Benefits Open Enrollment Brochure 2020-21 · Open enrollment runs April 13 through 24, 2020. You must complete enrollment by 5 p.m., Friday, April 24, 2020. You must enroll even if

2020–2021 ANNUAL EMPLOYEE BENEFITS OPEN ENROLLMENT

APRIL 13–24, 2020

MY.JCCC.EDU

B E N E F I T S O P E N E N R O L L M E N T G U I D E2020 -2021

Enroll through my.jccc.edu

Contact your JCCC Benefits Specialist if you have questions.

If your last name starts with: A-F Connie Brickner ext. 4757 G-N Lisa Gates ext. 3619 O-Z Lisa Sullivan ext. 7624

Benefits Manager Jerry Zimmerman, ext. 2776

QUICK GUIDE HIGHLIGHTS

▨ Open enrollment runs April 13 through 24, 2020.

▨ You must complete enrollment by 5 p.m., Friday, April 24, 2020.

▨ You must enroll even if you don’t make changes to your current coverage.

▨ Benefit elections are effective June 1, 2020 to May 31, 2021.

▨ Elections will be reflected on your June 15, 2020, paycheck.

▨ We've included instructions and an enrollment worksheet to make it easy for you to compare your year-over-year benefit elections (see page 12-13)

PROVIDERS

Medical: Blue Cross and Blue Shield of Kansas City (BCBSKC)

Dental: Cigna Dental or Delta Dental

Vision: EyeMed

NEW THIS YEAR

▨ The deductibles for the two high deductible health plans (HDHPs) are increasing.

▨ There's a new telehealth application from Blue Cross & Blue Shield of Kansas City—"Virtual Care."

▨ There's a new "Health Pro" consultant available to HDHP participants.

NEED HELP?

APRIL

24

J O H N S O N C O U N T Y C O M M U N I T Y C O L L E G E 12020 -2021

TABLE OF CONTENTS

YOUR GUIDE TO OPEN ENROLLMENT

Enrolling for Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Get Help . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

What’s Changing?

Medical Plan Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Flexible Spending Accounts (FSA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Health Savings Account (HSA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Dental Plan Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Vision Plan Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Benefit Elections and Worksheet Terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Enrollment Worksheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

Annual Reminders

Beneficiary Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Dependent Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Voluntary Additional Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Dependent Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Domestic Partners . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

403(b) and 457(b) Plan Voluntary Contributions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Qualified Status Change . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Know Your Other Benefits

Short-Term Disability Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Employee Assistance Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Tuition Assistance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Kansas Public Employees Retirement System (KPERS) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

B E N E F I T S O P E N E N R O L L M E N T G U I D E2 2020 -2021

hIMPORTANT

1. Log in to MyJCCC at jccc.edu.

2. Make sure you are in the Employee tab.

3. Click on Go to My Benefits (blue box).

4. Follow the instructions.

5. Your electronic submission authorizes JCCC to enroll you in your online selections.

ENROLLING FOR BENEFITS

Once you change to Group 2, you will not be allowed to return to Group 1 during future open enrollments.

KNOW YOUR BENEFIT GROUP

Group 1: In general, full-time employees with a benefit eligibility date before June 1, 2014

Group 2: Full-time employees with a benefit eligibility date on or after June 1, 2014

GROUP 1 GROUP 2

Receive flex-credits frozen at $554.47 per pay period No flex-credits

Must purchase medical coverage and $50,000 of basic life insurance

Medical is voluntary and $50,000 of basic life is free

JCCC contributes 7 percent to the 403(b) Plan JCCC contributes 8 percent to the 403(b) Plan

If you are in Group 1, you must first elect to remain in Group 1 or change to Group 2 before you can make your selections. If you choose to move to Group 2, you must contact your benefits specialist (see page 3) before enrolling.

If you are in Group 2, you will proceed directly to enrollment.


ENROLLING FOR BENEFITS

tNOTE

hIMPORTANT

You must complete enrollment no later than Friday, April 24, at 5 p.m.

? GET HELP

Contact your JCCC Benefits Specialist if you have questions.

