STCC HR & EBOC - Benefits Information

Springfield Technical Community College is pleased to offer benefited employees the option of a variety of insurance choices. As a potential employee or current employee, please take a few minutes to read about the various benefits offered and links to important websites for further information. As always, you can contact a member of the EBOC team to answer any questions you may have.

Offered through the Group Insurance Commission (GIC)

Health Insurance

Through the GIC, a variety of health insurance plans are offered for eligible employees, employees spouse, and dependent children (up to the age of 26 where applicable by law).

Employees hired after June 30, 2003, regardless of salary, pay 25% of the monthly premium, which various depending on plan chosen.

Coverage begins on the first day of the month, following 60 calendar days from the date of employment.

Basic Life Insurance

For a low cost premium, a $5,000 term life insurance plan is offered to benefit eligible employees. Employees that elect health insurance coverage are automatically covered by the basic life insurance.

Optional Life Insurance

This employee-pay-all benefit is offered to provide economic support for your family. This term insurance allows you to increase your coverage up to eight times your annual base salary. Term insurance covers you and pays your designated beneficiary. This policy has no cash value. Further, the life insurance is not an investment policy. Lower rates are provided for employees who are non-smokers for a least one full year. Changes to your smoker status may be changed at each annual open enrollment, effective for July 1st.

You must have Basic Life Insurance to enroll in Optional Life Insurance. The monthly premium is determined by your age and base salary.

For complete information on enrolling in Optional Life Insurance

Long Term Disability Insurance

Another employee-pay-all benefit that would provide a tax-free income replacement payment of up to 55% of gross monthly salary after a qualified illness or injury. Benefits begin after the covered employee is disabled for 90 consecutive days. Benefit payments will be reduced by other income sources. The monthly premium is based on your age and base monthly salary.

For additional information on Long Term Disability

Health Care Spending Account

Eligible employees can pay for out-of-pocket health care expenses not covered by a medical or dental plan through pre-tax deductions. For the 2014 year, participants can contribute from $500 to $2,500 through your payroll deductions. There is a small administration fee paid per month also.

Dependent Care Assistance Program

Eligible employees can pay for qualified dependent care expenses, such as day care, after-school programs, elder day care, and day camp, on a pre-tax basis. Annual elections can be up to $5,000. There is a small administration fee paid per month also.

Retirement Information

The Commonwealth of Massachusetts and the Department of Higher Education offer a number of ways to prepare for retirement. All eligible employees are offered the State Employee Retirement System (SERS). New Full-time Faculty, MCCC Unit Professionals, and Non-Unit Professionals are also given the choice to enroll in the Optional Retirement Program (ORP) instead of the SERS.

State Employee Retirement (SERS)

The State Employee Retirement System (SERS) is a contributory, defined benefit retirement system administered through the State Board of Retirement and governed by Massachusetts General Laws, Chapter 32. SERS provides not only retirement benefits, but also disability, survivor and death benefits to members and their beneficiaries. Membership is mandatory for all benefited employees. The amount of an employees pre-tax contribution is 9% of regular salary and an additional 2% of regular salary in excess of $30,000.

For specific information on SERS

Optional Retirement Plan (ORP)

New benefited faculty, MCCC Unit Professionals, and Non-Unit Professionals are eligible to enroll with the Optional Retirement Plan if they are not vested in the SERS. The Department of Higher Education administers the Optional Retirement Plan (ORP). The ORP is a defined contribution plan that provides income based on the investment performance of your individual account balance that you decide how it is invested. The employees pre-tax contribution is 9% of regular salary and an additional 2% of regular salary in excess of $30,000. Participants are able to choose from ORP providers. As of 2014, Fidelity, TIAA-CREF and Valic are the approved vendors. This is subject to change. Each eligible new employee has 180 days to decide between SERS and ORP. Please know that once a decision has been made, it is irrevocable.

For specific information on ORP

Social Security

Commonwealth of Massachusetts state employees do not have Social Security taxes withheld from their earnings. (Medicare is taken out.) Employees retiring with a state pension who are also eligible for Social Security benefits may have their Social Security Benefits reduced by Social Securitys Windfall Elimination Provision (WEP) and/or Government Pension Offset (GPO).

