Human Resources - Benefits
The following is a summary of benefits for employees that occupy the Part-Time Adjunct/
Lecturer Faculty (AAUP) job category. For more details
please contact Maureen Jeans in the Human Resources Department at (203)
837-8631.
Table of Contents
I. Health Benefits
II. Dental Benefits
III. Retirement Benefits
IV. Tuition Waiver
V. Direct Deposit
VI. Tax Sheltered Annuity
403(b) Plan and Roth 403(b) Plan
VII. State Deferred Compensation
457 Plan
VIII. CHET Program (CT. Higher Education Trust)
I. Health Benefits
- Enrollment & Dependent Information
- Making Changes to Insurance
- Medical Insurance Benefits
- Health Insurance Summaries
- Telephone numbers and Websites of Health Insurance Carriers
- Claim Forms for Anthem Preferred or BlueCare Plans
- Monthly Insurance Rates
- Prescription Drug Benefits
Enrollment & Dependent Information
Part-time AAUP employees have thirty (30) days from their employment date to enroll themselves and their eligible dependents onto the health and/or dental insurance coverage. The insurance coverage will be effective the 1st of the month, following one full month of employment. An enrollment application may be obtained from the Human Resources Department. Part-time AAUP employees enrolling onto the insurance plans will be required to submit their first payment at the time they complete the enrollment application. Payments should be made to the State of Connecticut. Thereafter, adjunct employees will receive a monthly bill from the WCSU Payroll Department. Failure to make a scheduled monthly payment for two months will result in the insurance coverage being terminated for non-payment. Termination of coverage for non-payment voids the employee’s right to COBRA insurance.
Dependent children are allowed on the medical and dental insurance through the age of 19. (An allowance may be made for disabled dependents to remain on the medical and dental insurance beyond the age of 19. This allowance must be coordinated between the employee, the insurance company and the Human Resources Department.)
A dependent child’s medical coverage may continue between the ages of 19 – 23 if the child is attending an accredited college full-time and submits the proper documentation to the Human Resources Department. At the age of 23, dependent childrens’ medical coverage will terminate and the child will be offered the option of purchasing medical coverage through COBRA regulations.
Dependent childrens’ dental coverage must terminate at the age of 19. At the age of 19, dependent childrens’ dental coverage will terminate and the child will be offered the option of purchasing dental coverage through COBRA regulations.
Making Changes to Insurance
Changes to insurance such as adding dependents, changing insurance company or changing plan level may only be made during the Open Enrollment period or through a Qualifying Event, according to the Office of State Comptroller’s rules.
· Open Enrollment: The Office of State Comptroller annually conducts an Insurance Open Enrollment period, which allows employees to make changes to their insurance plans. This is a time for employees to make changes such as; changing insurance company, plan level or adding dependents. Open Enrollment normally takes place during the month of May, with an effective date of change on July 1st.
· Qualifying Event: During the year an employee may experience a Qualifying Event, which allows them a thirty (30) day open window to enroll a dependent and/or spouse onto their health and/or dental insurance. Employees must complete the required paperwork within thirty (30) days from the date of the event. Failure to do so will result in having to wait until an annual Open Enrollment period to make a change.
Qualifying Events & Required Paperwork
Marriage: Copy of marriage certificate required.
Birth/Adoption of Child: Copy of adoption papers required.
Loss of Coverage: Documentation required stating employment termination date and insurance end date.)
Other: Court Orders: Documentation required.
An employee, who has an enrolled dependent on the state-sponsored insurance plan, has the responsibility to inform the State of Connecticut of a change in the dependents status such as divorce, legal separation, or a child losing dependent status under the state sponsored group health plan.
Employees may cancel insurance coverage anytime during the year. Employees must contact the Human Resources Department to cancel their coverage.
Medical Insurance Benefits
Currently the State of Connecticut has three (3) medical insurance companies offering coverage to state employees; Anthem Insurance, Health Net Insurance, and Oxford Insurance. Employees select a company to provide benefits, and also select a Plan Level of care. The different Plan Levels are noted below, and refer to requirements such as in-network benefits only, out-of network services, or requirements such as gatekeeper coordination.
For employees who reside outside of Connecticut the State of Connecticut offers two (2) out-of-area plans. Employees may choose from Anthem Insurance or Oxford USA.
