Enrollment Opportunities

Date of hire: You may enroll at the date of hire.
Open Enrollment: You may enroll or make changes during the open enrollment period each fall.
Qualifying life event: You may also enroll or make changes if you have a qualifying life event change and provide the necessary documentation. Qualifying life events include marriage, birth, adoption, death, divorce, or adding dependents.

Insurance Cards

After you have enrolled in health, dental, and/or vision insurance coverage, you will be mailed an insurance card for each type of coverage. Health, Dental, and Vision insurance cards come from Anthem Blue Cross Blue Shield. For those enrolled in the Traditional Insurance plan, prescription insurance cards come from Express Scripts. For those enrolled in the HDHP, you will use your Anthem Blue Cross Blue Shield card for prescriptions.

Medical Insurance Plans

The diocese offers two different medical plans. Both plans are preferred provider organizations (PPO) through Anthem Blue Cross Blue Shield. A PPO plan provides discounts on your charges, lowering your out-of-pocket expense.

1. Traditional Plan with lower deductibles and out-of-pocket maximums.
2. High Deductible Health Plan with a Health Savings Account (HDHP/HSA) with lower monthly premiums and a higher deductible. Includes a health savings account, to which the diocese contributes annually.

For information on plans that are offered, click here to view “Benefit Details at a Glance.”

Prescription Coverage

1. With the Traditional Plan, prescription coverage is through Express Scripts. There are co-pay amounts depending on if your prescription is filled with a generic or a name-brand drug. If you are on a maintenance drug, you can fill at the retail pharmacy three times, and then you must do a 90-day mail order.
2. Under the HDHP, coverage is through Anthem and the charges are applied to your deductible. Once satisfied, you pay 20% at the retail pharmacy or 20% for mail order. Mail order coverage is through Ingeniorx.

FAQ

Q: How do I find a provider?
A: To find a provider through your internet browser, visit anthem.com/find-care. Anthem also offers the Sydney Health App, making it easy to find doctors near you, get important information about benefits and claims, track your progress toward health goals, and more: sydneyhealth.com. Available in the App Store and Google Play.

Q: Is there a discount for employees who participate in an annual health screening?
A: Eligible employees who are enrolled in one of the diocesan medical insurance plans may participate in an annual CHC Wellness Benefit, which consists of an annual wellness screening. Participating employees are given a yearly incentive of $240 off their premium. All screening information is confidential. Health coaching, financial well-being, webinars, and nutrition trackers are all available once enrolled through CHC Wellbeing.

Q: Am I covered nationally and internationally with these health insurance plans?
A: Yes.

Dental

The diocese offers dental insurance through Anthem Dental Essential Choice. Click here to view a summary of benefits. For information on how to find a dental provider, click here.

Vision

The diocese offers vision insurance through Anthem Blue View Vision. Click here to view a summary of benefits.

FAQ

Q: With dental and vision plans, do I have to choose a provider in a network?
A: Anthem Dental PPO and Dental Blue View Vision work like the medical PPO plans, so staying in-network will provide lower out-of-pocket expenses for covered charges.

Q: What is a 403B and who administers it?
A: This is a 403b tax-deferred annuity for non-profit organizations. It is administered by Fidelity.

Q: What does the diocese contribute?
A: The diocese contributes 2% of your gross wages every pay period. Employees also have the option of contributing a percentage of their pay. If the employee contributes at least 3%, the diocese will contribute another 1% to the account

Q: Can I control where my salary deferral and employer contribution are invested?
A: Yes

Q: Can I roll other approved accounts into this 403B?
A: Yes

Q: Does the money remain mine if I leave employment with the diocese?
A: Yes

Dependent Care Flexible Spending Account

A Dependent Care Flexible Spending Account allows you to set aside pre-tax dollars to pay for eligible dependent care out-of-pocket expenses. This includes traditional daycare, before and after-school programs, day camps for children under age 13, and adult daycare. The plan runs January-December, and funds expire at the conclusion of the plan year. Maximum account amounts are shown under each category on the benefits enrollment platform at the time of enrollment.

