Married employees who wish to insure their children for dental coverage should be enrolled as a family by the higher-paid employee. The lower-paid employee should elect single coverage on the Flexible Benefit Election Form. Insurance forms will be completed so that the lower-paid employee is a dependent of the higher-paid employee. The higher-paid employee will receive a dental subsidy equivalent to two times the cost of single dental coverage.
|Cost of family dental coverage||$65|
|Cost of single dental coverage||$20|
The higher-paid employee should enroll for family coverage at $65 per month. The lower-paid employee's subsidy will be added to the higher employee's subsidy. The combined subsidy of $40 per month will be applied against the cost of family dental coverage. The net effect is that the higher-paid employee's pay will be reduced by $25 per month.
Married employees with children who elect the same Keystone plan should enroll as one single, and one parent & children contract. Married employees with children who both enroll in either the traditional plan or Personal Choice should contact Personnel Services. The College will adjust employee contributions if the married employees would otherwise be financially discouraged from enrolling in a manner that is least expensive to the College.
In this situation, the entire family should be enrolled by the higher-paid employee. The lower-paid employee should elect single coverage on the Flexible Benefit Election Form. Insurance forms will be completed so that the lower-paid employee is a dependent of the higher-paid employee. The employee contribution for the higher-paid employee will be adjusted to the equivalent of what both employees would have paid if they had elected coverage based on the employee contributions on the enclosed Rate Sheet.
Please contact Human Resources if you have any questions on these provisions.
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