Health and Wellness Benefits

HEALTH AND WELLNESS

Medical Insurance

• Eligible full-time employees - premium is paid 75% by the college, 25% by the employee. For rate information click here.
• Eligible part-time employees(20 hours per week or more) - single premium is paid 75% by college, 25% by the employee. Family coverage may be purchased if employee pays the entire cost of family coverage less the 75% single amount paid by the college. For rate information click here.
• Includes in-network and/or out-of-network benefits, major medical, vision, prescription card.

Part-time employees who work less than 20 hours per week are not eligible for Medical Insurance.

CSM utilizes the CareFirst Maryland Preferred Provider Network. To locate "in-network" medical providers, visit www.carefirst.com , click on Provider Directory, then click on MD Preferred Provider Network.

In-network: deductible is $250/person, $500/family; $20 co-pay for office visits ($30 for specialists); most other services paid 90% by the plan/10% by the employee; annual out-of-pocket maximum $1,500/individual, $3,000/family.

Out-of-network: deductible is $500/person, $1000/family; most services paid 70% by the plan/30% by the employee; annual out-of-pocket maximum $3,000/individual, $6,000/family.

Return to List

Dental Insurance

• Eligible full-time employees - premium is paid 75% by the college, 25% by the employee. View rate information.
• Eligible part-time employees (20 hours per week or more) - single premium is paid 75% by college, 25% by employee. Family coverage may be purchased if employee pays the entire cost of family coverage less the 75% single amount paid by the college. View rate information.

CSM utilizes the Guardian DentalGuard Preferred PPO. To locate "in-network" dental providers, visit https://www.guardiananytime.com , click on Find a Provider, click on "PPO" under the Dental Plan drop-down menu, and click on "DentalGuard Preferred" under the Dental Network drop-down menu. Using in-network providers results in savings to you! If you do not wish to use an in-network provider, you may still do so and benefits will be paid as they have been previously. 

Part-time employees who work less than 20 hours per week are not eligible for Dental Insurance.

Basic services - satisfy $50 lifetime deductible, then plan pays 70% 1st year, 80% 2nd year, 90% 3rd year, 100% thereafter. Major services subject to $100 yearly deductible, then plan pays 50% of charges. Total yearly maximum benefit is $1,800 (effective January 1, 2011).

Return to List

Healthcare Spending Accounts

An eligible employee may enroll in a Healthcare Spending Account. This account will reimburse you with pre-tax dollars for healthcare expenses not reimbursed under your family's healthcare plan(s).  The maximum amount you may contribute to this account for the upcoming 2012 - 2013 plan year is $2,500. The amount is deducted from your salary before you pay taxes, resulting in a considerable tax savings. You submit eligible healthcare receipts to PayFlex and receive reimbursement directly from them. Some examples of eligible expenses include:  deductibles, co-pays, dental work not covered under the dental plan, orthodontia, vision care and products not covered under the vision plan, etc.

Return to List

Domestic Partner Coverage

Domestic partners and their dependents are eligible for the same CSM medical and dental benefits as those provided to married spouses and their dependents. The College of Southern Maryland defines domestic partners as two (2) individuals, of the same or opposite sex, who live together in a long-term relationship of indefinite duration. There must be an exclusive mutual commitment similar to that of marriage, in which the partners agree to be financially responsible for each other's welfare and share financial obligations, as verified by affidavit.

The value of insurance benefits provided to the domestic partner and his/her dependents is considered taxable income to the employee by the Internal Revenue Service and is subject to social security and federal and state income tax withholding.

Return to List

Life Insurance

• Eligible full-time employees receive basic life insurance in the amount of 2 times salary, to a maximum of $100,000, at no cost to the employee.
• Supplemental life insurance in increments of $25,000, to a maximum of 5 x annual earnings or $500,000, may be purchased (rates are age-based). Medical underwriting is required for amounts over $250,000. Spouse coverage is available up to 50% of employee's coverage amount, to a maximum of $75,000. Child Life is also available in the amounts of $5,000 or $10,000 (covers one child or multiple children, inclusive). Paid 100% by the employee.
• Subject to medical underwriting if not elected when first hired.
• View rate information.

Part-time employees are not eligible for life insurance.

Return to List

Long Term Disability

• Eligible full-time employees receive basic long-term disability insurance, which would pay a benefit of 60% of monthly base pay ($6,000 monthly maximum) beginning on the 90th day of a disability. There is no cost to the employee.

Part-time employees are not eligible for LTD insurance.

Return to List

Short Term Disability (SICK LEAVE POOL)

Eligible full-time employees may join the Sick Leave Pool to ensure a measure of income protection during the LTD elimination period, (the 21st work day to the 90th day of disability). Employees may enroll within the first 30 days of full-time employment or during open season by donating 3 non-refundable days of sick leave to the pool.  Sick leave pool days are paid at 75% of salary.

Part-time employees are not eligible for the Sick Leave Pool.

Return to List

Long Term Care Insurance

Eligible full-time and part-time employees may purchase Prudential Long-Term Care Insurance, which would help to cover the cost of nursing home, assisted living, or home health care. The premiums are based on age at the time of enrollment, so the younger you or your eligible family member is, the lower the premium can be. The policy is completely portable; if your CSM employment ends, you will be billed by Prudential for your premiums at the same rate. Eligible employees are guaranteed issue within 31 days of hire date. Medical underwriting will be required if coverage is requested after this 31 day period. A spouse, domestic partner, parent, parent-in-law, grandparent, or grandparent-in-law purchasing the coverage would be subject to medical underwriting.

Return to List

Employee Assistance Program (EAP)

Call toll-free 888-456-1324: The college offers an Employee Assistance Program through Ceridian LifeWorks. LifeWorks provides free, confidential help with personal and work-related issues 24 hours a day, 7 days a week. Call LifeWorks to speak to a consultant or visit their website at www.lifeworks.com (User ID=csmd; Password=lifeworks) for additional information and assistance. Please view the Ceridian flyer for additional information on the services provided by LifeWorks.

Return to List

Employee Wellness Center Activities

The Wellness Center helps individuals attain an optimal level of health and well-being. The center sponsors contests, offers positive lifestyle courses, lunch-time learning seminars (Health Breaks), health screenings, and informative pamphlets about a variety of health-related topics.

Return to List

Time-Off for Fitness Program

Employees who participate in wellness activities on CSM campuses are able to use up to one hour per week (additional 30 minutes 2 days per week), Monday through Friday, for fitness activities, with their supervisor's approval. Non-exempt employees on time sheets should record this time in column 8 (Other) on their time sheet. An employee will be required to come in earlier, stay later, or shorten his/her lunch break to compensate for any time used in excess of the additional half-hour.

Return to List

Fitness Exercise Lab

Fitness centers are located on the La Plata, Leonardtown, and Prince Frederick campuses and are open to all employees free of charge. The centers house various strength training equipment, free weights, exercise bikes, treadmills and elliptical trainers. The LaPlata campus offers an indoor pool which is also free to employees. Individualized fitness equipment orientations are provided free of charge by appointment. Physical fitness assessments are offered by certified Fitness Trainers for a minimal fee.  Employees may register for group fitness classes. No tuition is required for the classes, but employees are responsible for paying any course-related fees.

All employees may join the Fitness Exercise Lab by showing evidence of current employment and registering for WFS9990. This gives them access to all three fitness centers and the pools located on the LaPlata and Leonardtown campuses.

Return to List