Health Insurance
Summaries
Point of Service: Under the Point of Service (POS) option, health care services are available both within and outside a defined network of physicians and other health care providers. POS members who obtain health care services from network providers pay a small co-payment, and are eligible for all benefits provided by the plan according to the schedule of benefits. Services may be obtained from participating providers without a referral. Covered services obtained from non-participating providers are reimbursed at the rate of 80% of the plan allowance for in-network services, after the annual deductible has been met. Pre-authorizations may be required for non-network services, unless the care is necessitated by a bona fide emergency. Four POS options are offered.
Point of Enrollment (No Gatekeeper): Under the Point of Enrollment (POE) option, health care services are available only from a defined network of physicians and other health care providers. Each covered member must choose a Primary Care Physician (PCP); however, no referral from the PCP is necessary to receive care from participating providers. POE members who obtain health care services from providers outside the network must pay the full cost of these services, unless the care is necessitated by a bona fide emergency. Three POE options are offered.
Point of Enrollment (Gatekeeper): Under the Point of Enrollment with Gatekeeper (POE-G) option, health care services are available only from a defined network of physicians and other health care providers. Each covered member must choose a Primary Care Physician (PCP) who coordinates all care. A referral from the PCP is required for all specialist services. POE members who obtain health care services from providers outside the network, or without a referral from their PCP, must pay the full cost of these services, unless the care is necessitated by a bona fide emergency. Three POE-G options are offered.
Out of State Residents: State employees who reside outside of Connecticut have the option of enrolling in the State Preferred Point of Service plan. Under the State Preferred plan, if you use a health care provider who is a member of the Blue Cross Participating Provider Organization, all service are considered in-network. If you use a provider who is not in this network in your area, you will be required to pay a deductible and co-payment for services. The employee cost is the same as the State Blue Care Point of Service plan. Employees also have the option of selecting Oxford USA.
Telephone Numbers and Websites of Health Insurance Carriers and Prescription Drug Carrier
|
Anthem Blue Cross Oxford Medical Health Net Pharmacare |
800-922-2232 800-385-9055 800-255-5019 800-318-2572 |
Claim Forms for Anthem Preferred or BlueCare POS Plan
For Out-of-Network Claim Forms for Anthem Preferred or BlueCare POS Plans only: To secure an online claim form go to www.anthem.com/statect select FAQ, then select Claims, then select How do I file a claim?, then select Secure Online Form. Employees will be instructed to provide information so a claim form can be mailed to them.
Monthly Insurance Rates - Effective July 1, 2007 through June 30, 2008
Types of Plans |
Subscriber |
Subscriber Plus One |
Family |
Family Less Employed Spouse * |
| Point of Service Plans (POS) $15.00 office visit co-pay. In-network & out-of-network benefits | ||||
| Anthem State Preferred POS | $662.79 | $1458.14 | $1789.53 | $1126.74 |
| Anthem State BlueCare POS | $507.14 | $1115.71 | $1369.28 | $862.14 |
| Health Net Charter POS | $497.19 | $1093.82 | $1342.41 | $845.22 |
| Oxford Freedom Select POS | $449.56 | $989.03 | $1213.81 | $764.25 |
| Point of Enrollment Plans (POE) $10.00 office visit co-pay. In-network benefits only | ||||
| Anthem State BlueCare POE | $487.44 | $1072.37 | $1316.09 | $828.65 |
| Health Net Charter POE | $469.42 | $1032.72 | $1267.43 | $798.01 |
| Oxford HMO Select POE | $428.78 | $943.32 | $1157.71 | $728.93 |
| Point of Enrollment - Gatekeeper Plans (POE-G) $10.00 office visit co-pay. In-network benefits only. Referrals required. | ||||
| Anthem State BlueCare POE Plus | $480.05 | $1056.11 | $1296.14 | $816.09 |
| Health Net Passport HMO | $474.66 | $1044.25 | $1281.58 | $806.92 |
| Oxford HMO | $396.13 | $871.49 | $1069.55 | $673.42 |
| Out of State - Out of Area Plans (OOA) $15.00 office visit co-pay. | ||||
| Anthem State Preferred | $611.66 | $1345.65 | $1651.48 | $1039.82 |
| Oxford USA | $475.50 | $1046.10 | $1283.85 | $808.35 |
* The Family Less Employed Spouse rate is available only when both spouse are employed by the State of Connecticut, eligible for health insurance, and enrolled in the same plan, along with at least one child.