If your last name starts with:

A-F Connie Brickner ext. 4757

G-N Lisa Gates ext. 3619

O-Z Lisa Sullivan ext. 7624

BENEFITS MANAGER: Jerry Zimmerman, ext. 2776

Informational Sessions

Wednesday, April 8 noon – 1 p.m. CC 211

Thursday, April 9 3:30 – 4:30 p.m. CC 211

Friday, April 10 8 – 9:00 a.m. CC 211

Open Help Sessions

Friday, April 17 9 a.m. – noon RC 250 and RC 252

Tuesday, April 21 1 – 6 p.m. RC 250 and RC 255

Thursday, April 23 9 a.m. – noon RC 250 and RC 252

Friday, April 24 9 a.m.– 5 p.m. RC 250 and RC 252

All enrollment forms must be submitted electronically.

Please print a copy for your records.


WHAT’S CHANGING?

MEDICAL PLAN

Coverage options are provided by Blue Cross and Blue Shield of Kansas City (BCBSKC). Find complete information about your medical plan benefits at jccc.edu. Search for

“Employee Medical Benefits.”

▣ Group 1 full-time benefit eligible employees must participate in either a JCCC medical plan option or the “A Healthier You” wellness program option provided by BCBSKC. You must certify that you have other group medical coverage to enroll in “A Healthier You.”

▣ Group 2 employees are not required to participate in a medical plan option.

The medical plan premiums per pay period are:

MEDICAL OPTION AND COVERAGE LEVEL

GROUP 1 GROUP 2

Preferred-Care Blue EPO

Employee $319.11 $61.08

Employee +1 $549.28 $111.89

Family $740.10 $153.57

Preferred-Care Blue PPO

Employee $307.33 $51.46

Employee +1 $539.95 $94.33

Family $710.43 $129.36

Preferred-Care Blue—BlueSaver HDHP

Employee $270.36 $0

Employee +1 $459.83 $0

Family $617.51 $0

BlueSelect Plus PPO

Employee $283.51 $45.28

Employee +1 $496.26 $83.02

Family $650.55 $113.85

BlueSelect Plus—BlueSaver HDHP

Employee $248.76 $0.00 + HSA$

Employee +1 $420.26 $0.00 + HSA$

Family $563.24 $0.00 + HSA$

A Healthier You™

Employee $42.90 NA

hIMPORTANT

Remember PPO and HDHP co-pays and deductibles will restart on January 1, 2021


BlueSelect Plus–BlueSaver HDHP and BlueSelect Plus–PPO are limited network options that include more than 3,600 providers and nine hospitals. In-network deductibles and co-pays are the same as traditional PPO and HDHP medical options. The limited network results in lower premiums for participants.

Group 2 employees who enroll in the BlueSelect Plus HDHP will receive an employer-paid contribution to a UMB HSA as follows:

Employee Only Coverage $38.75 per pay period ($930 annually)

Employee +1 Coverage $71 per pay period ($1704 annually)

Family Coverage $97.50 per pay period ($2340 annually)

hKEEP IN MIND

1. If you elect to keep the same medical plan during 2020-2021 enrollment, you will not receive a new benefit ID card. Please hold on to your current cards.

2. Deductibles and coinsurance amounts are determined on a calendar-year basis and will restart on January 1. Any amounts you pay for deductibles, copays and so on from June through December 2020 will not count for 2021.

3. If you switch from the EPO to either a PPO or HDHP option starting June 1, 2020, any amounts paid while participating in the EPO from January to May will not count toward your PPO/HDHP deductible or coinsurance for the rest of 2020.

tNOTE

Members receive a substantial financial reward for accessing

in-network care from the BlueSelect Plus network. Carefully

evaluate whether the limited network of hospitals and providers will

work for you and your family before electing one of these options.

WHAT'S CHANGING?

Under IRS regulations the deductible amounts for the two HDHP medical plan options will be increasing as follows:

▣ $2,800 Individual

▣ $5,600 Family (includes employee +1)


Spira Care

For the 2020-2021 benefit plan year, the BlueSelect HDHP will continue to provide participants with access to Spira Care’s convenient Care Centers.

