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    NEW EMPLOYEE BENEFIT PACKAGE

     

    Union Affiliation: BEST

     

    BENEFITS CHECKLIST 

     

     

    INSTRUCTIONS ON HOW TO COMPLETE AND SUBMIT ELECTRONIC FORMS HERE

     

    New Hire Enrollment Forms

     

    1. Health Insurance and Employee Acknowledgement Form
    2. Health Insurance Survey & Affidavit (sent out by BEST union office once your health insurance enrollment form is submitted)
    3. Dental & Vision Enrollment Forms - Contact BEST union office at 716-332-2378 or BEST7127@gmail.com 
    4. Group Life Insurance Enrollment Form

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      Optional Benefits

    5. Flexible Spending Account for Health or Dependent Care Enrollment Form
    6. Commuter Benefit PlanEnrollment Form
    7. 403(b) Tax Shelter Annuity or 457 NYS Deferred Compensation AccountEnrollment Form

     

     

    HEALTH INSURANCE

    Plan B 204/204 Plus Point of Service (POS) Insurance

    A point-of-service plan requires the policyholder to choose an in-network primary care doctor and you may have to obtain referrals from that doctor if you or an eligible dependent require specialist's services. The plan still provides coverage for out-of-network services, but you will be required to meet a deductible and pay coinsurance for those services.  To review the services and equipment associated with this plan, view the complete Plan B Medical Document and the complete Plan B Prescription Document.

     

    You may choose to have single or family coverage. View the eligibility guidelines to determine who can be considered a dependent for family coverage.  

     

    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.

     

    To find out if a doctor is in the BCBS of WNY network, visit:

    https://www.bcbswny.com/content/wny/find-a-doctor.html.

     

    Health insurance is administered through the Buffalo Educational Support Team (BEST) office. 

    Please contact Christel Kasprzak at best7127@gmail.com or 716-332-2378 to determine your eligibility.  

     

    2022 - 2023 Health Contributions
    Employees shall contribute to a 12-month health insurance subscription, over the course of ten (10) months, through pre-tax payroll deductions, based on your choice of family or single coverage.  Employees hired after July 1st shall contribute an annual amount pro-rated based on their date of enrollment in insurance.  

     

    Coverage         Annual Limit          Bi-weekly Contribution
    Single              $275                      $13.10
    Family             $550                      $26.19

     

     

    DENTAL & VISION BENEFITS

    Dental Vision Logo

     

     

     

     

     

    These supplemental benefits are provided by your union. Please contact Christel Kasprzak at best7127@gmail.com or 716-332-2378 to determine your eligibility and receive enrollment forms.  

     

     

    GROUP LIFE INSURANCE

     

    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. 

    Group Life Insurance Enrollment Form  

     

    FLEXIBLE SPENDING ACCOUNT

    FSA Piggy Bank  

    Health Care FSA

    If you want to participate in a Health Care FSA, you must enroll during Open Enrollment.

    With a Health Care FSA, you set aside pre-tax dollars from your pay to be used for eligible healthcare expenses that you, your spouse, or your eligible dependents incur. Your contributions can range from $200 to $3,050 per year.

     

    You must incur eligible expenses between January 1st and December 31st to be reimbursed from the amount you contribute to your Health Care FSA in 2022.  There is a $570 rollover 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 2023. Separation from service is the only circumstance that would prevent you from utilizing the rollover funds in the future.

     

    Should you resign and/or retire during the 2023 plan year, you cannot use your Health Care FSA at a time after separation from Buffalo Public Schools.  Your card will be deactivated upon separation. Should there be unspent funds in the Health FSA when separation from the District occurs prior to the end of the plan year (12/31/2023), you will be provided with COBRA information. 

     

    Learn more about how a Health Care FSA works.

     

    P&A Group Flexible Spending Account Brochure

     

    ENROLLMENT ACTION

    You must read instructions first before attempting to enroll in FSA

    INSTRUCTIONS ON HOW TO COMPLETE OPEN ENROLLMENT REGISTRATION 

     

    Go to www.padmin.com to access/register your account and input your annual limit.   

     

     

     

     

     

    Dependent Care FSA

    If you want to participate in a Dependent Care FSA, you must enroll during Open Enrollment.

    A Dependent Care FSA allows you to set aside pre-tax dollars from your pay that can be used to reimburse expenses that you incur for the care of eligible dependents to enable you and your spouse to be gainfully employed. Your contributions can range from $250 to $5,000 per year per household.

     

    Eligible dependent care expenses must be incurred for the care of a dependent who lives with you and may include childcare for children under age 13 or adult day care for parents (it does not include long-term care expenses).

     

    A Dependent Care FSA cannot be used for your dependents’ health care expenses. Enroll in a Health Care FSA instead for these types of expenses.

     

    You must incur eligible expenses between January 1st and December 31st to be reimbursed from the amount you contribute to your Dependent Care FSA in 2023.  There is 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.  Reimbursement Claim Forms must be submitted by March 31st.  Unspent funds after the grace period expires are forfeited. 

