Employee Benefits
Overview
Benefits of
working full
time at EPCC
•
•
Vacation
–
8 to 13.3 hours per month for Classified Staff based on years of service
–
13.33 hours per month for Admin/Professional Staff
Sick Leave
–
•
12 days per year maximum 120 days
Personal Leave
–
2 days per fiscal year
•
Holidays - usually 22
•
Staff Scholarship Program
–
9 credit hours per semester per person
_
Employee and eligible dependents
Leaves
• The Family and Medical Leave Act of 1993
– Employers covered by the law must provide eligible employees up to 12
weeks of leave entitlement per year
– Eligibility: 12 months/1250 hours
– Qualifying Event
• Military Training or Duty
• Bereavement Leave
• Jury Duty
– up to 3 days
Your EPCC benefits
•
•
•
•
•
•
Health Insurance
Dental – DMO or Dental Choice
Life Insurance 1, 2, 3, 4 x salary
Short Term Disability
Long Term Disability
Voluntary accidental death &
dismemberment (AD&D)
• Discount Purchase Program
Insurance Benefits
• Administered through Employee
Retirement System (ERS) for the State
of Texas
• Web-site: www.ers.state.tx.us.
Health Insurance
for you
and your dependents
Full Time:
Part Time:
State pays
• 100% of employees’
premium cost
• 50% of their
dependents’ premium
costs
• College contributes to
LTD and Dental
• Employee pays smoker
premium
State pays
• 50% of employees’
premium cost
• 25% of dependents
premium costs
• College contributes to
LTD and Dental
• Employee pays smoker
premium
Coverage changes
• Times to make changes in coverage
– Summer enrollment
– Qualifying life event
• marriage
• divorce
• birth of a child, etc.
• complete a change request within 30 days
of a life event or go to www.ers.state.tx.us
Select a Primary
Care Physician
• When you enroll, you must select
a (PCP) primary care physician for
you and your dependents
• Each family member may select
their own PCP
• Change your PCP at any time
• Be sure to tell United Health Care
when a family member moves out of
state
Coverage options
• PCP directed health
care (network)
• $25 co-pay PCP office visit
• $40 co-pay Specialist
(need referrals to most
specialists)
• 20% co-insurance up to
2,000 out of pocket
• No calendar year
deductible
• $150 co-pay for ER plus
20%
• $150/day co-pay plus 20%
for hospital stay (max.
$750 per stay on co-pay)
• Self directed health
care (non-network)
• $500 deductible
• 40% coinsurance up to
$7000 out of pocket
• You may pay balance
above the allowable
amount
• 40% Emergency Room
• $150/day co-pay + 40%
for hospital stay (max.
$750)
Prescription Drug Program
$50 plan year
deductible to
each covered
person
Retail 30 day
supply
Retail
maintenance 30
day supply
Mail order or
EDS Pharmacy
Network 90 day
supply
Tier 1
$15
$20
$45
Tier 2
$35
$45
$105
Tier 3
$60
$75
$180
For Your First Mail Order - Rx
Begin the mail order process:
– Complete mail order form that is available at
www.ers.state.tx.us
– Send co-payment (check, credit card,
TexFlex)
– Send prescriptions
– Allow 10-14 days for initial order
1ST Dental Option
• Dental (HMO) Health Maintenance
Organization
• Call Humana to select your dentist at
(877) 377-0987
2ND Dental Option
– Dental Choice Plan
• Use any dentist of your choice in the United
States and Canada
• Benefits increase by using a preferred
provider network dentist
Optional Term Life,
AD&D
and Dependent Life
• May have life insurance equal to 1, 2, 3,
or 4 times your annual salary
• Accidental Death and Dismemberment voluntary coverage for you and family
• Dependent Term Life $5,000 coverage
Short Term & Long
Term Disability
• Pre-existing conditions DO apply
• Can provide income if illness or disability
prevents you from working
Life Insurance
Beneficiary Designation:
Go to www.ers.state.tx.us
1-877-275-4377
TexFlex Program
• A tax free program
• Health Care Reimbursement Account
(HCRA) - pays for eligible medical
expenses before taxes
• Day Care Reimbursement Account
(DCRA) - pays for eligible day care
expenses before taxes
TexFlex HCRA and DCRA
• Minimum contribution - $15 per month
• Maximum household contribution $416 per month
• Eligible expenses may include your
dependents by IRS standards.
• Select deductions on number of annual
paychecks 9 or 12
TexFlex
How does it work?
• You may enroll in one or both reimbursement
accounts
• Money is deducted from salary before taxes
• Incur eligible expenses and request
reimbursement from your Flex account(s) or
• Request Flex Convenience Card - $15 annual
fee – works like a debit card – valid for three
years
• Annual administrative fee of $12 for each
account
• TexFlex is a use it or lose it plan
• Full time employees must contribute to
a retirement plan
• Teacher Retirement System (TRS) or
Optional Retirement Program (ORP)
• No loan provision
• Part time non-benefits eligible
employees contribute to either Social
Security or FICA Alternative Plan
(PERC)
* Purchase of Special
Service Credit
•
See TRS (Teacher Retirement System) Benefits Handbook for full
details and limitations.
•
As a new employee, you may purchase up to five years of active
duty US military service and establish additional service credit after
five years of participation in TRS.
•
Other than military service, you may purchase service credit for outof-state service and withdrawn service, etc. Refer to TRS Benefits
Handbook.
* TRS participants only
Tax Sheltered Annuity (TSA)
•
•
•
•
TSA – 403B Plan
Before tax contributions
You may make a loan against it
May withdraw your funds, at age 591/2, even if still employed
• See list of authorized vendors under
the benefits section at www.epcc.edu
Always feel free to contact the Benefits
Office if you have any questions about
your retirement or benefits
831-6315 or 831-6380
or lalvar89@epcc.edu