Spira Care is a combined care and insurance offering developed by Blue Cross and Blue Shield of Kansas City. Members can access comprehensive primary care at Care Centers for a low allowable charge of just $60 a visit as well as all the benefits of the BlueSelect Plus Network.

Align Care Delivery

COMPREHENSIVE SERVICES CONVENIENT BENEFITS

Routine Preventive Care

Adult & Pediatric Primary Care

Chronic Condition Management

DigitalX-rays*

Behavioral Health Consultations

LabDraws

Common Prescriptions Filled On-Site

Patient Wellness

Follow-ups

Outside-of-CareCenter Support


Access to A Healthier You

Platform

Specialist Referrals & Scheduling

OnlineScheduling

Online Care Team

Communication

*X-rays are available at select locations only,

Align Care Delivery





DigitalX-rays*


LabDraws


Patient Wellness

Follow-ups




Platform


OnlineScheduling

Online Care Team

Communication


Align Care Delivery





DigitalX-rays*


LabDraws


Patient Wellness

Follow-ups




Platform


OnlineScheduling

Online Care Team

Communication


WHAT’S CHANGING?

Find a Spira Care, Care Center near you: ▣ Olathe: 15710 W. 135th Street, Suite 200

▣ Shawnee: 10824 Shawnee Mission Parkway

▣ Lee’s Summit: 760 NW Blue Parkway

▣ Liberty: 8350 N Church Road

▣ Crossroads: 1916 Grand Boulevard (KCMO)

▣ Wyandotte: 9800 Troup Avenue (KCK)

A new Tiffany Springs location will be announced soon. Learn more at spiracare.com.


Optum Rx Mail-Order Pharmacy

Optum Rx is our new prescription benefit manager with Blue KC. Remember that mail-order delivery is the most cost-effective way to fill prescriptions for maintenance medications—those taken regularly to treat chronic conditions. Copays are reduced for up to a 90-day supply and you can receive your medication automatically every 90 days.

tNOTE: You will pay a $20 higher copay at a retail pharmacy after the second fill unless you choose mail-order delivery for that maintenance medication.

Examples of maintenance drugs: those used to treat high blood pressure, high cholesterol, heart disease, asthma and diabetes. Contraceptive drugs are also considered maintenance medications.

Telehealth through Virtual Care

There's a new telehealth online doctor visit application from Blue Cross & Blue Shield of Kansas City—"Virtual Care"—available to all JCCC medical plan participants. With Virtual Care you can schedule and see a doctor for most minor medical issues anytime from any mobile device or computer.

If you are in an EPO or PPO plan, you will have a $20 copay. If you are in a JCCC HDHP plans, you must pay the allowable charge amount of $59, per IRS requirements.

To learn more, log in to your member account at MyBlueKC.com and select TELEHEALTH under the Benefits heading.

Alight resources for HDHP Participants

Navigating your high deductible healthcare benefits in either of the JCCC HDHP medical plan options isn’t always easy. Alight is a new provider of a cost-free, group of healthcare professionals trained to help you with your JCCC HDHP medical benefits.

An Alight Health Pro can offer guidance and support for a whole range of topics:

▣ Understand your benefits Clear up any confusion about your health plan

▣ Pay less for prescriptions Get recommendations for lower cost medications

▣ Find great doctors Locate highly rated doctors

WHAT'S CHANGING?

Log in to BlueKC.com for access to the Optum Rx mail-order portal.

Download the Virtual Care mobile app and have a video visit on your smartphone or tablet.

800-513-1667

[email protected]

▣ Resolve billing errors Over 30% of medical bills are wrong

▣ Save money on healthcare Compare prices for a test or procedure and choose a more cost-effective option

▣ Schedule appointments Have your appointments scheduled at times most convenient to you

Blue KC Virtual CareBlue Cross Blue Shield of Kansas City


FLEXIBLE SPENDING ACCOUNT (FSA)

Health Care Flexible Spending Account (HCFSA)

You can elect to contribute to a HCFSA for the 2020-2021 benefit plan year to cover eligible medical, dental and vision expenses for yourself and your family that are not reimbursed by other health plans. The benefit plan year for the HCFSA option runs from June 1, 2020 through May 31, 2021.