     

    Should you resign and/or retire during the 2023 plan year, you cannot use your Dependent Care FSA at a time after separation from Buffalo Public Schools.  Your card will be deactivated upon separation and you will have 30 days to submit a claim for eligible expenses incurred before your separation date.  You will forfeit any remaining funds. 

    Learn more about how a Dependent Care FSA works.

     

    P&A Group Flexible Spending Account Brochure

     

    ENROLLMENT ACTION

    You must read instructions first before attempting to enroll in FSA

    INSTRUCTIONS ON HOW TO COMPLETE OPEN ENROLLMENT REGISTRATION 

     

    Go to www.padmin.com to access/register your account and inout your annual election.   

     

     

     

    GROUP LIFE INSURANCE

    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. 

     

    ENROLLMENT ACTION

    Click HERE to access the Life Insurance page and scroll down to submit the form associated with your union membership.

    INSTRUCTIONS ON HOW TO COMPLETE AND SUBMIT ELECTRONIC FORMS HERE

     

    COMMUTER BENEFITS PLAN

    Parked Cars
     
    The commuter benefits plan allows you to set aside money – tax-free – for mass transit and parking expenses associated with your employment.  Participating in the Commuter Benefit Plan will enable you to save taxes on the money you use to pay for work-related mass transit and parking. You may elect to reduce your taxable pay by the amount you expect to pay for parking and or transit. The amount you elect is withheld from your paycheck. Your payroll withholdings are credited to an account that is available to pay the cost of your eligible expenses.  

     

    Parking (tax shelter the cost of your Parking expenses)

    • Maximum annual election -  $300 per month
    • Minimum annual election -   $10 per pay

     

    Mass Transit (tax shelter the cost of your Mass Transit expenses)

     

    • Maximum annual election - $300 per month
    • Minimum annual election -  $10 per pay

      

    ENROLLMENT FORM

    Commuter Benefit Enrollment 

     INSTRUCTIONS ON HOW TO COMPLETE AND SUBMIT ELECTRONIC FORMS HERE

     

    TAX SHELTER ANNUITIES

    ALL EMPLOYEES ARE ELIGIBLE to save for retirement by contributing to a 403(b) Plan and/or a NYS Deferred Compensation 457(b) Plan, through payroll deductions.  There are two major benefits to participate in these tax shelter plans.

    • You do not pay income tax on contributions until you begin making withdrawals from the plan, usually after you retire.
    • Earnings and gains are not taxed until you make withdrawals.

     

    403(b) Plan

    This is an employer-sponsored retirement plan offered to tax-exempt and municipal employers.  It is very similar to a 401(k), with the main difference being the 401(k) is for private sector employers.  A 403(b) offers you the opportunity save money from your paycheck pre-tax, so you will defer paying federal and state income taxes on your retirement account savings and their investment earnings until you withdraw the money at retirement. 

    To establish a 403(b) account, the employee contacts an advisor from one of the vendor's that the district does business with and he/she will help you put together a portfolio (see list below under Related Files).  The advisor will take into consideration many factors that include, but are not limited to:

        • What is your and/or your spouse’s age?
        • How many years will you continue to work before retiring?
        • What type of lifestyle do you want to live in retirement? Do you want to work part-time or not at all, travel or stay local?
        • How much risk are you willing to take?  You can invest conservatively with little to no risk, moderately invest with taking some risk or you can invest taking more risk

    Once you make these determinations, your advisor can assist you in setting up an account structure that is right for you.

     

    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.

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    NYS Deferred Compensation 457(b) Plan 

    This is a retirement plan, which is like a 401(k) for public service employees, that can help supplement your pension. It’s specifically designed for those who work for the state or local government, has the flexibility to adjust as your needs change, and can help you turn your salary into a more comfortable retirement.

    There are three approaches to investing with this plan, based on your level of comfort in managing retirement assets.

        • Do It For Me: Retirement Date Trusts – Choose a T. Rowe Price Retirement Date Trust based on when you will reach age 65.
        • Do It Yourself: Create a portfolio of investment options based on your investment strategy and tolerance for risk.
        • Specialty Options: A selection of special interest options such as opportunistic growth, environmental, social, governance, and self-directed.

     

    More information can be found at www.nysdcp.com or by calling the WNY Representative, Mark Wallace 1-716-903-7253.

    If you already are enrolled in the Plan and wish to make changes to your bi-weekly contribution please contact NYSDCP.

     

    Note: you may contribute to both a 403(b) and a 457 NYS Deferred Compensation Account.  

      

    2021 Maximum Allowable Contribution (MAC) limits

    $19,500 or $26,000 if age 50 or older

     

    Employee Assistance Program

     

    EAP with signs supportive effective voluntary confidential

     

    Access the Employee Assistance Program contact information to learn more. 

    ComPysch also has incredible resources on its website, that includes articles, slide shows, and training on the following topics:

     

    Communication Skills

    Personal Development

    Parenting

    Resilience

    Family & Relationships

    Behavioral Health & Wellness

    Older Adult Care

    Legal & Financial

      

    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. 

    • Assessments
    • Short-term Counseling
    • Referrals
    • Follow-up Services