Employee Benefits

Summary of Benefits and Coverage
HSA Welcome Kit

Summary of Benefits and Coverage

Summary of Benefits and Coverage

Summary of Benefits and Coverage
HSA Welcome Kit

A participating member of the college’s health plan can continue the group health plan benefits, through the Consolidated Omnibus Budget Reconciliation Act (COBRA), for a limited period of time under certain life qualifying events in which the coverage under the plan would otherwise end. A participating member with a COBRA qualifying event will receive a COBRA notice in the mail following the event.

Florida KidCare Brochure

The Flexible Spending Account (FSA) allows you to set aside a certain amount of money on a pretax basis, increasing your spending power and tax savings.

When calculating your annual reimbursement amount, take into consideration the services to be provided during the upcoming plan year for you and your dependents.

FSA is an annual benefit and does not roll over year to year. Employees are required to sign up and designate their amount every year during open enrollment.

To access your account go to http://www.eaglesbenefits.com/ or call 1-800-726-5603.

Health Care FSA

This account reimburses you up to $2,550 for healthcare expenses not covered by insurance. Reimbursement includes individual and dependent expenses for medical, prescription, dental, and vision out-of-pocket costs.

Certain expenses such as vitamins, supplements, weight-loss programs, massage therapy, and over-the-counter items do require a doctor’s prescription or letter of medical necessity to be cover.

For a list of all eligible expenses, please review the IRS Publication 502.

Flexible Spending Account Brochure

Enroll For Flexible Spending Account

Technology & Resources Handout

Dependent Care FSA

This account reimburses you up to $2,750 or $5,000 if married and filing jointly for eligible children and adults daycare expenses. Reimbursement includes daycare centers, preschool and before/after school care.

Eligible dependents must be:

• A child under the age of 13, or
• A child, spouse, or other dependent that is physically or mentally incapable of self-care and spends at least eight hours a day in your household.

• Allstate Cancer Brochure
• Low Option Plan
• Cancer and Specified Rider
• Policy

Allstate Supplemental Health Insurance

Critical Care Protection Brochure

 Supplemental Cancer Plan Brochure

The Health Waiver, Dental Vision Plan is only available to those who waive health insurance coverage. The Dental/Vision Plan option was designed as an alternative plan for employees with other adequate health insurance and is an employer-paid benefit for employees only.

• 2023 Dental / Vision Plan with Rates (.pdf)
• 2024 Dental / Vision Plan with Rates (.pdf)
• 2024 Dental Vision Plan (.pdf)
• Coordination of Benefits (.pdf)
• Dental Certificate of Coverage (.pdf)
• Ameritas Dental Brochure (.pdf)

Ameritas Dental Low Plan (.pdf)

Dependent Eligibility Requirements include:

• Legal Spouse
• Each child through the end of the calendar year in which they turn age 30, for whom the insured or the insured’s spouse, is legally responsible.
• The child must be dependent upon the employee for support and either living in the household or is a full or part-time student.
• Each child age 30 or older who is totally disabled or becomes totally disabled while insured as a dependent.

Ameritas Dental High Plan (.pdf)

Dependent Eligibility Requirements include:

• Legal Spouse
• Each child through the end of the calendar year in which they turn age 30, for whom the insured or the insured’s spouse, is legally responsible.
• The child must be dependent upon the employee for support and either living in the household or is a full or part-time student.
• Each child age 30 or older who is totally disabled or becomes totally disabled while insured as a dependent.

The Health Waiver, Dental Vision Plan is only available to those who waive health insurance coverage. The Dental/Vision Plan option was designed as an alternative plan for employees with other adequate health insurance and is an employer-paid benefit for employees only.

• 2023 Dental / Vision Plan with Rates (.pdf)
• 2024 Dental / Vision Plan with Rates (.pdf)
• 2024 Delta Dental VSP (D-V) Vision Waiving Health Coverage (.pdf)
• Coordination of Benefits (.pdf)
• Dental Certificate of Coverage (.pdf)
• Dental ID Card and Website (.pdf)

Ameritas Vision Plan Options

2023 VSP Vision Plan Brochure (.pdf)

2024 VSP Vision Plan Brochure (.pdf)

VSP Choice Network. 25 provider locations within 25 miles of zip code 32504. For added convenience, 8 of them offer evening and weekend appointments.

Online in-network options. Eyeconic.com is VSP’s in-network online eyewear store – which means you won’t have to pay the full price now, then wait to be reimbursed later. Your vision benefits will be applied directly to your online order.

