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Cafeteria Plan Overview The Maricopa Community Colleges (MCCCD) is pleased to offer its employees a comprehensive Flexible Benefit Program. How the Flexible Benefit Program WorksThe Flex Benefit Program allows employees to choose from a variety of benefits. Each employee is allocated flex credits to spend on options that meet the employees’ needs. Each flex benefit has a cost. If the cost exceeds the flex credits, you pay the difference through biweekly payroll deductions. If the cost is less than your flex credits, the unused amount is returned to you as taxable income. Your flex credits are allocated on a monthly basis and are determined by the tier of medical coverage purchased. Automatic BenefitsMCCCD automatically provides $20,000 group term life insurance and $15,000 accidental death and dismemberment insurance. Also provided, is mid-term disability which pays up to two-thirds of your salary if you become sick or disabled. These benefits are provided at no cost to you the employee. (For more information on these benefits refer to the Life, AD&D, and Disability sections). Additional BenefitsIn addition you may use pretax “flex credits” provided by MCCCD to buy more benefits. These additional benefits include the following insurance programs:
Pretax Premiums Save You MoneyMedical, dental, AD&D, Life and short-term disability premiums are automatically deducted from your pay on a pretax basis. Premiums for supplemental life insurance in excess of $30,000 are taxed as imputed income per IRS regulations. Using Flex Benefits, you get an immediate tax savings and an increase in your spendable income. Dependent CoverageMedical, dental, voluntary dependent life and accidental death and dismemberment coverage are available to eligible dependents of MCCCD employees. This includes your spouse, your unmarried children, stepchildren and adopted children under age 19. (Exceptions: Coverage can continue until age 24 for your unmarried children who are enrolled in an accredited school full time. The coverage period may also be extended for your unmarried dependent children if they are physically or mentally incapable of self-support.) The insurance company requires proof of continuing eligibility of children age 19 or older. If the proof of eligibility is not received within 30 days from the date of the request, your dependent will be removed from your policy immediately. Persons excluded from the benefit coverage provided by the District are brothers, sisters, parents, grandparents, grandchildren, aunts, uncles, ex-spouses, ex-partners, children of ex-spouses and ex-partners. However, medical support orders for children will qualify for eligibility. It is a fraudulent practice to add ineligible dependents to the District provided benefit coverage and disciplinary action will be taken, up to and including termination, should this occur. When Coverage BeginsIf you are a new employee, coverage begins on the first day of the month following your Board-approval date or start date, whichever is later. Employees on one-year-only contracts are eligible for coverage only during the period in which they are benefit eligible. Medical WaiversMedical and mental health insurance is the only coverage that is mandatory. However, If an employee shows evidence of coverage under another employer’s group plan, they may qualify for a medical insurance waiver. All employees on a medical insurance waiver must reapply for the waiver each fiscal year. Flex PLUS Your Other BenefitsIn addition to the wide range of benefit choices available through the Flex Benefit Program, we offer many other programs for the benefit of our employees, including:
And There’s MoreMCCCD is a member of the Employee Services and Management Association (ESMA). This organization offers special memberships and discounts to MCCCD employees on a wide variety of sports, cultural, dining, vacation and recreational activities. There are also other special programs available to you as an employee of a public educational institution, including:
Don’t Forget Your Statutory BenefitsIn addition to your other benefits, Federal and State laws require employers to provide certain benefits to all workers. These “statutory” benefits include Social Security, Medicare, Workers Compensation, and unemployment insurance. These programs may provide benefits when you are injured on the job, become disabled, retire or die. NOTE: Not all employees may be eligible for the previously listed programs. Keep in mind that this is only a summary of your benefits and does not include all of the rules and provisions which govern the plans. Insurance plan benefits are subject to the provisions, definitions, exceptions, and limitations of the master insurance policy. In preparing this information, we have tried to accurately summarize the MCCCD benefits program in clear, understandable and informal language. However, should there be any conflict between the web and the official documents, the official plan documents and contracts will prevail. MCCCD reserves the right to amend, modify, suspend, withdraw or terminate the plan, in whole or in part, at any time. If this happens, all procedures required by state and/or Federal law will be followed. Participation in the MCCCD benefits program should not be construed as a contract of employment. Last modified: July 28, 2009 |
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