NEW EMPLOYEE BENEFIT PACKAGE
Union Affiliation: BTF
New Hire Health Insurance & Benefits Presentation
The Benefits Office will be holding webinars to help our new hires understand their health insurance coverage and benefit options. This voluntary 45-minute webinar will provide staff with the information needed to make an informed choice regarding their health insurance and benefit options. Employees have 30 days from the effective date of their assignment to enroll in health benefits.
New Hires must register at least one hour before the webinar to receive the Zoom link.
August 17, 2022
9:30 am – 10:30 am
August 24, 2022
9:30 am – 10:30 am
August 30, 2022
1:30 pm – 2:30 pm
August 31, 2022
9:30 am – 10:30 am
September 6, 2022
3:30 pm – 4:30 pm
September 12, 2022
3:30 pm – 4:30 pm
September 15, 2022
3:30 pm – 4:30 pm
THERE ARE THREE REQUIRED FORMS THAT YOU MUST COMPLETE AND SUBMIT TO THE BENEFITS OFFICE
WITHIN 30 DAYS OF HIRE TO ESTABLISH YOUR BENEFITS.
INSTRUCTIONS ON HOW TO COMPLETE AND SUBMIT ELECTRONIC FORMS HERE
- Health Insurance Enrollment Form OR
- Waiver Form if you decline to enroll in District Health Insurance
- Group Life Insurance Enrollment Form
- Employee Notification Acknowledgement
- Pre-Tax Retirement Savings - 403(b) and/or 457(b) Deferred Compensation
- Health and/or Dependent Care Flexible Spending Account
- Employee Assistance Program
Failure to return all required forms, completed in their entirety, will result in a processing delay.
Health Insurance Eligibility
There are four (4) premium Blue Cross Blue Shield of WNY plans for you to choose from. You may choose to have single or family coverage. View the eligibility guidelines to determine who can be considered a dependent for family coverage.
Health Insurance Effective Date
The effective date of the insurance coincides with your hire date unless you submit your completed enrollment forms more than 30 days post your hire date. Then, your effective date is the first of the following month.
*Important: Temporary Teachers must be employed for a minimum of 100 days, and be on the payroll at the end of the school year, to qualify for summer benefits. If you are a Temporary Teacher and are hired after January 26, 2022, please contact Benefits@Buffaloschools.org to discuss eligibility for summer health insurance. Probationary Teachers qualify for summer benefits.
Information on how to choose the best plan for your family.
Traditional Insurance - There is no network to choose from, so this plan provides the flexibility of going to any medical provider. (It is imperative that I go to Doctor X, no matter what!)
Plan A may work for an employee/dependent(s) who travels extensively, especially internationally, for multiple weeks or for someone/dependent who has a unique medical situation for which they need specialized services and/or equipment. This plan has a $150 single, $300 family deductible (in addition to bi-weekly payroll contribution), which the employee must meet before insurance kicks in. Please review the services on pages 3 & 4 of the detailed chart above, as those tend to require a 20% co-insurance of the cost of the service/procedure/equipment. This means the District pays 80% of the bill, and the employee is responsible for 20% of the bill (out of pocket maximum is $500 single and $1000 family).
Point of Service – Enrollees must choose from doctors enrolled in the network, or be required to pay co-insurance for the cost of their service. (It is not imperative that I go to Doctor X. I can find another highly qualified doctor, in my area, that is enrolled in the BCBS network).
Plans B, C, and D may work for an employee/dependent(s) who generally remains in the Western New York region for the majority of their time, and is not experiencing unique medical situations that need specialized services and/or equipment. These are generic POS plans, with the majority of services requiring a $15 co-pay, which helps an employee/dependent(s) budget for medical costs for the year (x number of doctor’s visits/year x $15 = out of pocket expenses).
Differences between these three plans are Durable Medical Equipment, Prosthetic Devices, Diabetic Supplies, Skilled Nursing Facilities, and Out of Network (travel and specialization). You are greatly encouraged to review these differences in the comparison chart (above) and ask yourself questions about your current and future health insurance needs to decide among the three.
The Benefits Office is unable to advise on choosing a health insurance plan. The Patient Protection and Affordable Care Act requires Group Health Plans to provide a Summary of Benefits and Coverage for each available plan. These comprehensive descriptions are designed to provide standardized information for the purpose of comparison.
Complete Plan Documents are available here:
To find out if a doctor is in the Highmark BCBS of WNY network, visit:
2021 - 2022 Health Contributions
There is no difference in the bi-weekly payroll contribution based on the plan you select. Employee shall contribute to health insurance, over the course of ten (10) months, through pre-tax payroll deductions, based on your choice of family or single coverage.
Deductions will be pro-rated for those employees who begin employment with the District after July 1st.
FULL-TIME (PROBATIONARY OR TEMPORARY)
Coverage Bi-weekly Annual
Single $28.58 $600
Family $71.43 $1,500
Your application will be processed when your appointment is approved by the Board and all completed paperwork and required documentation is received in the Benefits Office.
Health Insurance Waiver
If you are receiving health insurance coverage from another source, you are eligible to participate in the Waiver Program, which entitles you to $100 per month in lieu of health insurance. The enrollment form is processed when received by the Benefits Office on the first of the following month. This benefit is not retroactive. Payments are made in January for the previous years' enrollment and are subject to tax.
