Medical Insurance

Coverage for full-time (over 30 hours per week) employees is effective the day that they start employment with Simpson University. Each eligible employee will be covered under the plan.

The Simpson University plan is a partially self-funded plan that pays for covered items including office visits to any Blue Cross Prudent Buyer PPO network provider with a $20, $30 or $40 office visit co-payment; up to 24 visits per year to network chiropractors; $100 co-payment for Emergency room visit (waived if admitted to the hospital); lab work or x-rays have no co-payment; no co-pay for inpatient and outpatient hospitalization. This plan also pays up to 70% on out of network providers for most services. Please refer to the schedule in your Simpson University benefits plan summary provided by InterWest Insurance Services (broker) for further detail.

Dental Insurance

Dental coverage for full-time employees becomes effective on the first day of employment with Simpson University. Simpson University self-funds this dental program and it is administrated by HealthComp. There is an annual deductible of $50 per person, $150 per family. Preventative services are paid at 100% and basic services are paid at 80% of usual and customary charges. Major services (i.e. bridges, crowns, inlays and dentures) are paid at 50%. The maximum amount paid per year is $1500 per person. Orthodontic services are available for children under 19 years of age. The maximum lifetime amount is $1000.

Waiver of Benefits

If an employee has access to medical and/or dental benefits provided by a source other than Simpson University, Simpson will reimburse $100 per month for medical and $25 per month for dental. Proof of insurance must be provided along with a completed Group Enrollment/Change Form. Waivers will be accepted only during the open enrollment period of September 1-September 30 of each year (or at a qualifying event). An employee may add benefits anytime during the year with the occurrence of a qualifying event. A qualifying event is defined as a loss of benefits due to the death of a spouse or dependent, or termination of a spouse's employment.

Life

Carrier: Sun LifePaid for by Simpson University and effective on the date of hire for full time employees, this benefit pays 2.5 times annual earnings.

AD&D

Carrier: Sun LifePaid for by Simpson University and effective on the date of hire for full time employees, this benefit pays 2.5 times annual earnings.

LTD

Carrier: Sun LifePaid for by Simpson University and effective on the date of hire for full time employees, this benefit pays 66 2/3% of the first $5,000 of pre-disability earnings.

Retirement

Retirement benefits are available to all employees on either April 1st or October 1st (whichever comes first) following their date of hire. For full time employees only, Simpson University will contribute 1% automatically and match up to 3%. Employees may change their contribution rate at any time, but any resultant change for Simpson University will not take effect until the next April 1st or October 1st. Simpson University allows employees to choose one of three brokers for their retirement services: Catherine Lathrop-Cummings, A.G. Edwards Don Bentley, Merrill LynchBruce Bruinsma, Envoy Financial (CRC)

Flexible Spending Account (FSA)

Redding Bank of Commerce administers pre-tax payroll deductions at any amount established by the employee at their date of hire and every October 1st thereafter. These deductions can be requested for medical expenses, medical premium contributions, or childcare expenses. The employee may obtain those monies for any out of pocket medical, dental or optical expenses that are not reimbursable by another source. Employees must complete a reimbursement form (located either in the Human Resources office or website) and attach appropriate receipts. Forms must be faxed directly to Redding Bank of Commerce. Forms are processed on a daily basis and reimbursement checks will be sent to the employee's home or electronically deposited into the employee's account.

Supplemental Insurance

AFLAC sells and administers supplemental insurance plans available to our employees. These plans include cancer, intensive care, and accident insurance and the employee pays for the cost. Our representative is Terrie Runolfson and she can be reached at 347-7232 to answer any of your questions

Workers Compensation

Paid for by Simpson University for all employees, this benefit covers medical expenses for work-related illnesses or injuries, plus a disability allowance. All injuries, however minor, must be reported to the Human Resources office the day of the injury. Specific treatment and reporting procedures must be followed.

Social Security System

Generally, all employees of the University are required by law to pay into the Social Security System. For affected employees, a deduction will be made from employee earnings for this purpose, and the University will make payments to the System on behalf of each employee.

Employee Assistance Program

Services of the Simpson Community Counseling Center are available at no charge to all employees. All meetings with the EAP staff members are confidential. Contact must be initiated by the employee, although supervisors can encourage employees to seek counsel.

COBRA

In accordance with Public Law 99-272, Title X, Simpson University offers an extension of health coverage to all full time employees whose employment is terminated for any reason other than gross misconduct. New employees will receive preliminary information shortly after their date of hire. Upon termination of employment, a letter detailing available benefits will be sent.

Other Benefits

• EDTG Tuition: Full time Simpson University staff members and their legal dependents and spouses are eligible for discounts up to the cost of full time tuition for both fall and spring semesters. For EDTG qualifying criteria, please review your faculty or staff handbook. For further information contact the Human Resources Director.
• Meals: Each semester, full time faculty and staff are welcome to enjoy 15 free meals in the dining center. Accounts are automatically credited and ID cards are necessary to redeem meals.
• Bookstore: Employees of the University are entitled to a 10% discount off of merchandise at the bookstore.

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