Benefits |
Full-Time Employees
(Employees who work > 1560 hours per year) |
Retirement (TIAA-CREF)
Voluntary |
Employee
contributes |
College
contributes |
2.5% |
3.0% |
5.0% |
6.0% |
7.5% |
9.0% |
Eligible to participate immediately upon commencing employment or upon attainment of age 21, whichever occurs later. Employee Contribution is tax deferred. Nine allocation options, determined by employee, are offered.
Other Information:
Part-time and Limited-hour employees eligible if working at least 1,000 hours per year.
|
Health & Medical Insurance
PPO (Preferred Provider Organization)
$15.00 doctor visit co-pay for in-network coverage. |
PPO Base Plan - In Network
Deductible: $500 (individual) $1000 (2+ participants)
Coinsurance: 90% with an out-of-pocket maximum of $1000 (individual and $2000 (2+ participants); then 100%
PPO Base Plan - Out-of-Network
Deductible: $1000 (individual) $2000 (2+ participants)
Coinsurance: 70% with an out-of-pocket maximum of $2000 (individual and $4000 (2+ participants); then 100%
PPO Base Plan -
Employee Cost Share (% of base wage or salary)
|
2005-06 |
2006-07 |
2007-08 |
| Employee |
0.00% |
0.00% |
0.00% |
| Employee & child(ren) |
1.25% |
1.25% |
1.30% |
| Employee & spouse |
1.50% |
1.50% |
1.50% |
| Family |
2.25% |
2.25% |
2.25% |
| Family (2 spouses, each pay 1/2) |
1.25% |
1.25% |
1.30% |
PPO Buy-Up Plan - In Network
Deductible: $500 (individual) $1000 (2+ participants)
Coinsurance: covered at 100%
PPO Buy-Up Plan - Out-of-Network
Deductible: $1000 (individual) $2000 (2+ participants)
Coinsurance: 80% with out-of-pocket maximum of $3000 (individual) and $6000 (2+ participants); then 100%
PPO Buy-Up Plan -
Employee Cost Share (% of base wage or salary)
| |
2005-06 |
2006-07 |
2007-08 |
| Employee |
0.50% |
0.50% |
0.60% |
| Employee & child(ren) |
1.90% |
1.90% |
2.10% |
| Employee & spouse |
2.30% |
2.50% |
2.70% |
| Family |
3.30% |
3.50% |
3.80% |
| Family (2 spouses, each pay 1/2) |
1.90% |
1.90% |
2.10% |
|
Prescription Drug Plan - Medco Health
|
$100 retail deductible - subscriber will pay $100 deductible per person at the pharmacy before the copayment begins. The deductible is based on the calendar year.
$15 generic/$35 brand, retail copayment - the amount subscriber will pay at the pharmacy per prescription after the $100 deductible is met. This is for up to a 31 day supply of medication. Mandatory generic.
$30 generic/$70 brand mail order copayment - covers a 90-day supply of medication. There is no deductible. |
Waiver of Health Insurance
Messiah College will pay a waiver bonus, in lieu of college health insurance coverage, of up to $1,000 (pro-rated) to eligible employees with verification of other health insurance coverage. Dental insurance is not included in the waiver but covered under Delta Dental. |
| Dental Plan - Delta Dental |
$25.00 annual deductible per patient ($50 per family.)
Contract year runs from 7/1 - 6/30.
$1,000 maximum benefit per patient per benefit year.
LIfetime $1,000 orthodontic maximum benefit per patient.
Employee Cost Share (% of base wage or salary)
| |
2005-06 |
2006-07 |
2007-08 |
| Employee |
0.00% |
0.00% |
0.00% |
| Employee & child(ren) |
0.30% |
0.30% |
0.30% |
| Employee & spouse |
0.30% |
0.30% |
0.30% |
| Family |
0.40% |
0.40% |
0.40% |
| Family (2 spouses, each pay 1/2) |
0.30% |
0.30% |
0.30% |
|
| Vision - Davis Vision |
Covers one eye exam, refraction and standard lenses or regular contacts per plan year.
Plan year is 7/1 - 6/30.
Monthly payroll deduction: Single = $7.11; Two-Party = $14.21; Family = $19.90. |
Flexible Benefits Plan |
Tax free reimbursement accounts.
Plan year is July 1 through June 30.
Health Care Flexible Spending Account - minimum of $250; maximum of $5,000 per plan year; Benny Card
Dependent Care Flexible Spending Account - maximum of $5,000 per plan year. |
| Life Insurance* |
Life insurance coverage is provided on employee in the amount of annualized salary/wage for both life insurance and accidental death and dismemberment.
College paid premium. |
| Voluntary Life Insurance |
Additional life insurance available through payroll deduction for employee and dependents.
One time guarantee issue.
|
| Short Term Disability* |
First ten work days covered by sick or vacation for hourly and administrative employees and covered at 100% of wage to calendar day 90. Faculty covered at 100% of wage for calendar days 1 through 90. All employees - calendar days 91 through 180 salary/wage paid at 60%.
Other Information:
Covered through Guardian Life Insurance. |
| Long Term Disability* |
Paid at 60% of monthly earnings.
Provided after 180 day elimination period with maximum monthly benefit of $6,000.
College paid premium. |
| Long Term Care |
Long Term Care insurance is available through payroll deduction.
One time guarantee issue.
Eligible employee must work at least 1560 hours per year. |
| Voluntary Aflac Benefits |
Two Personal Accident Indemnity Plans and three Personal Cancer Indemnity Plans are available to all employees working at least 1040 hours per year. |
Educational Assistance
for Dependents |
Eligible for Tier One (Messiah), Tier Two (CCCU Colleges), Tier Three (other institutions). Spouse is eligible for Tier One.
Other Information:
Half-time employees are eligible for Tier One (Messiah College) Benefit only if working a minimum of 1,040 hours annually. Spouses eligible for Tier One. |
Educational Credits
- four free credits |
Employee and/or spouse eligible for 4 credits per semester at Messiah College (see Employee Manual).
Other Information:
Part-time and Limited-hour employees are not eligible for this benefit. |
| Graduate Aid Program |
Eligible to apply (see Employee Manual).
For post baccalaureate program of study.
Other Information:
Part-time and Limited-hour employees are not eligible for this benefit. |
