource/benefits department.