Already retired: the things still worth checking.

The Health Insurance Subsidy is not automatic. It requires an application and proof of qualifying coverage, and the application is due within six months of your retirement date.

If you retired recently and have never seen a subsidy in your deposit, check. If you retired some time ago and never applied, it is still worth a call to the Division of Retirement to find out where you stand.

Currently $7.50 a month per year of creditable service, minimum $45, maximum $225. See Health Insurance Subsidy.

If you continued coverage through the State Group Insurance Program, the enrollment form contains a sentence worth re-reading: you may cancel at any time, but you will not be allowed to rejoin later as a retiree. Not at open enrollment, not after a qualifying event.

And if you are approaching 65 on retiree coverage or COBRA, that coverage does not let you delay Medicare Part B without penalty, and the penalty is permanent. See Medicare.

For the first six calendar months after your retirement effective date you cannot be employed by, or provide services to, any FRS employer, in any capacity. No unpaid exception, no contractor exception. Violation may void your retirement.

After six calendar months the restriction ends.

3% multiplied by the share of your service earned before July 1, 2011. If you are an eligible Special Risk retiree, Chapter 2026-235 sets a minimum of 1.5% once you have been retired five years. Check whether you qualify and when your anniversary falls. See Pension Plan.

A DROP accumulation rolled over years ago may still be allocated for a working life. Beneficiary designations go stale after a marriage, a divorce, or a death.

None of that is urgent. All of it is worth an hour.