Employee Service Manual

Benefits at a Glance - Clerical

The benefit information provided below is a summary of the benefit information provided in the current Collective Bargaining Agreement (CBA) between the College and Union Representation for Clerical Employees.  Union employees should consult the CBA for specific details.

Health Insurance:

You may choose between the 0002 Blue Cross Blue Shield (BCBS) Community Blue PPO plan or the 0003 BCBS Community Blue PPO plan.  The College pays the single subscriber premium for the 0002 plan.  The 0002 plan has a $500/single, $1000/family, annual deductible with a 80%-20% co-insurance split of the approved amount for in-network providers.  The 0003 plan has a $1500/single, $3000/family annual deductible with an 80%-20% co-insurance split of the approved amount for in-network providers.  The College will contribute up to 50% of the dependent premium and you pay the remainder to insure any dependents.

Rx:

The above medical plan includes prescription drug coverage. The 0002 plan has $10/$20/$40 co-pays per generic/formulary brand name/non-formulary brand name prescription. The 0003 plan has $10/$40 co-pays per generic/brand name prescription. A mail order program is also available.

Dental Insurance:

The dental plan is with BCBS has a $100 deductible and 90%-10% co-insurance on basic services and 50%-50% on other services. $1000 maximum benefit per year for each participant. The College pays the single subscriber premium.

Vision Insurance:

This is a  voluntary, 100% employee paid vision care program. Covers one complete eye exam in any 12 consecutive month period with a $10 copay (VSP network doctor). Prescription glasses (lenses and/or frames) a combined $25 copay. Covers lenses once every 12 months and frames once every 24 months. Medically necessary contact lenses $25 copay.

Disability:

The Short Term Disability (STD) plan is offered through The Standard, a third-party provider.  Effective July 1, 2009 you may be paid $300.00/week less taxes. STD is payable for up to 26 weeks after a 14 day wait period.

Long Term Disability (LTD) picks up after STD ends, if you are still disabled. With terms and conditions met, LTD pays 60% of your salary. One year waiting period to participate.

Life Insurance/AD&D:

Group Life insurance ($50,000) and Accidential Death and Dismemberment insurance ($50,000) is provided at no cost to the employee.  The Standard is the current plan carrier. See details in the CBA.

Retirement:

The College offers a 403(b) Retirement Annunity (RA) plan administered by  Teacher’s Insurance and Annuity Association/College Retirement Equities Fund (TIAA/CREF). There is a two year wait for participation eligibility. When enrolled in the plan, you will contribute 1% of your taxable gross earning (mandatory) with the College contributing 6%. Includes waiver of premium if you are totally disabled.  The College also offers a Supplemental Retirement Annuity (SRA) plan also administered by TIAA/CREF.

Flexible Benefits (Section 125 Reimbursement Program):

You may elect salary reduction (pre-tax) for non-insured medical expenses and/or dependent care expense.

Tuition Remission and Exchange:

This superb benefit is available, under certain guidelines, for employees and qualified dependents. See details in the CBA.

Employee Assistance Program:

The College contracts with Behavioral Health Resources (BHR) for confidential assistance with everyday issues: marital, family, grief counseling, physical health, emotional health, elder care, substance abuse, financial counseling, and job stress.

Supplemental Income Insurance - Aflac:

There are two products offered – an Accident/Injury plan and a Critical Illness plan. The AFLAC products do not replace any existing benefit. It is an additional voluntary benefit offered at a group rate which is paid 100% by the employee.

Holiday, Medical and Vacation Pay:

The College recognizes most major holidays and provides paid vacation to all individuals covered by the CBA. Vacation must be used in the fiscal year awarded or it is lost.  Associate members may earn 1 day of medical pay per month.  Medical pay may be accumulated up to a maximum of 65 days.  Please see the CBA for details for allocation and usage.

For more information, please contact Human Resources at (517) 629-0205 or .

Benefits at a Glance - Facilities

The benefit information provided below is a summary of the benefit information provided in the current Collective Bargaining Agreement (CBA) between the College and Union Representation for Facilities Operations Employees. Union employees should consult the CBA for specific details.