NEW BENEFIT * Effective with the fall 2007 semester, adjunct faculty may be eligible for state sponsored medical and/or dental insurance rates. To be eligible for state sponsored insurance rates you must be teaching nine (9) or more credits in the aggregate, per semester, at multiple locations within any of the State of Connecticut university or college systems: Connecticut State University Systems (CCSU, ECSU, SCSU, WCSU), University of Connecticut, or any of the state community colleges. If eligible for this benefit, lecturers would be required to pay monthly premiums and then receive a reimbursement payment at the end of the semester. For more information regarding this benefit please contact Lisa Lengel in the Human Resources Department at 203-837-8666.
Prescription Drug Benefits
The prescription benefits are included as part of the medical benefits.
PharmaCare is the State of Connecticut pharmacy benefits provider for all covered employees, retirees, and their eligible dependents.
Co-pays: $3.00 generic/$6.00 brand name prescription: up to 34 day supply.
*If you request a brand-name drug substitute, you pay the $6.00 co-pay plus the difference between the cost of the generic and the brand name. If your physician feels that the brand-name drug is necessary and writes "dispense-as-written" of "no substitutes" on the prescription, you only pay the $6.00 co-pay.
PharmaCare's prescription drug plan will enable you to:
- Obtain prescriptions through PharmaCare's network of over 52,000 chain and independent retail pharmacies.
- Obtain maintenance prescriptions through PharmaCare's mail service pharmacy - PharmaCare Direct. Your medications will be delivered directly to your home within seven to ten days. Co-pays will apply.
- PharmaCare's HealthLine, a telephone information and education center you can call for answers to common health and medication related questions.
- Utilize www.pharmacare.com to easily view your plan design and co-pay information, search for details on prescription medications, locate a pharmacy near you, review your claim history, and order your refills through PharmaCare Direct.
- Employees are only allowed to use an Out-of-Network pharmacy in an emergency situation or when overseas. Contact PharmaCare for further details.
Telephone Number and Website
Pharmacare: 1-800-318-2572 www.pharmacare.com
Claim Form: In the event a prescription is filled at a non-participating pharmacy (emergency situations or overseas travel only) employees will need to submit a claim form to request reimbursement.
Claim forms are available on-line at www.pharmacare.com. Select Members, select Services, under My Benefits select Forms, select Direct Membership Reimbursement. To submit a claim follow the instructions on the claim form. Reimbursement will take approximately 6 to 8 weeks to process.
II. Dental Benefits
- Dental Benefits Description
- Dental Plan Comparison
- Telephone Numbers and Websites of Dental Carriers
- Monthly Rates
- Claim Forms for United Healthcare Basic & Enhanced PPO Plans
Dental Insurance Benefits Summaries
Currently the State of Connecticut offers three (3) different dental plans to provide dental benefits to employees.
United HealthCare Basic Dental Plan: A plan which has no defined network and allows employees the freedom to select a dentist of their choice. Because there is no defined network, the percentage of benefits covered is based on usual and customary rates prevailing in the geographic area in which the expenses are incurred.
United HealthCare Enhanced PPO: This is an expanded dental plan that covers a broader array of procedures, from either a defined network or out of network dentists. If services are provided from an out of network dentist the benefit percentage applies to the schedule of maximum allowable charges. Maximum allowable charges are limitations on billed charges in the geographic area in which the expenses are incurred. Some orthodontia coverage is available with this plan.
Aetna DMO: Aetna Dental Maintenance Organization covers employees for some procedures at one hundred percent (100%). Employees must remain in-network at all times. No out of network benefits are allowed. Upon hire, employees will be required to select a dental office from the network, and will be required to receive treatment from their dentist location selected. Employees wishing to change dental locations must call Aetna first to register with another dental office. Employees using another dental location without contacting Aetna will result in no benefit coverage. Some orthodontia coverage is available with this plan.
