Employment

Employee Benefits

Employee HandbookEmployee Benefits for Full-time Employees of Cowley College

Sick Leave:

 12 days per year (1 day per month)

Vacation:

 Staff - 10 days until 10 years, then 15 days
Directors - 15 days
Administrators - 20 days
Faculty - 0 days

Retirement:

 KPERS Retirement System

125 Cafeteria Plan:

(Pre-Tax Deductions)

Health insurance; dental insurance; salary protection; cancer insurance; dependent care; medical reimbursement

Option Insurances:

Term life insurance; cancer; vision; long-term care

Credit Union:

Available

403b Plans:

Specific plans available

Holidays:

Minimum 19 days (faculty more)

Benefit Amount:

All full-time employees are given $540 per month on top of their salary to assist in paying for benefits.

Health & Dental:

Plan year starts September 1st. See below for specific plan information.
Mandatory To Take Health and Dental Insurance (Single)

Health Insurance Plan

Benefit

 High Option Low Option HDHP & HSA

 

Office Visit Copayment

 

 $30 N/A N/A
Out-Patient Lab & X-ray 100% up to $300 per person per year, then deductible and
coinsurance		 Covered subject to deductible & coinsurance

Covered subject to deductible & coinsurance

 
Plan Year Deductible      
Per Person   $500 $1,000 $3,000
Per Family   $1,500 $3,000

$6,000

 
Coinsurance 20%* 20%*

100%*

 
Out of Pocket Limit
(Deductible & Coinsurance) 		     
Per Person   $1,500 $2,000 $3,000
Per Family   $4,500 $6,000

$6,000

 
Maximum Out of Pocket Limit incl. Ded, Coins, OVC and RX      
Per Person   $6,350 $6,350 $3,000
Per Family
(Same as prior years)

 

   $12,700 $12,700

$6,000

 
Prescriptions      
Generics   $20 Covered subject to Prescriptions Subject
Formulary   $40 or 30% of brand
drugs up to $200

 

 deductible and coinsurance to the Deductible
Name Brand   $60 or 30% of brand
drugs up to $200

 

    
Mail Order  

$50/$100/$150 or 30%
of brand drugs up to $500

 

    

Emergency Room

 

 $100 copay then ded/coins (waived if admitted) $100 copay then ded/coins (waived if admitted)

 

 Deductible and Coinsurance

Approved HCA
Preventative Care

 

 100% 100% 100%

Lifetime Maximum

 

 Unlimited Unlimited Unlimited

Eligible Children

 

 Covered to age 26 Covered to age 26 Covered to age 26

Monthly Employee Cost:

      
Employee* $487.69 $462.84 $400.97
Employee & Family* $577.95 $537.52 $492.63

*Includes $5.75 for Teladoc

 
Dental Insurance Plan
Single Dental   $34.47 $34.47 $34.47
Family Dental   $72.12 $72.12 $72.12

 

      

Employee Medical Cost: Less $540 Employer contribution

 

Employee: ($52.31)
Employee & Family: $37.95

Employee: ($77.16)
Employee & Family: $2.48

Employee: ($139.03)
Employee & Family: $47.37

 

*At non-preferred providers you will be responsible for an additional 20% penalty and for the difference between what the non-preferred provider charged and what the preferred provider would have accepted. In addition the payment will be made directly to you and you will be responsible for paying the provider.

 

Dental Benefits
$1,500 Maximum Benefit
$25/Individual; $75/Family Combined deductible for Primary & Major Services
Preventive – 100%
Primary & Major Services – 50% (major services subject to a 240-day waiting period for new hires)

 

A FEW IMPORTANT NOTES ABOUT YOUR HIGH DEDUCTIBLE HEALTH PLANS AND HSAs

  • The maximum allowable HSA contributions for 2018: $3,450 for Single and $6,850 for Family.
  • The maximum allowable HSA contributions for 2017: $3,400 for Single and $6,750 for Family.
  • If you participate in the Health Savings Account, you may not contribute to the Flexible Health Care Spending Account.
  • You must be covered by a High Deductible Health Plan to have an HSA.

 

American Fidelity — Benefits and Services

American Fidelity benefits and services linkEveryone deserves to have peace of mind, and the employee benefits provided through your employer can help you get there. Here at American Fidelity Assurance Company (American Fidelity), we understand one size does not fit all – that’s why we design our insurance plans and benefit programs to fit the different lifestyles and needs of our customers.

Click here for more information on American Fidelity benefits and services

 

EMPAC (Employee Assistance Program)

A free benefit for all employees and those members of their household.  EMPAC provides professional assistance, counseling, and education to help employees and their children live to the fullest. 24/7. 

Call: 1-800-234-0630

Confidential One-on-One Counseling

  • Family and Parenting
  • Life event changes
  • Marital and relationship issues
  • Addictions
  • Self-esteem concerns
  • Grief and loss
  • Stress, depression and anxiety
  • Work-related concerns
  • School concerns
  • Divorce recovery

Money Management

Legal Assistance

Dependent Care Referrals

  • Helping find licensed, affordable care
  • Eldercare
  • Long distance care giving
  • Referrals for appropriate care
  • Helping dependents with special needs