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Benefits that last a lifetime
Memphis Light, Gas and Water Division recognizes how important benefits are to you as a Retiree. That’s why we’re committed to helping you enjoy the best possible physical, financial, and emotional well-being. It’s also why we provide you with a comprehensive, highly competitive benefits package, with the flexibility to make choices that best meet your needs. Staying healthy is important at any age, and as a retiree you may have more time to devote to maintaining your health. Here is a quick checklist to help you stay healthy and fit.
  • Don’t forget to schedule your well visits and recommended screenings
  • Stay active and exercise
  • Eat a heart healthy diet
  • Make sure you take care of your eyes and have regular exams
  • Get your hearing checked if it’s not loud and clear.
  • Ensure that your medications are organized and safe
  • Get enough rest

Have a medical question? Talk with a pharmacist.
Taking your medication regularly is important to your overall health. If you have a medication question or need help keeping up with your medication routine, licensed, specially trained pharmacists from Express Scripts® are here to help. They’re available through your pharmacy plan – at no extra cost.
  • Get tips to help you remember to take your medication
  • See how you can make refills easier
  • Learn ways to save money on your medication
  • Better understand how your medication works
  • Learn how to work through side effects
Prescription Contact Information
Reminders Image
  • If you need a CIGNA Provider Directory call CIGNA Customer Service at 800-244-6224 or click here.
  • During the annual enrollment period, nothing is required if you wish to retain your current benefit elections
  • IMPORTANT!! If Medical or Dental coverage is ever dropped, you cannot pick it back up at a later date.
  • Benefit changes made during the annual enrollment period will take effect January 1 of the new plan year.
  • After your enrollment opportunity ends, you will not be able to make changes to your benefits until the next Open Enrollment, unless you experience a qualifying life event, such as marriage, divorce, birth, adoption, or a change in your or your spouse's employment status.
  • CIGNA Annual Enrollment Questions: 800-564-7642
Important Insurance Links
Retirees and their spouses who are approaching 65 years of age must apply for Medicare Part A & B benefits. A copy of the Medicare card must be forwarded to the Insurance Department within 30 days after your birth date. However, not all retirees will be eligible for Medicare benefits, in which case the Social Security Administration will issue a letter stating that benefits are denied due to a shortage of quarters. A copy of your denial letter should then be forwarded to the Insurance Department as proof that you did apply for Medicare.

For retirees with MLGW (OAP) Group health coverage who are eligible for Medicare at age 65 or eligible at a younger age due to a qualifying disability, they…
  • should contact the Social Security Administration three (3) months before turning 65 or three (3) months after turning 65 to sign up for Medicare Parts A and B.
  • should not sign up for Medicare Prescription Drug Coverage (Part D).
  • should know that if you’re eligible for Medicare and do not enroll, your MLGW (OAP) Group Health plan will pay benefits as if you were enrolled.
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Feature One
With behavioral/mental health virtual care, you get the care and attention you’d expect from an in-office visit, wherever and whenever is most convenient for you. Here’s how it works.

› Talk privately with a licensed counselor or psychiatrist via video or phone.*

› Have a prescription sent directly to your local pharmacy, if appropriate. You can also receive care through Cigna’s network

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Feature Two
Regular exercise can help combat depression, anxiety and everyday stress. It doesn’t have to be something strenuous like sweating it out in a 60-minute aerobics class. Any form of activity can give you a boost – think washing the car or walking the dog. Here are some ways exercise can help your mental health and well-being. Release feel-good endorphins Working out can trigger a positive feeling in the body, also called a runner’s high. And you don’t have to be a runner to experience it.

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Feature Three
Laughing it up with friends or watching a funny video clip is more than just entertaining. A good laugh can improve your outlook and help your health, too. Evidence suggests that laughter may have a positive effect on your mental and physical health.1 Here are some ways laughter can help Boost your mood. A well-timed dose of humor can lift your spirits when you’re feeling down. Although it’s not a quick fix, laughter may also help lessen the symptoms of depression and anxiety.

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220 South Main St.
Memphis, TN 38103

More Contact Info

Pension Department
P.O. Box 430
Memphis, TN 38101


Office Hours: 8:00 AM-4:30 PM, M-F
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