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.  Three Percent (3%) Retiree Health Fund

     III.   Retirement Benefits 
     IV. Tuition Waiver 
    V.   Direct Deposit 
   VII.   Supplemental Retirement 403(b) & 457 Plans 
  VIII.   CHET Program (CT. Higher Education Trust) 


I.  Health Benefits

New employees have 31 days from their hire date to enroll onto the medical and/or dental insurance coverage.  Coverage begins the first day of the month following your hire date. 

The Office of State Comptroller maintains an “Active Employee Open Enrollment Planner” which gives full details about the current insurance offered to employees.

To view the Active Employee Open Enrollment Planner, please navigate to the Office of State Comptroller’s webpage http://www.osc.ct.gov/   under the Employee Resources tab, the Medical, Dental & Miscellaneous Benefits Information link, to the Open Enrollment link.

Enrollment onto the insurance coverage is handled through the Human Resources Department.

Adjunct faculty enrolled on health insurance will be billed monthly by the Payroll Department.     

 Monthly Insurance Rates - Effective July 1, 2012 through June 30, 2013

Types of Plans

Subscriber

Subscriber Plus One

Family

Point of Service Plans (POS) $15.00 office visit co-pay. In-network & out-of-network benefits

Anthem State BlueCare POS $624.24 $1,373.33 $1,685.45
Oxford Freedom Select POS $506.53 $1,114.37 $1,367.63

Point of Enrollment Plans (POE) $15.00 office visit co-pay.  In-network benefits only

Anthem State BlueCare POE $604.18 $1,329.20 $1,631.29
Oxford HMO Select POE $481.97 $1,060.33 $1,301.32

Point of Enrollment - Gatekeeper Plans (POE-G) $15.00 office visit co-pay.  In-network benefits only. Referrals required.

Anthem State BlueCare POE Gatekeeper $601.78 $1,323.92 $1,624.81
Oxford HMO $443.33 $975.33 $1,196.99

Out of State - Out of Area Plans (OOA) $15.00 office visit co-pay.

Anthem - Out of Area Plan $855.41 $1,881.91 $2,309.61
Oxford USA - Out of Area Plan $537.23 $1,181.91 $1,450.52

Dental Monthly Rates - Effective July 1, 2012 through June 30, 2013

 

Subscriber only

Subscriber Plus One

Family

United HealthCare Basic Dental Plan $42.11 $128.44 $128.44
United HealthCare Enhanced Dental Plan $38.75 $118.19 $118.19
CIGNA Dental Care® - DHMO $25.80 $56.76 $69.66

Health Enhancement Program

Employees who are enrolled in a medical plan are paying 100% of health coverage will continue to receive the benefits as if they are enrolled in the Health Enhancement Program (HEP) - including the free dental cleanings, reduced co-pays for certain prescriptions, and office visits. These employees will not be subject to the compliance requirements of the Health Enhancement Program, will not be responsible for the premium co-shares of an additional $100.00 per month nor will they be subject to a $350.00 per participant/per year deductible.  They are also ineligible for the $100.00 HEP Chronic Condition-related bonus payment.

Reimbursement

Adjunct faculty who purchase insurance coverage may be eligible for state sponsored medical and/or dental insurance rates.  To be eligible you must be teaching nine (9) or more credit hours in the aggregate, per semester, at multiple locations within any of the State of Connecticut universities or college systems: University of Connecticut, the Connecticut State University System, or the Regional Community-Technical College System.  Adjuncts are required to pay their monthly premiums, and then if eligible, receive a reimbursement payment at the end of the semester.   For more information about this benefit please contact Lisa Lengel in the Human Resources Department at 203-837-8666.


II.  Three Percent (3%) Retiree Health Care Fund

Effective July 1, 2009 all new health care eligible employees shall, during their first 10 years of employment, contribute three percent (3%) of their salaries to a fund established for the provision of health care coverage to retired state employees.