Dental Plan Comparison
| UHC Basic | UNC Enhanced PPO | Aetna | |
| Service Areas | Any Licensed Dentist |
Check with United HealthCare for participating PPO dentists in your area | Check with Aetna for Aetna DMO® network dentists in your area. |
| Annual Deductible | None |
$25 individual/$75 family | None |
| Annual Maximum | None |
$3,000 per individual (not including Ortho) |
None |
| Diagnostic & Preventive Care | |||
| Exam | Covered at 80% | Covered at 100% | Covered at 100% |
| X-Rays | Covered at 80% | Covered at 100% | Covered at 100% |
| Simple Restoration | |||
| Fillings | Covered at 80%1 | Covered at 80%1 | Covered at 100%2 |
| Oral Surgery | Covered at 67% | Covered at 67% | Covered at 100%2 |
| Orthodontia | |||
| Children (under 19) | Not Covered | Plan pays $1,500 per individual per lifetime | Patient pays $1,500 fixed co-pay |
| Adults 19 and older | Not Covered | Plan pays $1,500 per individual per lifetime | Patient pays $1,500 fixed co-pay |
1 For fillings and crowns on molars, the least expensive equally effective procedure will be reimbursed
2 Additional charges may apply for other than simple restoration.
Telephone Numbers and Websites of Dental Carriers
| UnitedHealthCare Dental | 800-896-4834 | www.myuhcdental.com/statect |
| Aetna Dental DMO | 877-238-6200 | www.Aetna.com |
Dental Monthly Rates - Effective July 1, 2007 through June 30, 2008
Subscriber only |
Subscriber Plus One |
Family |
Family Less Employed Spouse* |
|
| United HealthCare Indemnity | $32.15 | $98.05 | $98.05 | $65.90 |
| United HealthCare PPO Plan | $29.57 | $90.19 | $90.19 | $60.62 |
| Aetna DMO Dental | $22.16 | $48.75 | $59.83 | $37.67 |
* The Family Less Employed Spouse rate is available only when both spouse are employed by the State of Connecticut, eligible for health insurance, and enrolled in the same plan, along with at least one child.
Claim Forms for United Healthcare Basic & Enhanced PPO Plans only
To secure an online claim form go to www.myuhcdental.com/statect, select Claims Information, then select Claim Form, then select Claim Form again. At this point you may print the online claim form. Claim forms should be mailed to the address on the back of the employees United Healthcare identification card.
III. Retirement Benefits
Retirement Benefits:
The Alternate Retirement Program
For the most part, all part-time teaching faculty are eligible to join either the Alternate Retirement Plan or the Connecticut State Employees Retirement System Tier 2A Plan.
Adjunct faculty who teach full time at a public school system and are enrolled in the CT Teachers' Retirement System may elect to have their adjunct earnings credited towards their Teachers Retirement.
The Alternate Retirement Program
For the most part, part-time teaching faculty are eligible to belong to the Alternate Retirement Plan (ARP.)
Effective January 1, 2006 ING Life Insurance and Annuity Company (ING) was selected to act as a third-party administrator for the State of Connecticut Alternate Retirement Program. ING will be responsible for counseling participants on asset allocations, financial education, and record keeping for the retirement account. The annual administrative fee is .12% for ING services.
The Alternate Retirement Program (ARP) is a defined contribution plan. Participants in ARP must contribute 5% of their gross salary and the State will match 8% based on the employee’s gross salary. The enrollment process is done through the WCSU Human Resources Department.
IMPORTANT INFORMATION
Upon hire, participants in the ARP will have their asset allocations defaulted to the Connecticut Stable Value Fund.
Upon receiving a confirmation letter of enrollment and PIN from ING, participants may make asset allocation changes via the website www.CTdcp.com and selecting Account Access, through a toll-free telephone number 1-800-584-6001, or through the agency’s assigned ING representative. An ING representative will visit Western Connecticut State University periodically and newly hired employees are encouraged to review their asset allocations with the representative.
The ING investment menu will offer participants 25 different options to invest in. These investment options fall into four categories.
- A Stable Value Option: provides a periodically declared rate and a guaranteed minimum rate of 3.00%.
- Target Date Life Cycle Funds: a portfolio of investment options that track to a certain date for retirement.
- Passively Managed Index Funds: designed to mirror a specific market index.
- Actively Managed Funds: receive the attention of a portfolio or team manager who monitors the individual stock positions in their fund on a daily basis.
A fund fact sheet for each of the 25 funds is available at www.CTdcp.com (select ARP Plan)
The State of Connecticut Retirement and Benefits Services Division is responsible for the ongoing review of the Plan to make available developments in plan services, technology, education and investments.
