Medical | Dental | Short-term Disability | Long-term Disability |
Cancer & Intensive Care | Long-term Care | Flexible Spending Account | Term Life
Medical
Full-time employees may elect group medical insurance through BlueCross BlueShield of Florida. Choose from the Health Maintenance Organization (HMO) plan or the Preferred Provider Organization (PPO/Indemnity) plan. All employees covered under BCBS have access to the Member Services program where employees can review and request information such as checking the status of a claim and viewing the Provider Directory. Medical insurance is effective the first of the following month from hire date. For calendar year 2009, the employee's monthly cost for coverage is:
|
Group
|
HMO Plan |
PPO Plan |
| Employee |
$ 0 |
$ 65 |
| Employee + Spouse |
$406 |
$502 |
| Employee + Child(ren) |
$259 |
$367 |
| Employee + Spouse + Child(ren) |
$562 |
$741 |
- BCBS - Vision Care Discount Program
Members of BlueCross BlueShield Health Options receive discounts on eye exams, frames and lenses through the Vision One program offered by EyeMed Vision Care. Contact the toll-free number at (800) 793-8622.
Dental
Full-time employees may elect group dental insurance through Aetna Healthcare. Choose from the Dental Maintenance Organization (DMO) plan or Preferred Provider Organization (PPO) plan. The employee contribution is the same for both plans. Dental insurance is effective the first month following the hire date. For calendar year 2009, the employee's monthly cost for coverage is:
| Group |
DMO Plan |
PPO Plan |
| Employee |
$23.54 |
$23.54 |
| Employee + Family |
$70.92 |
$70.92 |
Short-term Disability
New full-time employees may elect short-term disability through American United Life The cost is $.33 per hundred dollars of the employee’s monthly salary. Forms are available in the Office of Human Resources.
Long-term Disability
The college offers long-term disability insurance for all full-time employees at no cost. The policy pays 67% of the employee's monthly salary and benefits begin on the 91st day after a continuous period of disability, although disability payment is generally not received for at least an additional 30 to 45 days. The long term disability policy includes a retirement plan supplemental benefit. If an employee is disabled for a period of 12 months, 10% of his/her disabled monthly earnings are placed in a retirement savings program. This benefit is paid in addition to the normal disability benefit.
Cancer & Intensive Care
Full-time employees may elect Cancer and Intensive Care benefits through American Heritage. There are other diseases covered under the cancer insurance such as sickle-cell anemia and rabies. Contact Custom Benefits Service at (800) 809-8161 for more information.
AFLAC Coverage for Heart-Related Illness
AFLAC offers a voluntary benefit which covers heart related illness beginning with the first occurrence. This coverage includes hospital confinement, continuous care and other related issues. AFLAC offers two plans which are independent of one another, Specified Health Event Protection and Hospital Intensive Care Protection. Both plans are four tier which provide coverage for employee only; employee + child; employee + spouse and employee + family. Premiums are deducted semi-monthly on a pre-tax basis. The plans are portable with no increase in premium. For more information, please contact Patti Leonaggeo at 561-434-4558 or e-mail pleonaggeo@bellsouth.net
Long-term Care
Full-time employees may elect long-term care insurance through the four companies recommended by the college's Insurance Advisory Committee. Employees interested may contact the company representatives directly for specific information regarding coverage and premiums:
| Company |
Representative |
Number |
| Copeland/Travelers |
Ken Suchy |
(561) 746-6652 |
| John Hancock |
Ellen Gallagher |
(561) 840-8440 |
Flexible Spending Account
Employees may elect to use pre-tax salary for a Flexible Spending Account. The two account options include health care reimbursement or dependent daycare reimbursement through payroll deductions. Reimbursement is available as soon as enough funds have accumulated to cover the expenses. Funds in these accounts must be used by December 31st. Any funds not spent by the end of the year, will not be returned. Complete and submit the online Reimbursement Claim Form to Custom Benefits, Inc for processing no later than April 30th of the following year. Any contributions not claimed by the April 30th deadline will be forfeited. Information regarding the accounts include:
- A health care reimbursement account covers expenses such as health and dental deductibles, prescription drugs, co-payments, approved over the counter drugs, and eyeglasses.
- A dependent care reimbursement account covers expenses for those who need to provide daycare for dependent children.
Term Life
The college offers term life insurance including accidental death/dismemberment policy for all full-time employees at no cost. The policy is based upon 1 x base salary with a minimum of $20,000 and a maximum of $50,000 coverage through the Standard Insurance Company. Age reductions in the amount of insurance are determined by policy guidelines beginning with the sixty-fifth birthday.
Full-time employees may elect additional term life insurance. Contact the Office of Human Resources to schedule an appointment at (561) 868-3153.
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