The maximum annual contribution allowed to the HCFSA is $2,750 or $114.58 per pay period per employee.

You have a grace period to incur eligible expenses up to August 15, 2021, but must submit them for reimbursement no later than September 30, 2021, or you will forfeit any unused HCFSA contributions.

Dependent Care Flexible Spending Account (DCFSA) for Child and Elder Care

You can elect to contribute to a DCFSA for the 2020-2021 benefit plan year. Set aside tax-free dollars for qualified dependent care expenses necessary for yourself (or if married, additionally for your spouse) to work or attend school full time. The benefit plan year for the DCFSA option runs from June 1, 2020 through May 31, 2021.

The Internal Revenue Service limits the maximum annual contribution amount to the DCFSA to $5,000 per family, or $208.33 per pay period.

You have a grace period to incur eligible expenses up to August 15, 2021, but must submit them for reimbursement no later than September 30, 2021, or you will forfeit any unused dependent care FSA contributions.

HEALTH SAVINGS ACCOUNT (HSA)

You can choose to contribute to a health savings account if you enroll in the Blue Saver HDHP or BlueSelect Plus HDHP medical plan options. You aren’t required to enroll in the HSA with a HDHP plan. If you have a current UMB HSA you do not have to open an account again.

Group 2 employees who enroll in the BlueSelect Plus HDHP option will automatically have an HSA account opened for them to accept JCCC’s HSA employer contribution.

WHAT’S CHANGING?

tNOTE

tNOTE

You cannot participate in

the HCFSA if you enroll in a

JCCC HDHP medical plan

option or are covered by a

HDHP group health plan

with another employer.

DCFSA contributions cannot

be used for dependent

health care expenses.

Check out the self-service mobile app. You can use it to review your account and file claims. Just go to the Google Play Store for Android devices or App Store for Apple devices and search for ASIFlex.


Benefits of an HSA:

▣ You can set aside pre-tax dollars through convenient payroll deductions.

▣ Funds can be used to cover out-of-pocket healthcare costs, such as deductible and co-insurance charges.

▣ HSA payments and reimbursements aren’t taxable as long as they are used for healthcare-related expenses. This includes any related investment income or gains.

▣ Unlike with an FSA, you will not lose any remaining money in your HSA at the end of the plan year. The funds in your HSA are always yours, even if you change medical plan options, leave the College or retire, and you can add more money or spend the money on eligible expenses in future years.

UMB Bank is the HSA administrator for JCCC. You can use any bank or financial institution that offers HSA rather than UMB, but you will not be able to take advantage of the automated pre-tax payroll deduction capability if you open an HSA elsewhere.

Beginning June 1, 2020, the maximum amount you can contribute to the HSA for the remainder of the 2020 Calendar Year (14-pay periods) is:

Employee Only $2,070.74 ($147.91 per pay period) Family (Employee +1 or more) $4,141.62 ($295.83 per pay period)

If you reach your 55th birthday and are not enrolled in Medicare despite being otherwise eligible, you can make an additional catch-up contribution of $583.24 ($41.66 per pay period) to your HSA for 2020. You will have an additional opportunity in November 2020 to make an HSA election for the 2021 calendar year.

WHAT'S CHANGING?

tNOTE

tNOTE

Group 1 employees

who have leftover

flex-credits may use

them to fund their HSA.

If you are a Group 2

employee who

participates in the

BlueSelect Plus

HDHP, the employer

contributions to the

HSA will reduce the

maximum amount

you can contribute.

hKEEP IN MIND

1. You cannot participate in the JCCC Health Care Flexible Spending Account if you enroll in either HDHP option.

2. In general, you are not eligible to receive an employer HSA contribution or make a voluntary HSA contribution if you or your spouse participate in a health care flexible spending account or are covered under another group medical plan other than a HDHP.

