2017 Benefit Plans

**Employee Benefit Changes for 2017**

We have some good news to share for the College’s 2017 employee benefits program. The College’s Employee Benefits Advisory Committee (EBAC) has advised several changes.

First is the return of Delta Dental and VSP as our Dental and Vision providers. Contributions in 2017 for these programs will continue at the same level they have been at for the last 5 years.

Second is the change in medical insurance. We are continuing with Kaiser but have decided to replace UHC and return to Health Net. This change was made both because of service challenges and cost. While the HMO plan designs for both Kaiser and Health Net will basically be the same, there are a number of state mandated changes on the PPO/HSA plan coming. Details can be found below within the Health Net PPO/HSA plan summary.

Also, for the first time in 3 years, there will be an increase in the employee medical contributions. Over the last three years, the College has been able to absorb all insurance rate increases; and we have enjoyed keeping employee contributions unchanged.  However the needed medical premium increase from the carriers continues at a level that the College cannot fully absorb. So, in light of our current fiscal climate, and mindful of the impact a contribution increase will have on members of the campus community, a 5% increase on employee medical contributions is being implemented.*

Open enrollment for 2017 will take place from October 31st through November 18, 2016. In order to avoid cancelation / interruption of your coverage for 2017, you must participate in open enrollment. Medical, dental and vision enrollments MUST be completed in GaelXpress.

*Pursuant to its legal obligations under the National Labor Relations Act and the procedural requirements thereof, this change is not yet final for members of the bargaining unit.

General Information

Medical - Health Net

Medical - Kaiser

Dental

Vision

Benefit eligible employees are automatically enrolled in the following benefits and premiums are paid by the College:

Basic Life/AD&D - Employer Paid

Long Term Disability Employer Paid

Employee Assistance Program (EAP) - Employer Paid

Flexible Spending Accounts (Navia Benefit Solutions)

Information on the benefits of participation in the various types of FSA accounts is below.  The maximum pre-tax contribution is $2,600 for calendar year 2017. The SMC Navia company code is SM1.

Optum Bank Health Savings Account (HSA)

Enrollment in the Optum HSA is ONLY for those employees electing the Health Net PPO High Deductible plan.  HSA's are a great way to save pre-tax dollars for qualifying health care expenses.  Resources below will help you determine if participation makes sense for you.

Voluntary Term/Whole Life, Critical Illness, Accident Policies 

Information, including videos, on the various Unum voluntary insurance policies can be found on the dedicated SMC Unum microsite. If you want to enroll in any of the Unum voluntary benefits you may do so through the Unum website. Employees will be required to create a log in with the following personal information: last name, last 5 digits of SSN, and DOB.  Below are links to general information on the various polices available.  Post-tax payroll deductions are processed for the policy premiums.

Voluntary Employee Retirement Contributions (elections can be made at any time, both during and after open enrollment and are processed via payroll deduction)

Other SMC Benefits & Benefit Partners