For specific information on WEP

For specific information on GPO

Deferred Compensation Plan The Smart Plan - 457

Under Internal Revenue Code Section 457(b), this plan allows employees to put aside additional pre-tax payroll earnings for retirement. Employees are allowed to participate in this plan at any time. IRS annual limits do apply. The plan is administered by Great West.

To enroll in the Smart Plan

Tax Sheltered Annuity 403(B)

Under Internal Revenue Code Section 403(b), this plan allows employees to put aside additional pre-tax payroll deductions for retirement. Employees are allowed to participate in this plan at any time. IRS annual limits do apply. The Department of Higher Education currently contracts with several vendors.

For more information on the 403b plans, please contact a member of EBOC.

For specific information on Commonwealth Tax & Deferred Savings Plan

Dental Insurance/Vision Coverage

Non-Unit Professional Employees: New employees and their eligible dependents are eligible for coverage with MetLife on the first day of the month following 60 calendar days from the date of employment. Monthly dental premiums are $22.80 individual/$45.60 family per month. As a companion to the dental plan, Met2020 saves employees and their eligible dependents on regular eye exams, as well as provides discounts on eyewear at participating providers nationwide.

Faculty and Unit Professional Employees (MCCC): New employees and their eligible dependents are eligible for coverage with MetLife following 180 days of employment. As a companion to the dental plan, Met2020 saves employees and their eligible dependents on regular eye exams, as well as provides discounts on eyewear at participating providers nationwide.

Classified Employee (AFSCME): New employees and their eligible dependents are eligible for coverage with Delta Dental beginning on the first day of the month following six months of employment. There is no monthly premium for this benefit. As a companion to the dental plan, unit members and their eligible dependents can receive coverage for routine eye exams and eyewear from either Davis Vision Provider Network Plan or the Alternative Vision Plan. For additional information, please contact your Union Steward.

Miscellaneous Benefits

Employee Assistance Program Higher Ed EAP, a division of ESI

Higher Ed EAP provides employees and their household member with a variety of ways to improve work/life balance. Whether you are looking for information on classroom management help, to finding a new child care provider, Higher Ed EAP can assist you. In addition, the Employee Assistance Program provides you and your family with confidential professional assistance to help resolve issues that are affecting your life or your work. If you are facing family, financial, stress, substance abuse or any other personal problem, you can call EAP. There is no cost to you! All calls are confidential.

To connect with Higher Ed EAP 1-800-252-4555 or 1-800-225-2527.

For online tools for a variety of areas, like creating a will, go to www.HigherEdEAP.com

Fitness Center Building 2

With your Ram Card, you are able to utilize our recently opened Fitness Center. Hours and days vary during the year so please check with the Center for up-to-date information.

Paid Time Off refer to your handbook or collective bargaining agreement for complete details

Holiday Time - Benefit eligible employees are eligible for 11 holidays: New Years Day, Martin Luther King Day, Presidents Day, Patriots Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day and Christmas Day

Personal Time - Up to three personal days may be given to new hires at time of hire and annually based on their employment classification. Personal time is not paid out at end of employment.

Sick Time - Up to 15 days of sick leave is earned during a calendar year. Unused sick leave accumulates with no maximum. Sick time is not paid out at end of employment. Sick leave is bought back at 20% of sick leave total at retirement only.

Vacation Time - Not available to all benefited employees. Accrued per the collective bargaining agreements or Non-Unit Professional handbook and varies based on your years of service. Unused vacation accumulates with a maximum of 64 days. Vacation, up to the maximum, is paid out at end of employment.

Parking

As an employee, you have access to free, on-campus parking. If you have questions regarding parking, please contact Genesis Arekeria , our parking clerk, at parking@stcc.edu.

Additional Discounts

Through the Student Activities Department, employees are able to purchase discount movie passes and participate in various sponsored trips. Please stop by the Student Activities and Development Office, located in Bldg. 17, 1st Floor, for more information.

Important Information on Affordable Care Act

The Federal Affordable Care Act (ACA) requires that all employees receive this notice to help them understand health insurance Marketplaces, which were set up to make it easier for consumers to compare health insurance plans and enroll in coverage. In Massachusetts, the state Marketplace is known as the Massachusetts Health Connector. Please take a look at the Market Place Notice for Complete Information.

Notice of Affordable Care Act

Affordable Care Act Health Insurance Marketplace Question and Answer

This website page is for informational purposes only and does not guarantee benefits.