When a retiree, employee or your own Human Resources team needs information and guidance, it’s critical to have the facts at hand. Click on the sections below and you will find the rules and terms for our retiree plans, important documents and required forms, answers to common questions, and more.


The Supplemental Healthcare Adventist Retirement Plan (SHARP) gives qualifying retirees assistance toward paying for healthcare insurance premiums and other healthcare costs. A key benefit, for a qualifying retiree, is that the Adventist Retirement Plans will fund a Health Reimbursement Account (HRA). The Medicare eligible retiree and spouse will access Medicare supplemental plans through the Aon Retiree Health Exchange. The HRA is managed through Aon Retiree Health Exchange. 

Here are some important points about the plan:

  • To participate:
    • You must be a retiree taking part in either the NAD Defined Benefit or Defined Contribution Plan.
    • You must have a minimum of 15 years of Service Credit to qualify for SHARP.
    • You must be enrolled in Medicare Part A and Part B. 
  • SHARP provides the option for you to enroll in a Dental, Vision & Hearing (DVH Option) benefit.
  • Retirement Information – 2018 download
  • Retirement Information – 2017 download

Need more information or assistance?  These resources can help:

  • Standard SHARP – age 65 plus

    Pre-Medicare SHARP – less than age 65

    • SHARP Pre-Medicare/Non-Medicare Document – 2017 download
    • SHARP Pre-Medicare/Non-Medicare Enrollment Form – 2018 download
    • Pre-Medicare/Non-Medicare Summary of Benefits download
    • HealthSCOPE Pre-Medicare Claim Form  download
    • HIPAA Release Form download
    • Notice of Privacy Practices download

    Standard SHARP – less than age 65 with Medicare as primary coverage

    • SHARP Disability Document – 2017 download
    • SHARP Disability Enrollment Form – 2018 download
    • Summary of Benefit and Coverage (SBC) Base Option – 2018 download
    • If retirees have questions regarding SHARP eligibility, they can contact us at sharp@nadadventist.org or by phone at 443-391-7338.
    • HIPAA Release Form download
    • Notice of Privacy Practices download


  • Enrolling in Medicare download
  • For a description of their Medicare benefits, retirees can visit medicare.gov.