Benefits 2009-2010
| Director of Benefits Diocese of San Jose Lupe Warren 900 Lafayette St. Suite 100 Santa Clara CA 95050 408 983-0100 |
Chief Financial Officer Archbishop Mitty High School Jorge Helmer 408 342-4236 408 252-6960 |
AMHS employees are eligible to join Commonwealth Central Credit Union. Please contact them for details at 408-451-9010.
The Diocese of San Jose has one dental plan that is separate from all medical plans. The dental plan exists under the RETA umbrella for all employees. There is a $35 deductible per employee and a $70 deductible for families. The plan covers 90% of usual and customary charges as established by the insurance company. It also covers 50% of major dental work (crowns/bridges). Maximum annual benefit is $2,000 a year.
The name of the plan is Diocese of San Jose Group Dental Plan, Group Number 120560. The plan participant’s ID# is your Social Security Number. This Plan allows the plan members to choose their own dental provider. The Business Office issued dental cards in June.
Dental Plan Administrator
MetLife Dental
P.O. Box 981282
El Paso, TX 79998-1282
1-800-942-0854Please inquire about your dental providers billing policies before service is rendered.
Qualified faculty and staff can borrow up to $10,000 for a four-year term loan for various living/homeowner expenses. The loan is based on the Deposit & Loan Fund Rate, which is set on June 30th. The rate for the 2008-2009 school year is 7.2%. To receive this loan, please submit a letter to Bob Serventi at 900 Lafayette St., Suite 301 Santa Clara, CA 95050, describing the reason for the loan, the amount and the term of the loan. Contact AMHS Business Office for further information.
Employees may have all or part of their payroll check directly deposited into their checking and/or savings accounts (three accounts maximum). It takes 2-3 pay periods, depending on the financial institution, for direct deposit to begin. Forms are available in Business Office and must include a void check (for Checking Accounts) or deposit slip (for Savings Accounts).
Funding is available for research, professional development, and curriculum. Contact the Director of Teacher Development’s Office for more information.
The Faculty/Staff Partnership consisting of the following programs: The Volunteer Income Tax Assistance Program provides CPA services to assist with the preparation of income tax returns and to answer tax related questions. The Archbishop Mitty Parent Association (AMPA) also supports Faculty and Staff through hospitality gifts/prize drawings.
FMLA requires covered employers to provide 12 weeks of unpaid, job-protected leave to “eligible” employees for certain family and medical reasons. For more information please refer to Labor Law Information posters located across from the faculty/staff mailboxes.
Flexible Spending Accounts (Cafeteria Plan) (SFC 125)
The Internal Revenue Code provides a tax advantage to employees who choose to participate in a flexible spending account through their employer. AMHS offers two accounts; the health care premium reimbursement program and the dependent care reimbursement program. Employees may use pretax dollars to pay for related to dependent day care, by setting aside funds.
Dependent Day Care Account: Employees may set aside up to $5,000 annually to pay for eligible expenses related to child care, care of a disabled spouse and/or disabled or aged parent. Eligible expenses include licensed nurseries, day care centers and individuals that provide dependent care in or outside the home.
Health Care: Employees may set aside up to $6,000 annually to pay for eligible expenses related to health care out of pocket expenses. See AFLAC Flexible Spending Account Participants Handbook for details on qualified expenses.
AMHS provides one laptop for every teacher.
All full-time employees of the Diocese of San Jose receive a $25,000 life insurance policy from Unum Provident. Supplemental life insurance can be purchased during the annual open enrollment period. Qualifications for additional life insurance may be required.
The minimum and maximum amounts allowed for supplemental life insurance:
Employee |
Spouse |
Child |
|
Minimum |
$20,000 |
$5,000 |
$2,000 |
Maximum |
5 times Annual Salary, up |
50% of Employee Benefits, up to $250,000 |
$10,000 |
Guarantee Issue |
5 times Annual Salary, up to $100,000 |
50% of Employee Benefits, up to $50,000 |
$10,000 |
AMHS provides continuing income for long-term disabilities for full time employees. After 90 days, this benefit supplements an employee’s income while totally disabled. The benefit covers 66.6% of gross wages up to a $5,000 maximum per month pay out.
Archbishop Mitty High School subsidizes the daily lunch program. Faculty and staff members’ portion, for those wishing to participate, will be deducted from their payroll check.