Adjunct faculty in higher education who are intermittently eligible for active employee health care shall not be required to make the above contributions; provided, however, that if any such employee ever qualifies for retiree health care, he/she will be required to pay back such contributions for the full 10 qualifying years.


III. Retirement Benefits

If you are a part-time adjunct faculty member in higher education you must make a one-time irrevocable election of retirement membership.  All elections must be made within 60 days of employment. If you do not enroll in a retirement plan within 60 days of your hire date, you will automatically default into the Connecticut State Employees Retirement System Tier III Plan.

You may elect membership in the:

  • Connecticut State Employees Retirement System Tier III Plan (SERS),

  • Connecticut State Employees Retirement System Hybrid Plan (HYBRID),

  • Alternate Retirement Plan (ARP),

  • Teachers’ Retirement System (TRS), if eligible,

  • Waive Participation (WAIVE), you may elect to waive participate in a retirement plan

  • Default Enrollment.  If you do not make an election or waive participation, you will automatically become a member of the Connecticut State Employees Retirement System Tier III Plan after 60 days of employment.

Your election is irrevocable – no change to an employee’s retirement plan membership is permitted after the initial election or following the 60 day default.  However, if you elect the HYBRID, ARP, or TRS plan and are subsequently employed in a position not eligible for HYBRID, ARP, or TRS participation, you then must be enrolled in SERS Tier III plan.

Part-time adjunct employees who have previously waived joining a retirement plan through employment at the University of Connecticut, the Connecticut State University System, or the Regional Community-Technical College System are ineligible for retirement plan membership for any further part-time adjunct employment.

If you previously waived membership in a retirement plan as a part-time adjunct faculty member at the University of Connecticut, the Connecticut State University System, or the Regional Community-Technical College System and later become employed in a full-time position you must make an irrevocable election to join SERS Tier III, or if eligible the HYBRID, ARP, or TRS plan.

A summary of the retirement systems provided by the State of Connecticut follows.

Connecticut State Employees Retirement System Tier III Plan

This is a governmental defined benefit plan intended to be qualified under section 401(a) of the Internal Revenue Code.  The employee contribution to this plan is two percent (2%) of their salary and contributions are made on a pre-tax basis.  Should you meet the requirements for receipt of a retirement benefit under this plan; the benefit you receive will be calculated based on a formula which uses the number of years you participated in the plan and the average of your five highest years of salary.  Under the Tier III plan, retirement credit may be granted for some prior employment service, including military service and municipal employment.  Restrictions apply.  See the Connecticut State Employees System Tier III Summary Plan Description available on the Office of State Comptroller’s website for more details http://www.osc.ct.gov .

  • Minimum Vesting Period:   10 years

  • Early Retirement Age:          Age 58 with 10 years of vesting service

  • Normal Retirement Age:     Age 63 with 25 years of vesting service

  • Age 65 with 10 years of vesting service

  • If you are not eligible for a vested or an immediate retirement benefit when you leave state service, you may withdraw your retirement contributions.

Connecticut State Employees Retirement System Hybrid Plan

This is a governmental defined benefit plan with a “cash out” option intended to be qualified under section 401(a) of the Internal Revenue Code.  The employee contribution to this plan is five percent (5%) of their salary and contributions are made on a pre-tax basis.  At the time of retirement you must choose between receipt of a defined benefit calculation based on a formula which uses the number of years you participated in the plan and the average of your five highest years of salary or a lump sum withdrawal of your contributions plus four percent interest with a 100% employer match.  See the Connecticut State Employees Retirement System Hybrid Plan Summary Plan Description available on the Office of the State Comptroller’s website for more details http://www.osc.ct.gov.

  • Minimum Vesting Period:   10 years

  • Early Retirement Age:           Age 58 with 10 years of vesting service

  • Normal Retirement Age:     Age 63 with 25 years of vesting service; Age 65 with 10 years of vesting service

  • If you are not eligible for a vested or an immediate retirement benefit when you leave state service, you may elect the cash out option.  The cash out option will include your contributions and a five percent (5%) employer match.