3. Once you are enrolled in any Medicare option (A, B, C or D), you are no longer eligible to make contributions to an HSA.


DENTAL PLAN

Dental plan coverage is voluntary. JCCC offers two options: Cigna Dental Care (CDC) or Delta Dental Premier/PPO.

For 2020-2021, Cigna’s Participant Charge Schedule remains unchanged. You can find a copy of the Participant Charge Schedule at Benefits at jccc.edu. Search for “Employee Dental Benefits.”

Compare

The CDC option is a managed care program that provides comprehensive dental care with:

✔ No claim forms to fill out

✔ No deductibles

✔ No dollar maximums

✔ No pre-existing conditions

For this option, you must select a licensed dentist participating in CDC. If you do not select a CDC dentist, Cigna will assign one for each of your enrolled dependents. If Cigna assigns you a dentist, you must wait a minimum of 30 days to change your assigned dentist.

Copays for covered dental services are spelled out in Cigna’s Participant Charge Schedule applicable to the coverage. Review the covered dental services carefully before deciding to elect this option.

With the Delta Dental Premier/PPO option, you can:

✔ Go to any dentist

✔ Enjoy significant savings when you use a participating PPO dentist

You can find a PPO participating dentist at deltadentaltalks.com.

WHAT’S CHANGING?

COVERAGE LEVEL GROUP 1 GROUP 2

CDC

Employee $12.98 $1.38

Employee +1 $26.34 $2.81

Family $40.58 $4.33

COVERAGE LEVEL GROUP 1 GROUP 2

Delta Dental

Employee $16.74 $1.89

Employee +1 $32.78 $3.73

Family $58.24 $6.62

hKEEP IN MIND

If you change from Delta Dental to CDC during open enrollment, you need to choose a CDC dentist based upon your residence ZIP code for each of your enrolled dependents.

Visit cigna.benefitnation.net/cigna to find a CDC dentist near you.

CDC premiums are NOT changing. The premiums per pay period are:

Delta Dental premiums ARE changing. The premiums per pay period are:

Delta Dental of Kansas


WHAT'S CHANGING?

COVERAGE LEVEL PREMIUM

EyeMed

Employee $5.24

Employee +1 $9.95

Family $14.62

EyeMed premiums are NOT changing The premiums per pay period are:

VISION PLAN

During open enrollment, you may elect to enroll in vision plan coverage with our service provider, EyeMed, and its Insight Network.

Benefits include: ▣ $10 copay for a vision examination

▣ $10 copay for lenses

▣ Coverage for contact lenses

EyeMed is a national provider of vision care and has agreements with member vision providers, laboratories and retail networks that result in substantial savings. Visit eyemedvisioncare.com for more information. You can also see full vision plan information at jccc.edu. Search for

“Employee Vision Benefits.”


WHAT’S CHANGING?

BENEFIT ELECTIONS

Use this worksheet to assist you in enrolling for your 2020/2021 benefit elections.

You can obtain the cost of your 2019/2020 benefit elections as follows:




4. Click on Confirmation Statement.

Your 2019/2020 elections are only available until April 10.

Medical Plans ρ Preferred-Care Blue (PCB) EPO

ρ PCB PPO

ρ PCB – BlueSaver HDHP

ρ BlueSelect Plus PPO

ρ BlueSelect Plus – BlueSaver HDHP

Dental Plans ρ Delta Dental Premier/PPO

ρ Cigna DHMO

Vision Plan ρ EyeMed

HSA

Health Savings Account (must be enrolled in a HDHP medical plan option)

HCFSA

Health Care Flexible Spending Account

DCFSA

Dependent Care Flexible Spending Account

Supplemental Life

Amount elected in addition to $50,000 of basic life insurance to a maximum of $500,000

Dependent Life

$5,000 for child, $25,000 for spouse

Voluntary 403b

Pre-tax or Roth after-tax

Voluntary 457b

Pre-tax or Roth after-tax

WORKSHEET TERMS


WHAT'S CHANGING?