Medical Flexible Spending Account

A Health Savings Account is offered in conjunction with a HDHP health insurance plan and allows you to contribute pre-tax money from your regular earnings to pay for qualified medical expenses for you and your family members. The diocese contributes $1400 per year for those enrolled in an “Employee Only” HDHP/HSA plan. The diocese contributes $2400 per year for those enrolled in a HDHP/HSA plan with a spouse, child, or as a family. Employees choose any additional funds to contribute.

The following benefits are at no cost to the employee and cannot be declined.

Long-term disability insurance

Long-term disability insurance is offered at no cost to the employee. You must be completely disabled from performing the job that you were hired to do. There is 180 day waiting period before benefits begin. The benefit is 60% of your monthly earnings.

Accidental Death insurance

Accidental Death insurance is offered at no cost to the employee. The benefit is up to one times the employee’s annual earnings. Benefits are payable when covered injuries result in loss within 365 days after the date of the accident.

General Liability Insurance

General Liability Insurance protects all teachers from acts performed within the scope of their duties and is offered at no cost to the employee. This includes damage to property and bodily injuries.

Basic Life Insurance

The diocese offers benefit-eligible employees term life insurance at no cost to the employee. This is one times the employee’s annual earnings. Upon leaving the diocese, this can be converted to a single policy. This must be done within 30 days.

Supplemental Life Insurance

Supplemental life insurance is offered at one times the employee’s annual earnings. The employee pays a small premium for coverage – you can calculate this using your contract amount x .000153, x 12 months, divide by 24 – that will be the amount per pay deducted from your check for this coverage. If you do not enroll in this when you are hired, you will need to wait until open enrollment and an Evidence of Insurability (EOI) will need to be completed and approved. Supplemental Life Insurance is provided by UNUM.

Supplemental Life Insurance

Full-time employees can enroll in Dependent Life Insurance, provided by Unum, for $10,000 of coverage per dependent.

Short-term Disability Insurance

Short-term disability insurance is a voluntary benefit offered to employees. Coverage amount is 60% of your weekly income up to a maximum benefit of $1,500 per week. You are eligible if a covered illness or injury keeps you from working. There is a 14-day elimination period. You can receive payments up to 24 weeks if you remain disabled. Supplemental Life Insurance is provided by UNUM.

Legal Insurance

Legal Insurance is a voluntary benefit. You will have access to a national network of attorneys with exceptional experience that are matched to meet your needs. There is in and out-of-network coverage. Coverage includes a concierge to help navigate common individual or family legal issues. Legal Insurance is provided by LegalEASE.

Identity Theft Protection

Identity Theft Protection is a voluntary benefit that offers two levels of coverage – employee or employee/family. Includes comprehensive identity monitoring, fraud remediation and restoration, and identity theft reimbursement. Identity Theft Protection is provided by Allstate.

Worker’s Compensation covers work-related injuries, and any medical charges incurred are paid at 100%. This does not get filed with your medical carrier. Employees are to report any work-related injury immediately to your supervisor even if you do not seek medical attention. No injury is too small to report.

Unemployment is offered to any employee whose position was eliminated through no fault of their own. Teachers are not eligible to apply for unemployment during the summer months because as a teacher, that is a normal break in your work schedule.

Q: When am I paid?
A: Employees are paid bimonthly on the 15th and last day of the month. These days are adjusted to the business day before should these dates fall on a weekend or holiday.

Q: How am I paid?
A: All pay is distributed via direct deposit to the account information provided by the employee. Upon deposit, a record of the direct deposit is sent via email.

Q: When will I receive my W2?
A: W2s are issued by the diocese via mail by January 31 of each year.

Payroll is managed by the Business Office. Additional questions can be directed to Sheryl Lee, Payroll Administrator, at [email protected] or 260-399-1430