Benefits

 

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

Computers

AMHS provides one laptop and iPad for every teacher.

Credit Union 

AMHS employees are eligible to join Commonwealth Central Credit Union. Please contact them for details at 408-451-9010.

Dental

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). Orthodontia up to $1,500 per member. Maximum annual benefit is $2,000 a year.

The name of the plan is Diocese of San Jose Group Dental Plan, Group Number 15887. The plan participant’s ID# is provided with your Delta Dental insurance card. This Plan allows the plan members to choose their own dental provider. The Delta Dental issued dental cards in June.

Dental Plan Administrator

Delta Dental
P.O. Box 997330
Sacramento, CA 95899-7330
1-800-765-6003

Please inquire about your dental providers billing policies before service is rendered.

Direct Deposit

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. Direct Deposit is set up through the Workday system.

Faculty Grant Program

Funding is available for research, professional development, and curriculum. Contact the Director of Teacher Development’s Office for more information.

Faculty/Staff Partnership

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.

Family & Medical Leave Act

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 DSJ Flexible Spending Account Participants Handbook for details on qualified expenses.

Life Insurance

All full-time employees of the Diocese of San Jose receive a life insurance policy from Unum Provident that is 1x their annual pay.  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
to $500,000

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

Long Term Disability

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.

Lunch Program

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.

Medical

AMHS makes available Blue Cross and Kaiser 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 100% and 68% of the total premium depending on the plan you choose.

Open enrollment is May 21st through June 15th with an effective date of July 1st.

Carrier Customer Service  Prescription
Kaiser 1-800-464-4000   Kaiser RX
1-800-464-4000
Blue Cross #PO/PPOs 1-888-722-1077 Envision RX
1-844-852-7437
Blue Cross HSA 1-88-722-1077 Anthem HSA RX
1-888-722-1077

If you do not have a Medical or Prescription card, call your provider’s Customer Service number.

Benefit Cost for 12 Months Employees Per Pay Period

Deductions 7/1/16-6/30/17                                          

Provider EE Only EE + Spouse  EE + Children   EE + Family
Kaiser No Cost $175.42 $149.82 $242.79
Anthem EPO  No Cost $229.79 $176.78 $319.52
Anthem HSA  No Cost $197.55 $152.26 $275.55
Anthem PPO $107.50 $240.97 $186.31  $333.39

Benefit Cost for 10 Months Employees Per Pay Period

Important: Your annual benefit premium will be charged and collected within a 9-month period; between September 1st through May 31st (18 pay periods)
Deductions (on 18 pay periods) 9/1/16 - 5/31/17 
Provider EE Only EE + Spouse  EE + Children   EE + Family
Kaiser No Cost $233.90 $199.97 $323.72
Anthem EPO  No Cost $306.39 $235.85 $426.03
Anthem HSA  No Cost $263.40 $203.02 $367.40
Anthem PPO $143.33 $321.29 248.42 $444.53

Eligibility Rules

  • All benefit eligible employees working 20+ hours per week.
  • Eligible dependents: spouse (as defined by state law), and children under age 26.
  • Employees who plan to enroll their dependents in the DSJ health plan will be required to provide documentation of dependent eligibility during enrollment in order for dependent's coverage to be approved. (Spouse -Marriage certificate, Child- Birth certificate, Adoption/Legal Guardianship-Court documents)
  • For detailed information go to Retatrust.org and review "Eligibility & Enrollment" summary.

Paid Family Leave

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.

Pension Plan

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.

Social Security

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.

State Disability Insurance

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.

Tax Sheltered Annuity (403b)

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 can be accessed through the Workday system. This amount will be automatically deducted from your paycheck and submitted electronically to your financial institution.  Maximum annual deduction for the 2015 calendar year is $24,000 if the employee is at least 50 years old; or $18,000 for employees that do not meet the age or service requirements above.

For more information, please contact the IRS.

Tuition Benefits

After an AMHS teacher or staff member has worked three consecutive years as a full-time employee at any time during her or his career, her/his children are eligible to attend Archbishop Mitty at a reduced rate of tuition.  As long as the qualifying teacher or staff member is working at least 3/5 or 60% of full-time at the time her/his children attend AMHS, the family will receive the following discounts:  65% tuition reduction for the first child, 75% reduction for the second child attending AMHS at the same time as the first, and 100% reduction for the third child attending AMHS at the same time as the first and second children.

In the case in which two AMHS faculty/staff members are married (and both are qualified by having worked at least 3 consecutive years full-time and by both continuing to work at least 3/5), then their children will receive a 100% reduction.  Please note that the registration fee for each child must be paid by the family each year.  Teachers and staff members intending to make use of this benefit should contact the CFO to arrange for billing of a reduced tuition rate. 

Unemployment Insurance

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

Vision coverage is provided through Vision Service Plan (VSP). Kaiser provides their vision service at your local Kaiser Health Centers. 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.

Voluntary Benefits Program

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 maximum

II. LINCOLN SUPPLEMENTAL INSURANCE POLICIES

The Lincoln 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. You can contact Lincoln at 1-800-423-2765.

Workman’s Compensation

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