Summary of Staff Benefits

2015-2016

All Staff members with a Full time equivalency (FTE) rate of 0.5 or higher are considered Full-time status for the purpose of benefit administration. Medical, Dental and Vision insurance are administered through Ascension Benefits & Insurance Solutions, specific questions regarding insurance coverage for these benefits should be addressed to or Susan Whitney, Client Services Specialist at 925.407.0409.

Touro covers 75% of the medical premium and employees are responsible for 25% of the medical premium for themselves and their eligible dependents. Premiums are deducted from payroll with pre-tax dollars. For additional plan details on any of our benefits plans please review plan summary description.

Kaiser Permanente HMO
Co-pay Plan $15
Member Services:
1-800-464-4000
www.kp.org / *Must use Preferred Providers
Annual Out-of-Pocket Maximum - $1,500 per individual/$3,000 per family.
Lifetime Maximum – None
Professional Services - $15/visit
Kaiser Permanente HMO
Co-pay Plan $25 / *Must use Preferred Providers
Annual Out-of-Pocket Maximum - $1,500 per individual/$3,000 per family.
Lifetime Maximum – None
Professional Services - $25/visit
Kaiser Permanente
PHCS (PPO Plan) / *Must use Preferred Providers
Calendar-Year Medical Deductibles - $1,000 per individual/$2,000 per family.
Lifetime Maximum – None
Professional Services - $25/visit
VSP Vision
Member Services:
800.877.7195
www.vsp.com / Employees pay 100% of Vision insurance premium for themselves and their eligible dependents with pre-tax dollars.
Co-payment - $25 per year
Non-Participating Provider Benefits Reimbursement
Laser Vision Correction discount available.
*For additional plan details please review plan summary.
Assurant Dental
-PPO $2,000
-DHMO
Group # 12382
Member Services:
800.442.7742
www.assurantemployeebenefits.com / Employees pay 100% of Dental insurance premiums for themselves and their eligible dependents with pre-tax dollars.
PPO:
Coinsurance Percentage Adult & Child Orthodontia
Class I Preventive 100%
Class II Basic 100%
Class III Major 60% 50%
Class IV Orthodontia coinsurance 50% 50%
Lifetime orthodontia maximum $2000 $2000
Retirement 403(b) / Touro University has implemented a tax deferred savings program known as a 403(b) Retirement Savings Plan. On a pretax basis you may contribute from 5% up to a maximum amount determined annually by the IRS. Details about the Supplemental Retirement Account (SRA) and the Retirement Account (RA) Plans are as follows:
SRA – First of the month following the hire date all full-time employees are eligible to participate in the Supplemental Retirement Account (SRA) on a pre-tax basis. There is no contribution made by Touro at this time.
RA – After 18 months of full-time employment you are eligible to participate in the College Retirement Account (RA) on a pre-tax basis.
Eligible employees (Full Time; Part Time I administrative employees and Part Time II administrative employees)
Touro will make a matching contribution to employees who have completed 18 months of service, from date of hire, according to the formula below.
o If you defer 0-1%, Touro will not match
o If you defer 2%, Touro will match 2%
o If you defer 3%, Touro will match 3%
o If you defer 4%, Touro will match 4%
o If you defer 5% or more, Touro will match 5%
We offer the choice of two investment firms:
Fidelity Retirement Services
Questions: 1-800-343-0860
www.fidelity.com
Group #54561
Teachers Insurance Annuity Association/College Retirement Equities Fund (TIAA-CREF)
Questions: 1-800-842-2273
www.tiaa-cref.org
Group# K174
Flexible Spending Account / Full time employees of Touro College are eligible to enroll in the Flexible Spending Accounts. During open enrollment employees can designate an amount to be deducted from their salaries on a pre-tax basis to later receive reimbursement for Health Care or Dependant Care expenses. The plan year runs from July 1st thru June 30th.
Health Care – You may elect $100 to $2,500 for the plan year.
Dependent Care – You may elect $100 to $5,000 for the plan year.
Note: Employees will be able to roll over up to $500 if unused funds in the Medical Flexible Spending Account (only) to the next plan year.
Benefit Resources, Inc. (BRI). Enrollment will take place through a web portal www.BenefitResources.com
Qualified Tuition Remission / All full time Touro College employees including their spouse and children are eligible for employee scholarships that cover 100% of the tuition and fees at the undergraduate level, and 25% of the tuition and fees at the graduate or professional level for courses taken at Touro College or an affiliated university.
As a condition all students must file the federal application for student aid (FAFSA).
Please note that employees are limited to a credit load of 15 credits at the undergraduate level and 9 credits at the graduate or professional level.
Qualified Tuition Reduction / Full time employees of Touro College are eligible to participate in the Qualified Tuition Reduction program. The Qualified Tuition Reduction will be used to pay the tuition of the employee or the employee’s spouse or children at Touro or at another educational organization, as described in Section 170(b)(1)(A)(ii), for the education below the graduate level or, in the case of teaching or research assistants, at the graduate level as well. Tuition will be sent to the designated educational organization(s) in (12) twelve monthly installments.
Since gross income does not include the amount of the Qualified Tuition Reeducation, the employee’s wage base for payroll taxes and other employee benefit plans will not include the amount of the Qualified Tuition Reduction.
