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Page 53 of 150 <br /> <br />Coverage and level of benefits provided to retirees under age 65 and their dependents must be identical <br />to that provided for active employees and their dependents. <br /> <br />Retiree’s age 65 and over may stay in the group indefinitely, but premium rates do not have to be <br />pooled with the active employee rates and retiree coverage does not have to be identical to active <br />coverage. The retiree must pay the entire premium. <br /> <br />Spouse and/or dependent coverage can be continued after retirement only if the employee carried <br />dependent coverage prior to retirement. Employees are not required to continue spouse and/or <br />dependent coverage after retirement. <br />112