EyeMed ViewPointe, emphasizes in quality care and convenient service that fits in with employees busy lifestyles. EyeMed network includes the choice between independent and retail providers. Advantages of retail chains are same-day service, evening and weekend hours and walk-in appointments.

2023 EyeMed Vision Plan Brochure (.pdf)

2024 EyeMed Vision Plan Brochure (.pdf)

The Standard Life Insurance (.pdf)
The Standard Life Certificate (.pdf)
The Standard Beneficiary Form (.pdf)
The Standard Enrollment and Change Form (.pdf)
The Standard Evidence of Insurability (EOI) Form (.pdf)
The Standard Life Services Toolkit (.pdf)
The Standard Travel Assistance (.pdf)

Dependent Life Insurance Coverage is available for all eligible dependents for $3.16 per month.

Spouse:  $20,000
Child:     $10,000 / $500 (under 6 months)

• Your lawful spouse, including a legally separated spouse. You may not cover your spouse as a dependent if your spouse is enrolled for coverage as an employee.
• Your unmarried children from 14 days but less than age 19.
• Your unmarried children age 19 or over but under age 25 if they are full-time students at an accredited school.

Retirees have the option to participate in one of the four retiree basic group life insurance options. Retiree group basic life insurance options are available at the time of retirement. Coverage cannot be reinstated if declined.

Life Coverage Options

• $5,000 for $14.95 per month
• $10,000 for $29.90 per month
• $25,000 for $74.75 per month
• $50,000 for $149.50 per month

Benefit Reduction: Coverage amounts reduce 35% at are 65 and 50% at age 70, additional 25% reduction at age 75+. There is no reduction for the $5,000 policy.

Life Insurance Enrollment Form

Life Insurance Beneficiary Form

Supplemental Life and Accidental Death & Dismemberment (cost is .277 per thousand of coverage per month)

• Up to 3 times employee’s salary with a minimum of $1,000 and a maximum of $500,000 (as elected by the employee)
• Accelerated living benefits
• Waiver of premiums is available to qualified employees who have been totally disabled for six months while insured
• 24-hour coverage
• Paid for injury which results in accidental death, dismemberment, or loss of sight

Have you thought about what would happen to your earning potential if you were to become totally disabled? You will be faced with the financial burden of daily living expenses, in addition to immediate and long-term debt, without means to cover those obligations.

Group Voluntary Disability Insurance is a relative inexpensive way to provide for your family and loved ones in the event you are disabled by protecting your biggest asset – your ability to earn a paycheck. This type of benefit is offered through your employer, and paid for through the convenience of payroll deductions.

Short and Long Term Disability Package (.pdf)

The Pension Plan is part of the Florida Retirement System. It’s a traditional retirement plan designed for longer service employees, with a vesting period requirement of eight years of service. The guaranteed retirement monthly benefit is based on the employee’s age, salary and years of service, among other factors. The state requires that employees contribute 3% and employer portion is determined by the state each July.

FRS Pension Plan Beneficiary Form (.pdf)

The Investment Plan is part of the Florida Retirement System. This plan is a portable retirement plan designed for mobile employees. The vesting period requirement is only one year of service. The retirement benefit amount is based on contributions, investment returns and account fees, among other things that contribute to the account growth. The state requires that employees contribute 3% and employer portion is determined by the state each July.

FRS Investment Plan Beneficiary Form (.pdf)

The Deferred Retirement Option Program (DROP) was implemented July 1998. An eligible participant may retire and instead of receiving his/her monthly benefit, the amount will be paid into the employee’s DROP account, which earns interest. The employee continues to work for the College up to the date in which the participant’s DROP period ends.

• MetLife
• 2023 Retiree Rate Sheet
• 2024 Retiree Rate Sheet
• Annual Notice of Prescription Drug Coverage and Medicare

Retirees have the option to participate in one of the four retiree basic group life insurance options. Retiree group basic life insurance options are available at the time of retirement. Coverage cannot be reinstated if declined.

Life Coverage Options

• $5,000 for $14.95 per month*
• $10,000 for $29.90 per month*
• $25,000 for $74.75 per month
• $50,000 for $149.50 per month

Benefit Reduction: Coverage amounts reduce 65% at age 65, 50% at age 70, and an additional 25% reduction at age 75+.

Life Insurance Enrollment Form

Life Insurance Beneficiary Form

*The $5,000 and $10,000 life insurance policy will not reduce at any age.