AMHS makes available Blue Cross, Kaiser and Pacific Care for all full time employees. Spouses and dependents may enroll with AMHS. All eligible dependents should be enrolled at time of employment. Changes can be made during the annual open enrollment period or with a family status change (birth/marriage/unemployment). A new spouse or child must be enrolled within 30 days of becoming a dependent. AMHS pays between 37% and 58% of the dependent premium depending on the plan you choose. Diocese of San Jose Employee Benefits
Medical change forms are available in the Business Office. Claims forms are available in the Front Office. All claims must go through the insurance provider. The Business Office and Diocese Benefits Office do not process claims.
| Carrier | Customer Service | Prescription |
| Kaiser | 1-800-464-4000 | Kaiser |
| Blue Cross | 1-888-722-1077 | PharmaCare 1-800-645-9303 |
| Pacificare | 1-800-624-8822 | Prescription Solutions 1-800-788-7871 |
If you do not have a Medical or Prescription card, call your provider’s Customer Service number.
Cost for dependent care coverage
| Provider | One Dependent | Family |
| Kaiser | $260.45 | $524.51 |
| Blue Cross100/80 | $534.19 | $923.05 |
| Blue Cross 90/70 | $477.84 | $792.19 |
| Blue Cross EPO | $301.74 | $518.64 |
| Blue Cross HSA | $223.93 | $402.81 |
| PacifiCare | $391.87 | $697.55 |
| Dental Only | $ 40.25 | $100.62 |
For California workers covered by State Disability Insurance, Paid Family Leave insurance provides up to six weeks of benefits for individuals who must take time off to care for a seriously ill child, spouse, parent, domestic partner, or to bond with a new minor child. For information please refer to the Employment Development Department website.
All full-time employees (working more the 20 hours per week) participate in the San Jose Diocesan
Pension Plan. Those employed prior to 1/1/2007 are enrolled in a defined benefit plan not requiring employee contributions. All employees are vested 50% after 5 years and 100% after 10 years.A Defined Benefit Plan is one that provides retired employees with a monthly life income based on the employee’s “final average pay”. The employer makes contributions to the defined benefit plan and requires no contributions from the employee.
The plan provides a regular monthly benefit for life, based on your average highest final pay and your total service, starting with your normal retirement date at age 65. See page 10 in the Retirement Plan Booklet for the Pension Benefit Formula.
You can retire early at any time after age 55, with 15 or more years of service.
See Page 12 in the Retirement Plan Booklet for the Early Retirement Table.You will be entitled to a vested deferred benefit, beginning at age 65, if you leave Diocesan employment for a reason other than death or total disability, before you are eligible for retirement. See page 14 in the Retirement Plan Booklet for vesting qualifications and schedules.
Those employed after 1/1/2007 are enrolled in a cash balance plan not requiring employee contributions. All employees are vested 100% after 5 years.
A Cash Balance Plan is one that provides retired employees with a payout at retirement based on pay credit and interest credit. A pay credit is added to your pension account as of the end of each year. The amount of your pay credit is based on your length of service, starting at 5% of annual pay for new employees up to 9% for employees with 20 or more years of service. An interest credit at the annual rate of 6% is prorated monthly to your pension account balance.
The form of payment upon retirement at age 65 is either a cash lump sum equal to your pension account balance or an annuity, as you choose.
If you choose to leave the school, your account balance will be paid to you in a lump sum, provided you have completed five years of service.
Please refer to the “Highlights of the Diocese of San Jose Lay Employees Pension Plan” for more complete plan descriptions.
AMHS pays matching SSI payroll taxes in the amount of 7.65% or each employee’s gross earnings. The Social Security Tax rate is 6.2% of gross wages. The Medicare Tax rate is 1.45% without any wage limit.
Social Security pays retirement, disability, family and survivors benefits. Medicare, a separate program run by the Centers for Medicare & Medical services, helps pay for inpatient hospital care, nursing care, doctors’ fees and other medical services and supplies to people over 65 or to people who have received Social Security disability benefits for two years. Your Social Security covered earnings qualify you for both Programs.
Retirement Benefits are payable at full retirement age (with reduced benefits available as early as age 62) for anyone with Social security credits. The full retirement age is 65 for persons born before 1938. The age gradually rises until it reaches 67 for persons born in 1960 or later. People who delay retirement beyond full retirement age get special credit for each month they don’t receive a benefit until they reach age 70.
You can get more information about retirement or specific topics at www.ssa.gov or by calling 1-800-772-1213.
Staff Development Funds for Professional Growth
Funding is available for participation in professional workshops, conferences and organizations. Contact the Director of Teacher Development’s Office for more information.
California State Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers. Each employee contributes .5% of gross wages to the State Development Department. The SDI program is State-mandated, and funded through employee payroll deductions. SDI provides affordable, short-term benefits to eligible workers who suffer a loss of wages when they are unable to work due to a Non Work-Related illness or injury, or a medically disabling condition from pregnancy or childbirth. SDI may pay up to 52 weeks of benefits with a waiting period of only seven days. For information please refer to the Employment Development Department.
