Health and Wellness
沙巴体育滚球See below for an overview of Fisher's comprehensive employee benefits package, as well as eligibility guidelines for employees and families.
You may choose one of the following three plan options or you may decline health coverage:
- Excellus BlueEPO (EPO J)
- Excellus Simply Blue Hybrid
- Excellus BluePPO (HDHP)
Plan and Rate Options
Not Enrolling in Health Coverage
沙巴体育滚球Employees who can attest to having other group health insurance may elect to opt out of St. John Fisher College's health coverage. Employees who choose this option will receive a credit of $1,700 annually. The amount of $70.83 will be credited to 24 paychecks as taxable income over the plan year. You will need to waive health coverage and attest to having other coverage in the benefits enrollment system every year in order to receive the $1,700 annual opt-out.
You may choose one of the following two plan options or you may decline dental coverage:
- Excellus Dental Blue - Low Option
- Excellus Dental Blue - High Option
Plan and Rate Options
沙巴体育滚球You may choose the following vision plan or you may decline vision coverage:
- VSP Vision
Plan and Rate Options
Health Savings Account
沙巴体育滚球A Health Savings Account (HSA) provides a way for you to designate pre-tax dollars to pay for certain medical expenses. You must be enrolled in BluePPO (HDHP) to be eligible for the HSA.
沙巴体育滚球Eligible employees who elect employee only BluePPO (HDHP) coverage will receive an annual College contribution of $500; employees who elect employee/child(ren) or family coverage will receive an annual College contribution of $1,000. In 2020, employees may contribute additional pre-tax monies up to $3,050 for single coverage ($3,550 total) and $6,100 for employee/child(ren), or family coverage ($7,100 total). Employees age 55 and over also may contribute up to an additional $1,000 as a catch-up contribution. If you select the Simply Blue Hybrid or BlueEPO (EPO J) plans, or if you waive medical coverage, you are not eligible for this benefit.
If you are age 65 or older and enrolled in any part of Medicare - including Part A - you cannot contribute to an HSA. Learn more about How Medicare Enrollment Impacts Your HSA [pdf].
To begin or change your HSA contributions, use the enrollment system (click on "Benefits Enrollment" from your Launchpad in my.bennygallagher.com, then click the "Change your HSA election here!" button). You can start, stop or change your HSA contribution at any time throughout the year.
Health Flexible Spending Account (FSA)
沙巴体育滚球A health Flexible Spending Account (FSA) provides a way for you to designate pre-tax dollars to pay for certain medical expenses. If you enroll in the BluePPO (HDHP), you are not eligible for the Health FSA. Domestic Partners are not eligible for this benefit.
The limit on the annual amount of reduction permitted for medical expense reimbursement cannot exceed the lesser of your earned income or $2,750 per household in 2020. Any claim submitted for an eligible medical expense cannot exceed the amount allocated for the plan year.
Dependent Care Flexible Spending Account (FSA)
The dependent care FSA allows you to pay for dependent day care expenses for children under the age of 13 or older dependents who are physically and/or mentally incapable of self-care.
The limit on the annual amount of reduction permitted for dependent day care expenses cannot be more than $5,000 ($2,500 if married filing separately) per household. Any claim submitted for an eligible dependent care expense cannot exceed the total amount currently available in your account at the time the claim is filed. Domestic Partners are not eligible for this benefit.
The dependent care FSA is separate from the health FSA.
Basic Life Insurance
沙巴体育滚球The College provides one times base salary of term life insurance to all eligible employees, up to a maximum of $160,000.
沙巴体育滚球You do not need to elect this coverage and employees do not contribute to the cost.
Supplemental Life Insurance
沙巴体育滚球You may elect to purchase supplemental life insurance in increments of 1, 2, or 3 times your base annual salary, to a maximum of $300,000. The total Basic and Supplemental Life Insurance benefit cannot exceed $460,000. Life Insurance amounts are reduced at age 70.
沙巴体育滚球If you are increasing your coverage or electing coverage for the first time after your initial New Hire eligibility, you will need to submit Evidence of Insurability (EOI).
You will be able to access the Evidence of Insurability form in the enrollment system. Your new coverage amount will not go into effect until approved by the carrier.
If you elect supplemental life insurance for yourself, you will be eligible to pick up life insurance for a spouse/dependent.
Spouse and Dependent Life Insurance
If you elect supplemental life insurance for yourself, you will be eligible to elect life insurance for a spouse/dependent. If you elect coverage, eligible children are automatically covered up to age 21, or to age 25 for full-time students. Domestic partners are not eligible for this benefit.
You may elect one of two levels of coverage:
- $2,000 dependent/$4,000 spouse
- $4,000 dependent/$10,000 spouse
Basic Accidental Death and Dismemberment (AD&D) Insurance
Accidental Death and Dismemberment Insurance (AD&D) pays your beneficiary a death benefit if you die due to a covered accident while you are insured. It also pays you a benefit for certain accidental injuries. AD&D covers losses that occur away from work or at work.
You do not need to elect this coverage and employees do not contribute to the cost.
Supplemental AD&D Insurance
沙巴体育滚球Supplemental AD&D can be purchased in $10,000 increments on an after-tax basis. You may elect to purchase up to a maximum of 10 times your annual compensation to a maximum of $500,000 in benefit coverage. The amount reduces at age 70. Employees may purchase the insurance for themselves and their family members.
You may not cover your dependent if they dependent is covered as an employee under the policy. No person can be insured as a dependent of more than one employee under the policy. Your benefit will reduce on the January 1 after you turn age 70. Domestic partners are not eligible for this benefit.
This notice is provided for information purposes only for eligible faculty and staff, and does not constitute a legal contract. St. John Fisher College reserves the right to amend or terminate any of the plans or programs described in this notice at any time. Further, there may be certain coverage limitations or features based on carrier contract and/or College policy. In cases where discrepancies occur, the Plan Document or other relevant plan materials will be the ruling and binding instrument.