If you are married to a Board of Education Employee you are only eligible for one family policy. The employee not enrolled in health insurance may take advantage of the Waiver Program by completing the form. The form is listed as 1a at the top of this webpage.
Group Life Insurance
Life Insurance is provided at no cost to you. You are required to have a form on file to identify your beneficiaries. It is also advisable to update this form periodically as you experience life-changing events. Life insurance is only provided for the employee and ceases upon separation from the District.
Age 70 and older
Age 60 but less than 70
Age 50 but less than 60
Less than age 50
Learn more about your rights to health insurance and benefits, including detailed information on Employee's Responsibility for Health Insurance, Open Enrollment, Summary of Benefits and Coverage, COBRA, HIPAA, the District's Grandfathered Status of the ACA, the Women's Health and Cancer Rights Act, Newborns' and Mothers' Health Protection Act, and Exchange Notice.
Retain this Employee Notification for your records.
DENTAL & VISION BENEFITS
These supplemental benefits are provided by your union. More information is available on the BTF website. Contact the union to enroll or with any questions at 716-881-5400.
Flexible Spending Account (FSA)
The Flexible Spending Account program is a benefit that enables you to place pre-tax dollars in an account for healthcare or dependent care expenses. Employees determine the amount to contribute for the year via payroll deductions. The plan year runs from January 1st through December 31st, 2022
Medical FSA -
This may be right for you if
- Have co-pay or co-insurance for doctor's appointments during the year,
- Purchase eyeglasses or contacts, or laser eye surgery
- Purchase over-the-counter
- cold & allergy medication,
- joint & muscle pain relief medication, and/or
- acne & skin care products
- Purchase feminine hygiene, prenatal vitamins, and/or nursing & lactation products
- Purchase medical equipment including thermometers, baby monitoring systems, massagers, or humidifiers
- Purchase diabetic supplies
- Purchase hearing aids, dentures, braces, crutches, or blood pressure monitors
- Search FSA Store for all categories
- Maximum annual election - $2,850 maximum
- Minimum annual election - $200 minimum.
- $570 Roll-over feature. Up to $570 in unused funds can roll from one plan year to the next. Any excess funds in excess of $570 will be lost. Rollover funds will become available on your P&A Card in April even if you do not re-enroll for the following year. Separation from service is the only circumstance that would prevent you from utilizing the rollover funds in the future.
- All eligible expenses must be incurred by December 31st. If you choose to use paper Reimbursement Claim Forms they must be submitted by March 31st.
- Dependent Care FSA - expenses that are eligible for reimbursement include such items as childcare and eldercare services. The Dependent Care FSA can help you pay your eligible out-of-pocket dependent care costs. Expenses are limited to household services or the care of one or more qualifying individuals (i.e., a dependent child less than age 13 or a dependent adult), while you are at work.
- Maximum annual election - $5,000 (if single or if married and filing jointly)
- Maximum annual election - $2,500 (if married and filing separately)
- Minimum annual election - $200
- A grace period of 75 days to incur expenses in the new plan year and have those expenses be paid out of the previous years' contributions. Unspent funds after the grace period expires are forfeited.
- Reimbursement Claim Forms must be submitted by March 31st.
Initial enrollment must occur within 30 days of hire or during the open enrollment period (November 1st – November 30th). Employees determine the amount to contribute for the year via payroll deductions. It is called your annual election. For 12-month employees, your annual election will be deducted over 26 pay periods and for 10-month employees, your annual election will be deducted over 19 pay periods. This will be pro-rated for newly hired employees or those who are enrolling due to life-changing events at a time other than the beginning of the calendar year.
TAX SHELTER ANNUITIES
ALL EMPLOYEES ARE ELIGIBLE to save for retirement by contributing to a 403(b) Plan and/or a 457 NYS Deferred Compensation Plan, through payroll deductions. There are two major benefits to participation in these tax shelter plans. First, you do not pay income tax on contributions until you begin making withdrawals from the plan, usually, after you retire. Additionally, earnings and gains are not taxed until you make withdrawals.
The District has contracted with The OMNI Group to administer the 403b Tax Shelter Program. Please visit their website at omni403b.com for further information or to download a Salary Reduction Agreement (SRA) to make changes to your existing account. (Please note that while the OMNI SRA has the availability to list multiple Service Providers, you may only choose ONE (1) provider for your payroll deductions.) To open a new account, please refer to the list of Participating Service Providers that has been provided below for your convenience.
For further information on the NYS 457 Deferred Compensation Plan visit their website at https://www.nysdcp.com/iApp/tcm/nysdcp/about/index.jsp or call the helpline at 1-800-422-8463. If you already are enrolled in the Plan and wish to make changes to your bi-weekly contribution, please contact NYSDCP.
Informational video on what is a tax shelter annuity and how to choose the best one for you:
2022 Maximum Allowable Contribution (MAC) limits
$20,500 or $27,000 if age 50 or older
Note: you may contribute to both a 403(b) and a 457 NYS Deferred Compensation Account.
Employee Assistance Program
The District provides an EAP service that provides free & confidential services to our employees and their family members who may be experiencing personal &/or work-related issues. Services included:
- Short-term Counseling
- Follow-up Services
ComPysch also has incredible resources on its website, that includes articles, slide shows, and training on the following topics:
Family & Relationships
Behavioral Health & Wellness
Older Adult Care
Legal & Financial
Access the Employee Assistance Program contact information to learn more.
- Health Insurance Enrollment Form OR