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Monthly Medical Allowance (MMA)

Retirees with ten (10) or more years of creditable ACERA service and service-connected disability Retirees in an ACERA-sponsored health plan received a Monthly Medical Allowance (MMA) towards Retiree  health premium payments to offset the cost.

There is no ACERA MMA coverage contribution for dependent health, dental, or vision care coverage, for Retirees with less than ten (10) years of service, or for spouses/domestic partners, former spouses/domestic partners, and other beneficiaries.  The Retiree is responsible for 100% of these premium costs, which are deducted from the monthly retirement allowance, determined by the individual plans and the number of enrolled dependents, and subject to premium increases.

The Board of Retirement determines the MMA annually.  Existing policy provides that the maximum amount is limited to a Retiree's single-party premium or highest allowable benefit under the MMA, whichever is lower.  Plan premium costs exceeding the MMA contribution are deducted from the Retiree monthly retirement allowance.  Premium costs for enrolled dependents are also deducted from the monthly retirement allowance.  The MMA amount received by a Retiree is based on years of service with ACERA at retirement.  See the chart below.

If you live within an ACERA-sponsored health plan service area and choose coverage from a non-ACERA-sponsored health plan provider, you are ineligible for the MMA contribution.  ACERA cannot deduct the premium nor make payments towards any insurance other than plans that contract with ACERA to provide insurance for Retirees.