ENROLLMENT WORKSHEET

2019-2020

Plan Name Employee Cost

Medical ___________________

Dental ___________________

Vision ___________________

HSA (must be in HDHP) ___________________

HCFSA ___________________

DCFSA ___________________

Supplemental Life ___________________

Dependent Life ___________________

Voluntary 403b ___________________

Voluntary 457b ___________________

Total Cost ___________________

2020-2021

Plan Name Employee Cost

Medical ___________________

Dental ___________________

Vision ___________________

HSA (must be in HDHP) ___________________

HCFSA ___________________

DCFSA ___________________

Supplemental Life ___________________

Dependent Life ___________________

Voluntary 403b ___________________

Voluntary 457b ___________________

Total Cost ___________________


BENEFICIARY INFORMATION

Ensure your assets go to those you intend to receive them in the event of your death. Open enrollment is a good time to review your beneficiary information and make sure your designations are up-to-date.




4. Choose Manage Beneficiaries under the Quick Links heading.

5. A pop-up box will appear noting you must select a primary beneficiary for your basic life and AD&D coverage. Click OK.

6. Follow the instructions at the top of the page to record your beneficiary.

7. You must click the SAVE icon to ensure your election isn’t lost.

ANNUAL REMINDERS

hKEEP IN MIND

▣ Your chosen beneficiary for any employee supplemental term life will be the same as your beneficiary for basic life.

▣ This MyJCCC link will not work during the two weeks of open enrollment unless you have completed your enrollment elections.

▣ Go to KPERS.org to review your current beneficiary or make a change. Can’t remember your login? Call KPERS toll free at 1-888-275-5737.

▣ To change your 403(b) and/or 457(b) beneficiaries, contact TIAA toll free at 877-518-9161 or visit TIAA.org/jccc.


ANNUAL REMINDERS

DEPENDENT ELIGIBILITY

If you add a new dependent to any healthcare coverage (medical, dental, vision), you must provide documentation of eligibility for coverage. See an outline of eligible dependents and the necessary documentation requirements at jccc.edu. Search for “Dependent Eligibility.”

VOLUNTARY ADDITIONAL EMPLOYEE LIFE INSURANCE

During open enrollment, you may elect to decrease or increase coverage (maximum of $500,000).

If you elect to increase your voluntary additional life insurance coverage you will be automatically directed to The Standard EOI form. You must complete this form and submit it online (group number 151414).

The premium for any increased amount of voluntary additional life insurance you have elected will only be changed if The Standard approves your EOI application.

DEPENDENT LIFE INSURANCE

During open enrollment, you may elect to add or drop dependent life insurance coverage on your spouse and eligible dependent children.

▣ The cost remains a flat $3.41 per pay period after taxes.

▣ If you add dependent life insurance coverage for your spouse, you must complete and submit the online evidence of insurability (EOI) form, which will automatically appear upon selection, to The Standard Life Insurance Company (group number 151414).

▣ Coverage on eligible dependent children is automatically approved and will begin June 1, 2020.

▣ Coverage on a spouse will not go into effect until The Standard approves the EOI application.

▣ Children are covered through the end of the year in which they turn 26.

tNOTE

You cannot make changes

to your basic life insurance

coverage amount of $50,000.


ANNUAL REMINDERS

DOMESTIC PARTNERS

Your domestic partner and any domestic partner children are eligible for medical, dental and vision plans only.

If you newly enroll a domestic partner, you must submit the required “Affidavit of Domestic Partnership” form and corresponding documentation to Human Resources, GEB 274, Box 46, no later than April 24, 2020. You can find the domestic partner form at jccc.edu. Search for “Domestic Partner Benefits.”

The value of domestic partnership coverage is treated as taxable wages to you. You will be subject to all applicable withholding taxes such as federal income tax, Social Security tax, and state/local income tax on the value of the coverage.

tNOTE

Social Security and KPERS may not provide all the resources

you will need in retirement. Consider making a voluntary

contribution to the 403(b) and/or 457(b) plans to enhance your

available retirement assets.