Toll-free telephone: ING 800-584-6001 Website: www.CTdcp.com
Tier IIA
The TIER II A Plan is a defined benefit plan which is fully funded on an actuarially reserve basis. Employee contributions are 2% of their salary before taxes. There is a minimum of 5 years of vesting service required to be eligible for retirement benefits. All vesting service is not credited service. Vesting service determines your eligibility for benefits. Credited service determines the amount of your benefit at retirement.
If you would like some more information, or enroll please call Lisa Lengel in the Human Resources Department at (203) 837-8666.
IV. Tuition Waiver
Please refer to the following link for details on the Tuition Waiver benefit for AAUP Part-Time Adjunct/Lecturer Faculty. Tuition Waiver Benefits
V. Direct Deposit
Employees of Western Connecticut State University may elect to have their paychecks automatically deposited into a personal checking or statement savings account.
For more information, please access our Direct Deposit link: Direct Deposit
VI. Tax Sheltered Annuity 403(b) Plan and Roth 403(b) Plan
Tax Sheltered Annuity 403(b) Plan
The 403(b) Plan allows participants to allocate contributions to mutual funds and variable annuities on a pre-taxed basis for retirement purposes, and which have the potential to grow tax-deferred. Withdrawals from your account prior to age 59 ½ may be subject to a 10% IRS penalty, and be taxed as ordinary income the year of withdrawal.
Effective January 1, 2006 ING Life Insurance and Annuity Company (ING) was selected to act as a third-party administrator for the State of Connecticut 403(b) Plan. ING will be responsible for counseling participants on asset allocations, financial education, and record keeping for the 403(b) account. The annual administrative fee is .12% for ING services.
The ING 403(b) investment menu will offer participants 25 different options to invest in. These investment options fall into four categories.
-
A Stable Value Option: provides a periodically declared rate and a guaranteed minimum rate of 3.00%.
-
Target Date Life Cycle Funds: a portfolio of investment options that track to a certain date for retirement.
-
Passively Managed Index Funds: designed to mirror a specific market index.
-
Actively Managed Funds: receive the attention of a portfolio or team manager who monitors the individual stock positions in their fund on a daily basis.
A fund fact sheet for each of the funds is available at www.CTdcp.com (select 403(b) Plan).
Enrollment: Employees interested in participating in the State of Connecticut’s 403(b) Plan may contact ING directly at 1-800-584-6001. Enrollment into the 403(b) Plan is made directly through ING. Upon enrollment participants will receive a confirmation letter from ING and a Personal Identification Number for accessing their account.
Annual Limits: Federal law restricts the amount you may contribute to a 403(b) Plan. The annual limitation on deferrals for the year 2007 is $15,500 (with cost-of-living increases in $500 increments set for the year 2008 and after). Some employees might be eligible to defer additional amounts through the Catch-Up provision (employees 50 years or older might be allowed to defer an additional $5000 each year).
Please Note: If you are contributing to both the traditional pre-tax 403(b) Plan and the
Roth 403(b) Plan your aggregate contributions cannot exceed $15,500, or $20,500 if you elected the Age 50+ Catch-Up option.
Employees with questions regarding the 403(b) Supplemental Tax Deferred Annuity Plan may contact Lisa Lengel in the Human Resources Department at 203-837-8666.
The Office of State Comptroller has complete responsibility for oversight of the Plan and is held to fiduciary standards under State and local law in its ongoing monitoring of the Plan.
Roth 403(b) Plan
The Roth 403(b) Plan is designed to allow employees to save additional money for retirement purposes on an after tax basis. The Plan allows participants to allocate contributions to mutual funds and variable annuities for retirement purposes which have the potential to grow, tax free. Withdrawals from your account prior to age 59 1/2 may be subject to 10% IRS penalty.
Effective in 2007, ING Life Insurance Company was selected to act as a third-party administrator for the State of Connecticut Roth 403(b) Plan. ING will be responsible for counseling participants on asset allocations, financial education, and record keeping for the Roth 403(b) account. The annual administrative fee is .12% for ING services.
The ING 403(b) investment menu will offer participants 25 different options to invent in. These investment options fall into four categories.
- A Stable Value Option: provides a periodically declared rate and a guaranteed minimum rate of 3.00%.
- Target Date Life Cycle Funds: a portfolio of investment options that track to a certain date for retirement.
- Passively Managed Index Funds: designed to mirror a specific market index.
