Summary of ERS Benefits for Limited Full-Time Employees

Section:	Benefits
Topic/Subject:	Summary of ERS Benefits for Limited Full-Time Employees
Date:	September 1, 2005
Applies to:	All Full-time DCCCD Employees
Source:	District Human Resources and ERS

All employees of public community colleges, junior colleges and senior institutions, including the DCCCD , were required to enroll in a statewide benefits program administered by Employees Retirement System of Texas (ERS). DCCCD employees are encouraged to maintain all current enrollment information and plan description materials that are generated by ERS or insurance carrier. For more information concerning the Group Benefit Program, visit ERS at http://www.ers.state.tx.us or phone 1-800-252-3645.

Benefit	Eligibility	Employee Cost	Benefit Coverage
Comprehensive Medical Coverage Blue Cross Blue Shield of Texas - Health Select Plan Year September through August *You may qualify for*	Eligible on first day of the month after 90 calendar days of active employment, otherwise evidence of insurability may be required.	Medical premium is funded at 50% by the State and the employees pay 50% of the pre-taxed premium. Dependent premiums are funded at 25% by the State and employee pays 75% of pre-taxed premium.	Employee may automatically be enrolled in the Medical Plan on the first day of the month after 90 calendar days of active employment. Dependents must be enrolled by the employee by the 91st day of employment, otherwise evidence of insurability may be required.
State Kids Insurance Program (SKIP)	Same as comprehensive medical.	Employee may apply for additional state funds at any time during the plan year to pay for child(ren).	Employee may add SKIP approved child(ren) to medical insurance at a reduced premium rate.
Basic Group Term Life and Accidental Death and Dismemberment	Eligible on first day of the month after 90 calendar days of active employment.	No cost to employee.	Employee may automatically be covered for $5000 Basic Group Term Life and $5000 Accidental Death and Dismemberment.
Dental Plans Indemnity or Dental Maintenance Organization	Eligible on date of hire. Must be enrolled within 30 calendar days of date or hire or during ERS Summer Enrollment.	Dental premiums are paid pre-tax by the employee.	Indemnity Plan – May see any Dentist; eligible dental work covered. Benefits increase during the first 3 years of enrollment. DMO – Must live in service area and select from the list of approved Providers. Eligible dental work covered with employee paying applicable co-payments.
Optional Group Term Insurance	Eligible on date of hire For 2 times annual base salary within the 30 days of hire. May apply through evidence of insurability for up to 4 times annual base salary. Otherwise proof of insurability is required.	Premium amount is based on age and level of coverage. Paid pre-taxed by employee.	Amount purchased paid to the employee's designated beneficiary.
Dependent Term Life Insurance	Eligible on date of hire. Eligible dependents must be enrolled within 30 calendar days of employee's eligibility.	Paid pre-taxed by employee.	$5000 of life insurance and $5000 of accidental death and dismemberment for covered dependent(s).
Voluntary Accidental Death and Dismemberment Employee Family	Eligible on date of hire Must be enrolled within 30 calendar days of date of hire, including family coverage, otherwise during ERS Summer Enrollment.	Premium is based on the amount of coverage. Paid pre-taxed by employee.	Purchased amount is paid to the employee or beneficiary in case of death.
Short-Term Disability (Administered by Group Life and Health)	Eligible on date of hire. Must be enrolled within 30 calendar days of employee's eligibility. Otherwise, proof of insurability is required.	Post taxed premium is based on salary level of employee.	Your maximum monthly income benefit will be 60% of your insured monthly salary (maximum $3,000) or $1,800, whichever is less. Your minimum monthly income benefit will be 10% of your insured monthly salary (if you are receiving worker's compensation, a disability retirement benefit, or other group disability benefits). Benefits are payable up to five months after you have been certified as totally disabled by an approved practitioner, used all of your sick leave, extended sick leave, sick leave pool, or completed the waiting period of 30 consecutive days, whichever is greater, and have been approved by Fort Dearborn Life.
Long-Term Disability (Administered by Group Life and Health)	Eligible on date of hire. Must be enrolled within 30 calendar days of date of hire, otherwise, proof of insurability is required.	Post taxed premium is based on salary level of employee.	Your maximum monthly income benefit will be 60% of your insured monthly salary (maximum $10,000) or $6,000, whichever is less. Your minimum monthly income benefit will be 10% of your insured monthly salary for up to 12 months (if you are receiving Social Security disability, worker's compensation, a disability retirement benefit, or other group disability benefits). Benefits are payable to you after you have been certified as period totally disabled by an approved practitioner, used all of your sick leave, extended sick leave, sick leave pool, or completed the waiting period of 90 consecutive days, whichever is greater, and have been approved by Fort Dearborn Life. Benefits are payable up to the maximum benefit period, which depends on your age when you become totally disabled: Under 60 - Payable to age 65 60-64 - Payable for 60 months 65-69 - Payable to age 70, or 12 months, whichever is greater 70 and over- Payable for 12 months
TEXFLEX Health Care and/or Dependent Care Reimbursement Accounts	Eligible on date of hire Must be enrolled within 30 calendar days of date of hire, otherwise during ERS Summer Enrollment.	Under IRS Guidelines, allows employee's pre-tax contributions up to $555 per month.	Allows reimbursement for health care and/or child care expenses from the employee's reimbursement account.
Accelerated Life	Eligible on date of hire.	Must be enrolled in Optional Term Life.	An active employee on approved leave without pay, with a qualified illness may apply for 50% of their Optional Term Life Insurance, up to a maximum of $100,000.
COBRA Continuation of Benefits	Eligible on date of hire.	Paid by qualified beneficiary.	Under COBRA an employee may continue medical and/or dental for a maximum of 18 months due to termination, other guidelines apply for employees and dependent(s).
HIPPA	Eligible on date of hire.	No cost to employee.	Under HIPPA every insurance participant who loses insurance medical coverage must to provided a “Creditable Certificate of Coverage”.
Long Term Care Insurance for Employees/Spouse/Others	Eligible on date of hire Must be enrolled within 30 calendar days of date of hire, otherwise evidence of insurability may be required. .	Paid by the employee, spouse, or other member of the family directly to the insurance carrier.	Provides assisted living, social, and related support when an employee or family member can not perform daily activities due to illness or disability.

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