Vacation / Full time and part time employees accrue vacation on a bi-weekly basis. Vacation rolls over through the fiscal years. Vacation stops accruing when you reach a balance of 266 hours.
Full Time Staff accrue vacation based on the following rates:
Per Year (hours) Per Bi-weekly (hours)
1 - 5 76 2.92
6 - 10 114 4.38
11 years & beyond 152 5.85
On the completion of your 5th and 10th year you begin accruing at the next accrual rate.
Part Time Staff accrue vacation based on the following rates:
Per Year (hours) Per Bi-weekly (hours)
20-28 hour positions 48 1.85
29-37 hour positions 64 2.46
Personal Leave / Full time employees are credited with 22.80 hours personal leave at the beginning of each fiscal year (July 1st). Upon hire employees are credited with 22.80 hours of personal leave unless hired after January 1st in which case they are only credited with 11.40 hours of personal leave.
Personal leave hours do not accrue or roll over and must be used by June 30th or will be lost and reset to 22.80 hours on July 1st.
Part time employees are not eligible for Personal Leave hours.
Sick Leave / Full time employees are credited with 45.60 hours of sick leave at the beginning of each fiscal year (July 1st). Upon hire employees are credited with 45.60 hours of sick leave unless hired after January 1st in which case they are only credited with 22.80 hours of sick leave.
Sick leave hours do not accrue or roll over and must be used by June 30th or will be lost and reset to 45.60 hours on July 1st.
Unused sick leave hours can be converted into vacation time at the following conversion rate or can be equally transferred to the catastrophic leave bank if not used by June 30th.
Unused sick leave Conversion to Vacation
45.60 hours 22.80 hours
38 hours 15.20 hours
30.40 hours 7.6 hours
22.80 or fewer hours 0
Regular part time employees who work at least 20 hours per week are credited with sick time at the following rate:
Hours Worked Every WeekAnnual Sick Leave
20-28 hours every week16 hours per fiscal year
29-37 hours every week32 hours per fiscal year
Catastrophic Leave / Full-time staff employees can convert unused sick days into a catastrophic leave bank on a 1 for 1 basis. The catastrophic leave balance may be used if an employee or an immediate family member is seriously injured or has a serious illness as, determined by New York.
Paid Holidays / Touro University observes the following annual holidays:
New Year’s Day
Martin Luther King Day
Presidents Day
Passover
Memorial Day
Shavuot
Independence Day
Labor Day
Rosh Hashanah
Yom Kippur
Sukkoth
Thanksgiving
Floating Holiday
Note: A holiday schedule is distributed annually to all employees every December with the exact holiday dates.
Bereavement / 5 Days – Loss of a spouse, parent, step-parent, grandparent, child, step-child, grandchild, or sibling.
2 Days – Loss of employee’s spouse’s parent, step-parent, grandparent or sibling.
Jury Duty / Full time employees are paid up to 21 days (within a two year period) for time spent completing Jury service.
Leave Without Pay / Employees out on a qualified leave will be subject to leave without pay once they have exhausted all available vacation, sick, and personal time.
Employee Assistance Program / Employees may contact the EAP program and speak, at no cost, with a trained counselor who can provide guidance, information and/or referrals to local service providers, including licensed mental health professionals. EAP counselors can help you with personal, work or family challenges that are troubling you and may be having a negative impact on your work performance.
Call 1-800-999-7222 opt 1 for English, opt 2 for Care
24 hours a day, 7 days a week, or
logon to www.AnthemEAP.com
Password: touro admin
Life Insurance & Accidental Death & Dismemberment / Basic Life Insurance – All full-time employees of Touro College are enrolled in a Basic Life Insurance plan through The United States Life Insurance Company. The Basic Life Insurance entitles the beneficiary of your choice to one time your annualized salary to a maximum $250,000 upon your death. This benefit is provided without charge to the employee.
Supplemental Life Insurance – Full-time employees have the option of purchasing Supplemental Life Insurance up to three times your annualized salary to a maximum of $1,500,000 combined Basic and Supplemental. Eligibility requirements apply.
Note: Employees are eligible for insurance on the first day of the month after completing three months of full-time employment.
Long Term Disability / Long term disability is administered by the United States Life Insurance Company. Long-term disability benefits start after 26 weeks, or six consecutive months, of total disability. Documentation form a licensed physician stating the medical reasons you are unable to work and the appropriate length of time during which you will be disabled must be provided. Benefits under the plan are equal to 50% of the base monthly salary, up to $7,000 a month. Long-term disability payments are fully taxable. This benefit is provided without charge to the employee.
Workers Compensation
The Hartford
Policy #
13WEBQ8428 / Workers Compensation claims are administered by The Hartford.
If you are injured on the job and the injury is NOT an emergency please visit/contact Concentra Medical Center immediately:
Concentra Medical Center
2970 Hilltop Mall Road, Suite 203
Richmond, CA 94806
(Location hours: 8:00am-5:00pm)
Phone: (510) 222-8000
Fax: (510) 222-2690
After hours phone: (510) 243-6927
In case of emergency, or after hours:
Sutter-Solano Medical Center
300 Hospital Drive
Vallejo, CA 94589
(707) 554-4444