  • At the time of retirement you may elect the cash out option in lieu of a monthly pension.  The cash out option will include your contributions and a five percent   (5%) employer match.

Alternate Retirement Plan

This is a governmental defined contribution plan intended to be qualified under section 401(a) of the Internal Revenue Code.  The employee contribution to the plan is five percent (5%) of their salary and is made on a pre-tax basis. The State contributes an amount equal to 8% of your salary. ING Financial Partners is the State’s administrator for this retirement plan. Plan contributions are invested at the direction of the member, in investment funds available under the plan.  An ARP member’s benefit is based upon their contributions to the plan, the State’s contribution to the plan and investment earnings, if any.      Information on ARP is available on the internet at www.CTdcp.com .

  • Minimum Vesting Period:  None

  • Withdrawal Options:  Upon separation from service or retirement you have different payment options available depending on your age and years of participation in the Plan.  The Withdrawal Options are described under the Plan Highlights section in the Alternate Retirement Plan information available at www.CTdcp.com .

 Teacher's Retirement System

This is a governmental defined benefit plan intended to be qualified under section 401(a) of the Internal Revenue Code.  If your employment as a part-time employee is concurrent with employment as a public school teacher, you may elect to have your earnings treated as earnings subject to the Teachers’ Retirement System.  The employee contribution is seven and a quarter percent (7.25%) of their salary and is made on a pre-tax basis.  Earnings during summer employment do not apply.  See plan summary for more details.   TRS plan summary information is available on the Teachers Retirement Board’s website at http://www.ct.gov/trb/site/default.asp .

 Waive Retirement

Part-time employees covered by the collective bargaining agreement between the State and the Connecticut State University System – American Association of University Professors contract must participate in a retirement plan unless they irrevocably waive retirement plan membership for this and any subsequent part-time employment with the agency or with the Board of Governors of Higher Education or any other of its constituent unit.

 State of Connecticut Plan Comparison Chart

The State of Connecticut Plan Comparison chart provides a side by side comparison of key features of the four retirement plans described above.  The chart is available on the State of Connecticut Office of State Comptroller’s website at:  http://www.osc.ct.gov/rbsd/highered/optionsagcy.htm .

Dual Employment

Individuals who work for another State agency and currently participate in SERS, HYBRID, ARP, or TRS are not eligible to change their retirement plan as a result of accepting supplemental employment with the Connecticut State University System.

Returning Retiree Employment

Individuals who have retired from their State employment from the Connecticut State Employees Retirement System Tier plan, State Employees Retirement System Hybrid plan, the Alternate Retirement Plan, or State Teachers’ Retirement System are not eligible to rejoin a retirement plan.  Upon hire, please notify the Human Resources Department if you are a returning retiree.

If you would like more information please call Lisa Lengel in the Human Resources Department at 203-837-8666.

Please visit the Office of State Comptroller’s Office website for more information http://www.osc.ct.gov/ .

Enrollment Forms - please fill in all highlighted sections

Adjunct Retirement Form: CT State Employee Retirement System Tier III Plan Enrollment Form

Adjunct Retirement Form: CT State Employee Retirement System Hybrid Plan Enrollment Form

Adjunct Retirement Form: Alternate Retirement Plan Enrollment Form

Adjunct Retirement Form: Teachers Retirement System Enrollment Form

Adjunct Retirement Form: Waiver of Participation in a Retirement Plan Form

Adjunct Retirement Form: Returning Retiree Enrollment Form


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.  Supplemental Retirement - Tax Sheltered Annuity 403(b) and State Deferred Compensation 457 Plans

Employees can save extra money towards their retirement through a Tax Sheltered Annuity 403(b) and/or a Deferred Compensation 457 plan.  Both programs offer pre-tax and post tax (Roth) plans.

ING Financial Services manages both programs for the State of Connecticut employees.  Please see the State of Connecticut/ING website for information www.ctdcp.com, or call customer service at 800-584-6001.


VII. 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)
 

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