Health Insurance:

You may choose between  the 0002 - Blue Cross Blue Shield (BCBS) Community Blue PPO plan or the 0003 BCBS Community Blue PPO plan.  The College pays the single subscriber premium for the 0002 plan.  The 0002 plan has a $500/single, $1000/family, annual deductible with a 80%-20% co-insurance split of the approved amount for in-network providers.  The 0003 plan has a $1500/single, $3000/family annual deductible with an 80%-20% co-insurance split of the approved amount for in-network providers.  The College will contribute up to 50% of the dependent premium and you pay the remainder to insure any dependents.

Rx:

The above medical plan includes prescription drug coverage. The 0002 plan has $10/$20/$40 co-pays per generic/formulary brand name/non-formulary brand name prescription. The 0003 plan has $10/$40 co-pays per generic/brand name prescription. A mail order program is also available

Dental Insurance:

The dental plan is with BCBS has a $100 deductible and 90%-10% co-insurance on basic services and 50%-50% on other services. $1000 maximum benefit per year for each participant. The College pays the single subscriber premium.

Vision Insurance:

This is a voluntary, 100% employee paid vision care program. Covers one complete eye exam in any 12 consecutive month period with a $10 copay (VSP network doctor). Prescription glasses (lenses and/or frames) a combined $25 copay. Covers lenses once every 12 months and frames once every 24 months. Medically necessary contact lenses $25 copay.

Disability:

The Short Term Disability (STD) plan is offered through The Standard, a third-party provider Effective July 1, 2009 you may be paid $300.00/week less taxes. STD is payable for up to 26 weeks after a 14 day wait period

Long Term Disability (LTD) picks up after STD ends, if you are still disabled. With terms and conditions met, LTD pays 60% of your salary. One year waiting period to participate.

Life Insurance/AD&D:

Group Life insurance in the amount of $50,000.  Accidential Death and Dismemberment insurance in the amount of $50,000.  The Standard is the current plan carrier.

Retirement:

The College offers a 403(b) Retirement Annunity (RA) plan administered by Teacher’s Insurance and Annuity Association/College Retirement Equities Fund (TIAA/CREF). There is a two year wait for participation eligibility. When enrolled in the plan, you will contribute 1% of your taxable gross earning (mandatory) with the College contributing 6%. The College also offers a Supplemental Retirement Annuity (SRA) plan also administered by TIAA/CREF.

Flexible Benefits (Section 125 Reimbursement Program):

You may elect salary reduction (pre-tax) for non-insured medical expenses and/or dependent care expense.

Tuition Remission and Exchange:

This superb benefit is available, under certain guidelines, for employees and qualified dependents. See details in the CBA.

Employee Assistance Program:

The College contracts with Behavioral Health Resources (BHR) for confidential assistance with everyday issues: marital, family, grief counseling, physical health, emotional health, elder care, substance abuse, financial counseling, job stress.

Supplemental Income Insurance - Aflac:

There are two products offered – an Accident/Injury plan and a Critical Illness plan. The AFLAC products do not replace any existing benefit. It is an additional voluntary benefit offered at a group rate which is paid 100% by the employee.

Holiday, Medical and Vacation Pay:

The College recognizes most major holidays and provides paid vacation to all individuals covered by the CBA. Vacation must be used in the fiscal year awarded or it is lost. Associate members may earn 1 day of medical pay per month. Medical pay may be accumulated up to a maximum of 65 days. Please see the CBA for details for allocation and usage.

For more information, please contact Human Resources at (517) 629-0205 or .

Benefits at a Glance - Salaried Full-Time

Health Insurance:

You may choose between the 0002 Blue Cross Blue Shield (BCBS) Community Blue PPO plan or the 0003 BCBS Community Blue PPO plan.  The College pays the single subscriber premium for the 0002 plan.  The 0002 plan has a $500/single, $1000/family, annual deductible with a 80%-20% co-insurance split of the approved amount for in-network providers.  The 0003 plan has a $1500/single, $3000/family annual deductible with an 80%-20% co-insurance split of the approved amount for in-network providers.  The College will contribute up to 50% of the dependent premium and you pay the remainder to insure any dependents

Rx:

The above medical plan includes prescription drug coverage. The 0002 plan has $10/$20/$40 co-pays per generic/formulary brand name/non-formulary brand name prescription. The 0003 plan has $10/$40 co-pays per generic/brand name prescription. A mail order program is also available.

