Effective January 1, 2023, retirees electing dental and/or vision coverage for the first time must enroll through Delta Dental of Kentucky. Visit for plan and enrollment information.

Effective January 1, 2023, All retirees will receive one additional month of medical coverage at active employee rates following their retirement effective date, at which point,retirees under 65 will be offered retiree medical coverage. Once the retiree turns 65, they will transition off the university’s group health plan and on to Medicare. For more information, please visit the 2023 Retirement Benefits Guide 

Pre-Retirement (Current Employees)

It is never too early to start planning for your future and your retirement. The University of Louisville retirement savings plans are available to offer you the opportunity to save for a source of income in your retirement, in addition to Social Security and other savings you may have.

403(b) Planning Option

The University of Louisville is here to help you plan for your future. The UofL 403(b) Retirement Savings Plan is a defined contribution plan (described under section 403(b) on the Internal Revenue Code (IRC)), that enables faculty and staff to save money for retirement. 

457(b) Planning Option

The university offers a 457(b) Retirement Plan as an additional tax-deferred retirement plan option for eligible employees. To enroll in this plan and make tax-deferred contributions, follow the 457(b) enrollment instructions below. If you have questions about this plan, please email  or call 502-852-6258.

View more information on our retirement saving plan options along with resources to provide guidance on what works best for you or attend retirement workshops and webinars hosted by our financial partners Fidelity and TIAA! 

Retirement Eligibility

The University of Louisville does not have a mandatory retirement age for faculty, staff, or administrators.

For eligibility and steps to planning for retirement, visit our Retirement Eligibility and Steps webpage.

Retiree Life Insurance

We are pleased to offer University of Louisville retirees additional options for life insurance coverage. At retirement, you will have a one-time option to purchase Retiree Term Life insurance in increments of $5,000, $10,000, $15,000, $20,000 and $25,000. The cost of additional coverage above $5,000 will be based on your age and the level of coverage you choose. See the 2023 Retirement Guide. for rates.

If you have questions about or need additional information concerning your premium payments, you may contact Optum at 1-855-687-2021.

Post Retirement (Retired Employees)

Even though our valued retirees may no longer work for the university, we still work closely to provide the best post-retirement experience for them. We strive to take care of our employees on campus, as well as when they part and become our extended family. 

View the 2023 Retirement Guide.

Review the Optum registration instructions for direct bill

View and complete the Optum ACH form.

Optum Financial Direct Bill Customer Service: 1-855-687-2021.

Pre 65 Retirees

Retirees under the age of 65 who want to continue coverage under the university's benefit plan as they retire from the university are able to do so. Pre-65 retirees can continue to participate in their university benefit plan until they reach the age of 65. Retirees under 65 are also eligible to participate in the Get Healthy Now program and receive discounted medical plan rates. Please visit our Retiree Medical Plan Rates webpage to view plan option and rates.

Note: After your last paycheck from the university, you will begin receiving billing statements for your premiums at the retiree health rates directly from OptumOptum will bill for health and retiree life insurance premiums. A separate billing statement will be issued by Delta Dental of Kentucky for retirees who enroll in dental and vision effective January 1, 2023, and forward. 

You will be responsible to pay these premiums to Optum going forward to maintain your benefits coverage. Failure to pay these premiums will result in loss of coverage and you will lose the ability to re-enroll during future open enrollment periods. To avoid missing payments, we recommend the auto payment (ACH) option with Optum. To set up ACH, complete the Optum ACH form or call Optum Financial Direct Bill Customer Service at 1-855-687-2021.

If you have questions about your retirement health benefits, contact .

If you have questions about your Get Healthy Now incentive, contact .

Post 65 Retirees

Retirees and spouses/QA over age 65 are Medicare eligible and must transition from the university health plan to Medicare. This transition will happen at the time of retirement if you are already age 65 or as you approach your 65th birthday. To help cover some of the costs not covered by Medicare Part B, the university provides retirees access to an AARP Medicare Part B Supplement plan. While you are responsible for paying a monthly premium for this supplement plan, the university will provide a contribution to lower the overall cost of this plan to retirees ($108.10/month for individual or $216.20/month if you have an eligible spouse/QA).

Note: If you were under the age of 65 at the time of retirement, you must contact the UofL Benefits office three months prior to your 65th birthday to begin your transition from the university health plan to Medicare and the AARP Medicare Part B Supplement Plan.

Want to understand more about the transition to Medicare? Contact Health Advocate at 866-799-2731 and they can assist you in your transition!

Social Security

For specific questions about Social Security, please contact the Louisville Social Security Administration Office at 1-866-716-9671. Additional contact information and directions on how to apply for social security benefit online may be found at You may also visit the local Social Security Administration Office at the following addresses

1. Social Security Administration Office

    601 W. Broadway Room 101

    Louisville, KY 40202


2. Social Security Administration Office

    10503 Timberwood Circle Suite 50

    Louisville, Ky 40223