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Faculty & Staff

Risk & Benefits Management

Health Care Overview

Eligibility

Enrolled full-time employees and enrolled eligible dependents are covered for expenses commencing on and after the employee’s first day of employment.

If you do not enroll either yourself or your dependents within seven days after your first day of employment, it will be necessary to await an open enrollment period. However, if you lose other coverage on yourself or dependents due to divorce, death of a spouse or loss of employment, you may apply for single or family coverage within 30 days of such occurrence and have coverage effective the date you complete the enrollment form. You also may add dependent coverage within 30 days from the date you become married with coverage effective on the date of marriage or date you sign the enrollment card, whichever is later. Dependent coverage, if you are unmarried, also may be added at the birth of your first child, providing application is made prior to the birth. If you are married and have single coverage, you may add a first dependent child (not your spouse) provided you apply for coverage prior to the birth.

If you do not change coverage as provided within the period specified, it will be necessary for you to await an open enrollment period, at a date established by the College.

If two (2) employees are married, one employee must be designated as the employee and their spouse and/or child (ren) would be considered dependents.

Those employees who were approved to retire under the guidelines established by the Board of Trustees may elect to continue their coverage. The retiree must reimburse the College for the applicable premium.

A surviving spouse of an active employee may elect to continue within the College’s group health plan for six months.

A surviving spouse of a retired employee (who retired under the guidelines established by the Board of Trustees) may elect to continue their coverage.

The surviving spouse would continue to pay the regular employee contribution, or retiree premium, for participating in the Plan.

Contributions
The Plan Sponsor determines the amount of your contribution. The balance of the costs is paid by the College.

Termination
Coverage terminates at midnight on the day on which your employment terminates, you request termination, you fail to pay required contributions, or you are no longer eligible. Any retroactive terminations must be approved by the Plan Sponsor. You may be eligible to continue coverage under legislation commonly referred to as COBRA. Information is available in the Benefits office.

Coverage for a retiree will terminate in the event he/she fails to pay the cost of his/her premium as required or in the event the retiree is employed elsewhere and eligible for coverage under another group health plan.

Coverage for the surviving spouse of an active employee or of an eligible retiree will terminate in the event the surviving spouse fails to pay the required premium, already is covered by another group health plan, remarries, or becomes eligible for another group health plan.