403(b) PLAN AND 457(b) PLAN VOLUNTARY CONTRIBUTIONS

In addition to any employer contributions to your 403(b), you can make monthly voluntary pre-tax or Roth after-tax contributions to the JCCC 403(b) and/or 457(b).

For the 2020 calendar year:

▣ You can contribute up to $19,500 (combined pre-tax and Roth after-tax contributions) to each plan.

▣ If you turn 50 or are already 50 or older, you can make an additional $6,500 catch-up contribution for a total of $26,000 to each plan.

▣ You may initiate or change voluntary contributions at any time. Contact your applicable benefits specialist.

Find more information on Roth after-tax contributions versus pre-tax contributions at jccc.edu. Search for “Employee Benefits Roth.”

You can meet with a TIAA or Two West advisor to learn more.

To schedule an appointment:

TIAA 800-732-8353 TIAA.org/jccc Search Consultations & Seminars,

select Meet at Work

Two West 913-647-8376 [email protected]


ANNUAL REMINDERS

tNOTE

If you notify your benefits specialist later than 30 days after the

event and the change results in a plan level modification (such

as a change from family to employee plus one coverage), you

cannot make additional changes to your benefit plan enrollment

elections until the next open enrollment period.

QUALIFIED STATUS CHANGE

Changes to your benefit plan selections after open enrollment are not generally allowed unless you experience an IRS-approved qualified status change event during the plan year.

Qualified status change events include but aren’t limited to: ▣ Marriage

▣ Divorce

▣ Birth or adoption of a child

▣ Loss of a spouse’s insurance through another company

To be eligible, you must contact your benefits specialist within 30 days of the event and provide supporting documentation. These changes go into effect the first day of the month following the receipt of the appropriate documentation.

Changes due to marriage or the birth of a child may be made sooner.

Find more information on qualified status changes at jccc.edu. Search for “Qualified Status Change.”


KNOW YOUR OTHER BENEFITS

SHORT-TERM DISABILITY INSURANCE

At no cost, the College provides short-term disability coverage once you complete three months of full-time continuous employment. The weekly benefit is equal to 65% of your basic weekly earnings.

EMPLOYEE ASSISTANCE PLAN

Employee Assistance Plan (EAP) coverage is provided at no cost to you. You and your eligible dependents can access the EAP even if you have no other coverage through JCCC. Confidential services are available from more than 200 professionally trained guidance counselors contracted with New Directions Behavioral Health in the KC area.

Get free, confidential support for life’s challenges, including relationships, life-changing events, worry or stress, workplace changes, substance dependence, or legal and financial issues.

800-624-5544

ndbh.com, passcode JCCC

TUITION ASSISTANCE

You and your eligible dependents can receive free tuition and fees for credit courses taken at JCCC.

YOUR JCCC BENEFITS PACKAGE INCLUDES MUCH MORE. HERE’S A SAMPLING.


KNOW YOUR OTHER BENEFITS

Have questions or need more detailed information?

Contact your Benefits Specialist.

If your last name starts with:

A-F Connie Brickner ext. 4757

G-N Lisa Gates ext. 3619

O-Z Lisa Sullivan ext. 7624


KANSAS PUBLIC EMPLOYEES RETIREMENT SYSTEM (KPERS)

As a JCCC employee, you automatically accrue retirement benefits from KPERS. You also receive the following benefits:

▣ Basic life insurance provided at no cost to you

▣ Long-term disability coverage provided at no cost to you and equal to 60 percent of your KPERS gross earnings

▣ Additional life insurance (optional)

▣ Spouse life insurance (optional)

▣ Child life insurance (optional)

Go to KPERS.org to learn more.


NOTES


This enrollment package is presented as a matter of information. In the event of any inconsistency between a statement in this enrollment package and the relevant plan document or plan summary, the plan document or plan summary will control over the statement in this enrollment package.

MY.JCCC.EDU

Documents

Benefits Open Enrollment Brochure 2020-21 · Open enrollment runs April 13 through 24, 2020. You must complete enrollment by 5 p.m., Friday, April 24, 2020. You must enroll even if