A TSA is a voluntary plan in which employees of non-profit organizations may participate. Federal and State taxes (excluding FICA and SDI) are based on your gross salary after your contribution is deducted, thus effecting a tax benefit. Participation may be terminated at any time. Current rules, exceptions and limitations are subject to change. Discuss these matters with your financial advisor.
To set a TSA an employee must go to their financial advisor to create a 403b account and select investment funds. Once an account is created, a Salary Reduction Agreement form may be obtained in the Business Office. This amount will be automatically deducted from your paycheck and submitted electronically to your financial institution. Maximum annual deduction for the 2009 calendar year is $22,000 if the employee is at least 50 years old; or $16,500 for employees that do not meet the age or service requirements above.
For more information, please contact the IRS.
After being employed three years, an employee's first child will receive a 65% reduction in tuition; an employee's second child (in school at the same time as the first one) will receive a 75% reduction in tuition; and, if ever there are three children of the same employee here at the same time, the third child will receive 100% reduction.
The California Department of Human Resources has a fund for payment of any claim filed by an ex-employee of Archbishop Mitty High School.
Vision coverage is provided through Vision Service Plan (VSP). When visiting a VSP network doctor, you’ll receive:
- Exam covered in full – every 12 months
- Prescription Glasses – Lenses covered in full every 12 month
- Single vision, lined bifocal and lined trifocal lenses.
- Frames – every 24 months
- Frame of your choice covered up to $120. Plus, 20% off any out-of-pocket costs.
Or
Contacts – every 12 months
When you choose contacts instead of glasses, your $150 allowance applies to the cost of your lenses and the contact lens fitting exam. This exam is in addition to your vision exam to ensure proper fit of contacts.Copays
- Exam - $25
- Prescription Glasses - $25
- Contacts – No copay applies
Coverage is available for non-VSP doctors, at a different benefit schedule.
Archbishop Mitty offers a voluntary benefits program with the assistance of AFLAC®. Aside from our health and dental plans you will be able to choose any of the following benefits that fit your needs and/or budget. All plans except the disability policy may be pre-taxed. The following voluntary benefits are available:
I. FLEXIBLE SPENDING ACCOUNTS FOR:
Dependent Care, $5,000 per year maximum
Medical Care, $6,000 per year maximumII. AFLAC® SUPPLEMENTAL INSURANCE POLICIES
The AFLAC® policies in-force, pay cash directly to you, unless assigned, regardless of any other insurance you may have. Simply put, these plans give you benefits that may help offset the ever-increasing cost of medical expenses and loss of income. Family coverage is available for all plans except short-term disability, and each plan is separate. You may choose the plan(s) that suit(s) your needs and budget. Following are summaries of the AFLAC® policies being offered:
Accident/Disability Policy and Riders (Series A-33000)
This plan pays lump-sum benefits for on-and off-the-job accidents. Other benefits include hospitalization, physical therapy, accidental-death and more. Emergency benefit: pays for treatment received within three days of a covered accident.
Short-Term Disability Policy (Series A-57200)
This plan pays monthly income for disability as a result of an accident or illness away from the job. Benefit periods: 6 months, 12 months, or 24 months. Waiting period: 0 days if disabled due to an off-the-job injury; 7, 14, or 30 days due to illness, you choose! It pays you in addition to State Disability.
Cancer Protection Policy (Series A-59000)
This plan pays scheduled cash benefits upon the diagnosis and treatment of cancer. Additional benefits for hospitalization, surgery, anesthesia, radiation and chemotherapy, second surgical opinion, blood and plasma and wellness, bone marrow transplantation, and much more.
Personal Recovery Plus (Series A-70200)
Pays scheduled direct cash benefits for life-threatening events, such as heart attack, stroke, coma, and paralysis. This plan pays a First Occurrence Benefit, which annually builds in value. Benefits include hospital confinement, continuing care benefits, lodging, transportation, and much more.
Hospital Intensive Care Policy (Series A-18200)
This plan pays for confinement in an intensive care, sub-acute care, or coronary care, plus organ transplant and more.
The Sickness Disability rider for the Personal Accident Expenses Plan and the Personal Short-Term Disability policy requires at least 10 months of participation prior to “normal pregnancy” birth of a child.
All AMHS employees are covered for Workman’s Compensation. Claims must be reported to the Business Office within 24 hours of an injury. For a serious life threatening injury: call 911. For a serious injury contact the Business Office for the name and location of a designated medical clinic. An injury requiring minor first aid treatment, which results in, no lost work time, is not a reportable claim.
Workers Compensation Benefits
- Medical Treatment
- Temporary Disability (Maximum of $728 per week)
- Permanent Disability
- Maximum of $728 per week
- Scheduled benefit
- Up to 100% Life Pension
- Rehabilitation Maintenance Allowance
- $246 per week
- $16,000 cap
- Death Benefits
- Up to $160,000 plus dependent payout