Dental Insurance:

The dental plan is also with BCBS and has a $100 deductible and 90%-10% co-insurance on basic services and 50%-50% on other services. $1000 maximum benefit per year for each participant. The College pays the single subscriber premium.

Vision Insurance:

This is a voluntary, 100% employee paid vision care program. Covers one complete eye exam in any 12 consecutive month period with a $10 copay (VSP network doctor). Prescription glasses (lenses and/or frames) a combined $25 copay. Covers lenses once every 12 months and frames once every 24 months. Medically necessary contact lenses $25 copay.

Disability:

The Short Term Disability (STD) plan is self-insured. You are covered in a step plan, depending upon your length of service with the College. STD is payable for up to six months. Long Term Disability (LTD) picks up after STD ends, if you are still disabled. With terms and conditions met, LTD pays 60% of your salary. One year waiting period to participate.

Life Insurance/AD&D:

Two times your annual salary, at no cost to you unless the volume exceeds $50,000, then the IRS will tax you on the excess premiums. You may cap your benefit at $50,000, if applicable. Accidental Death & Dismemberment doubles the life insurance benefit (resulting in a total of two times the life inurance amount) to your beneficiary if you die by accident.

In addition to providing life insurance the College will continue salary payments to the spouse of a deceased faculty member or administrative employee for a period of three months following the month of death and pay the premium for medical insurance coverage for covered dependents of a deceased faculty member or administrative employee for a limited period of time.

Retirement:

The College offers a 403(b) Retirement Annunity (RA) plan administered by Teacher’s Insurance and Annuity Association/College Retirement Equities Fund (TIAA/CREF). There is a two year wait for participation unless you qualify for a wait period waiver. When enrolled in the plan, you will contribute 6% of your salary (mandatory) with the College contributing 6.3% on the first $15,700 of your annual salary and 12% thereafter. Includes waiver of premium if you are totally disabled.  The College also offers a Supplemental Retirement Annuity (SRA) plan also administered by TIAA/CREF.

Flexible Benefits (Section 125 Reimbursement Program):

You may elect salary reduction (pre-tax) for non-insured medical expenses and/or dependent care expense.

Tuition Remission and Exchange:

This superb benefit is available, under certain guidelines, for employees and qualified dependents. See details in the Employee Services Manual.

Employee Assistance Program:

The College contracts with Behavioral Health Resources (BHR) for confidential assistance with everyday issues: marital, family, grief counseling, physical health, emotional health, elder care, substance abuse, financial counseling, job stress.

Supplemental Income Insurance - Aflac:

There are two products offered – an Accident/Injury plan and a Critical Illness plan. The AFLAC products do not replace any existing benefit. It is an additional voluntary benefit offered at a group rate which is paid 100% by the employee.

Holidays and Vacations:

The College recognizes most major holidays and provides paid vacation to all full-time salaried staff.

For more information, please contact Human Resources at (517) 629-0205 or .

Dental

The College offers a single dental plan for all full-time faculty and administrative employees as well as all Union employees.

Deductible:

  • The individual member deductible is $100
  • The family deductible is $200
  • There is no deductible for Class I or Class IV services. When you receive covered Class II or III services, you must pay a deductible before payment will be made for these benefits.

Co-pays:

 
Class of  Service: Coverage Pays: Your Copay
Class I - Preventative Services 90% 10%
Class II - Restorative Services 90% 10%
Class III - Denture & Bridges 50% 50%
Class IV - Orthodontics Services 50% 50%


Dollar Maximums:

  • $1000 annually for Class I, II and III services combined
  • $1000 lifetime for Class IV (orthodontic) services

Every effort is made to provide accurate information. However, this is not a guarantee of payment. Treatment will be rendered based on BCBS's payment liability, we recommend you request a predetermination for your treatment plan prior to having any services rendered.
Blue Cross Blue Shield of Michigan (BCBS PPO participants)

Customer Service Information:

Monday – Friday 8:30 a.m. to 5:00 p.m.
1-800-258-8000

Please send all correspondence to:

Blue Cross Blue Shield of Michigan
Costumer Service Center

P.O. Box 2888
Detroit, MI 48231

Web Page:

www.bcbsm.com

Looking for a provider that participate with BCBS:

http://www.bcbsm.com/directories

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