Retiree Insurance Benefits Overview

When you retire, you will remain enrolled in your active Windstream Benefit Plans through the end of the month in which you retire.  We have three ways for you to enroll in retirement health benefits. You can wait on the enrollment form that will be mailed to you, print the enrollment form online, or call the Windstream Service Center at least 7 days after your retirement date.


Enrolling by Form Sent by Mail

Once you retire the retirement status will feed over to the Windstream Service Center and the status change will trigger a retiree enrollment packet to be mailed to you. Retiring at the beginning of a month will allow time to receive enrollment info and make benefit choices during the last few weeks of active coverage. If you choose to retire at the end of the month, just know that the coverage will begin first of the month following retirement date, but administratively it takes at 3-4 weeks to mail information, make choices, and mail benefit selections back to the Windstream Benefits Service Center.

Enrolling Using the Enrollment Form Online

Please read “Which Benefits can I have in retirement section” section before you complete the enrollment form posted online Just remember the following:

Your retirement benefits are determined by your current benefits as an active employee. The following plans can be carried into retirement if currently enrolled as an active employee:

  • Medical with prescription
  • Dental
  • Vision
  • Supplemental Life
  • Supplemental AD&D
  • Spouse Life
  • Child Life

Be sure to write your retirement date on the form. The date will be verified once the date entered by the HR Solution Center is sent over on the weekly file feed to The Windstream Service Center. Any plans you choose to enroll in will be verified for eligibility before you are enrolled. When you use the enrollment, form posted online and need any assistance from the Windstream Benefits Service Center you must wait seven days after your retirement date. Waiting 7 days allows the retirement status to feed over and a Benefit Counselor will be able to assist you with your eligible benefit selections. Please contact the Windstream Retiree Service Center at 1-855-846-7564 Monday through Friday 8:00 a.m. to 5:00 p.m. Central Time.

Enrolling by Phone:

When enrolling by phone you must wait seven days after your retirement date to reach out the Windstream Service Center. Waiting 7 days allows the retirement status to feed over and a Benefit Counselor will be able to assist you with your eligible benefit selections. Please contact the Windstream Retiree Service Center at 1-855-846-7564 Monday through Friday 8:00 a.m. to 5:00 p.m. Central Time.

With a simple phone call to our service center, your Benefits Counselor will:

  • Help you understand what healthcare plans are available to you.
  • Compare plans and premiums to help you understand your choices so you can determine what individual healthcare plan(s) will best fit your needs and budget.
  • Enroll you quickly and easily into the healthcare plan of your choice.
  • Mercer Marketplace 365 Benefits Counselors will provide you with year-round support and assistance regarding your coverage and provide answers to any questions you may have.

Medical Plans Overview

Windstream eligible retirees and dependents under age 65 may elect coverage from the Windstream Retiree High Deductible Health Plans. The insurance medical providers are Blue Cross Blue Shield or UMR. Please visit to find out which insurance provider is cheaper by state of residence and the rates for the plans.  The medical plan options available are the $1850 deductible plan, $2850 deductible plan, $4500 deductible plan, $6550 deductible plan. For pre- 65 eligible retiree and dependents, 2 packets will be mailed to you in separate mailings.  One packet is for retiree insurance and other packet will be for COBRA continuation coverage.  Please allow three weeks to receive the retiree enrollment packet and cobra packet. Delta Dental and VSP is our dental and vision coverage providers. The retiree Life and Accidental Death &Dismemberment coverage is offered through Standard Insurance Company.

COBRA provides certain former employees, retirees, spouses, and dependent children the right to temporary continuation of group health plan coverage at group rates. It allows you to continue your current group health plan coverage for up to18-months. Coverage may be continued longer than 18 months in certain circumstances. COBRA coverage, however, is only available when coverage is lost due to certain events. You cannot elect COBRA continuation coverage and retiree insurance coverage for the same benefits. COBRA continuation coverage allows you to continue only your medical, dental and vision insurance for a limited period of time. Retiree insurance coverage allows you to continue your medical, dental and vision insurance as long as you continue to pay for coverage. If you are interested in maintaining your medical, dental, or vision coverage for longer than 18 months, you may want to consider electing retiree insurance coverage for those benefits (although there are not any guarantees of its continuation into the future).

At age 65 or older, you will have the option to select individual medical insurance coverage through Mercer Marketplace 365. Mercer Marketplace 365 is not an insurance company; they provide an “insurance exchange” that allows individuals to choose coverage that best meets their needs and budget from leading health insurance carriers. Mercer Marketplace 365 will mail you a welcome kit when your date of retirement is communicated by Windstream to Mercer Marketplace 365.  The welcome kit provides detail about your new health care options, instructions on how to setup a consultation, and explains how your Mercer Marketplace 365 Benefits Counselor will assist you with your enrollment.   For retiree and/ or dependents over 65, you may receive up to 3 packets. One packet is your welcome kit from Mercer Marketplace 365 for your over 65 coverage, one packet will be for your dental, vision or life insurance benefits if you were enrolled in those benefits at the time of retirement, and a cobra continuation packet. In order to elect individual coverage through Mercer Marketplace 365, you or your dependent age 65+ must be enrolled in Medicare Parts A and B. 

Here are few ways to research and reach out to the Social Security Administration:

  • To enroll in Medicare coverage, visit on the web, or call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778.
  • To learn more about Medicare, visit on the web, or call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
  • You may also go to your local Social Security Administration and talk to someone in person.