- Actively Managed Funds: receive the attention of a portfolio or team manager who monitors the individual stock positions in their fund on a daily basis.
For further information regarding the Roth 403(b) Plan go to www.CTdcp.com (Select 403(b) Plan, Education).
Enrollment: Employees interested in participating in the State of Connecticut's Roth 403(b) Plan may contact ING directly at 1-800-584-6001. Enrollment into the Roth 403(b) Plan is made directly through ING. Upon enrollment participants will receive a confirmation letter from ING and a Personal Identification Number for accessing their account.
Distributable Events: Separation from Service, Retirement, Disability (as defined by the Internal Revenue Code), Death or Financial Hardship.
(If the distribution is not a Qualified Distribution, the accumulated earnings will be subject to tax, and an additional federal penalty tax may apply).
Tax Free Qualified Distribution: You are eligible for a Tax Free Qualified Distribution only if the following criteria are met.
You have met the 5 year holding period requirement and the distribution is due to: Separation from Service and attainment of age 59 1/2,
Disability (as defined by the Internal Revenue Code)
Death
Annual Limits: Federal law restricts the amount you may contribute to a Roth 403(b) Plan. The annual limitation on deferrals for the year 2007 is $15,500 (with cost-of-living increases in $500 increments set for the year 2008 and after). Some employees may be eligible to defer additional amounts through the Catch-Up provision (employees 50 years or older might be allowed to defer an additional $5000 each year).
Please Note: If you are contributing to both the traditional pre-tax 403(b) Plan and the Roth 403(b) Plan, your aggregate contributions cannot exceed $15,500 or $20,500 if you elected the Age 50+ Catch-Up option.
Employees with questions regarding the Roth 403(b) Plan may contact Lisa Lengel in the Human Resources Department at 203-837-8666.
The Office of State Comptroller has complete responsibility for oversight of the Plan and is held to fiduciary standards under State and local law in its ongoing monitoring of the Plan.
VII. Deferred Compensation Program
457 Deferred Compensation Plan
The 457 Plan allows participants to allocate contributions to a number of investment options. The options are long term investment vehicles designed for retirement purposes. Contributions are made on a pre-taxed basis, and have the potential to grow tax-deferred. Early withdrawal may be taxed as ordinary income the year of withdrawal.
Effective July 1, 2005 ING Life Insurance and Annuity Company (ING) was selected to act as a third-party administrator for the State of Connecticut Deferred Compensation 457 Plan. ING will be responsible for counseling participants on asset allocations, financial education, and record keeping for the 457 Deferred Compensation Program account. The annual administrative fee is .12% for ING services.
The ING 457 Plan investment menu will offer participants 25 different options to invest in. These investment options fall into four categories.
-
A Stable Value Option: provides a periodically declared rate of interest.
-
Target Date Life Cycle Funds: a portfolio of investment options that track to a certain date for retirement.
-
Passively Managed Index Funds: designed to mirror a specific market index.
-
Actively Managed Funds: receive the attention of a portfolio or team manager who monitors the individual stock positions in their fund on a daily basis.
For further information regarding the 457 Plan go to www.CTdcp.com (select 457 Plan).
Enrollment: Employees interested in participating in the State of Connecticut’s 457 Deferred Compensation Plan may contact ING directly at 1-800-585-6001. Enrollment into the 457 Plan is made directly through ING. Upon enrollment participants will receive a confirmation letter from ING and a Personal Identification Number for accessing their account.
Annual Limits: Federal law restricts the amount you may contribute to a 457 Plan. The annual limitation on deferrals for the year 2007 is $15,500 (with cost-of-living increases in $500 increments set for the year 2008 and after). Some employees might be eligible to defer additional amounts through the Catch-Up provision (employees 50 years or older might be allowed to defer an additional $5000 each year).
Employees with questions regarding the 457 Deferred Compensation Plan may contact Lisa Lengel, in the Human Resources Department at 203-837-8666.
The Office of State Comptroller has complete responsibility for oversight of the Plan and is held to fiduciary standards under State and local law in its ongoing monitoring of the Plan.
VIII. Connecticut Higher Education Trust (CHET)
An account can be opened by or for any Connecticut resident for the purpose of investing for college and graduate school expenses.
For more information, please access our
Connecticut Higher Education Trust (CHET) link:
Connecticut Higher Education Trust (CHET)
WCSU is an AA/EEO Educator/Employer.
