PirateQ 
2025 Benefits Guide (State of Florida insurance)
Employee Assistance Program
About EAP
Pensacola State College Employee Assistance Program, provided through Lakeview Center, benefits employees, spouses, and dependent children. Three free counseling sessions are available for those who may need professional assistance in handling various types of personal and/or family issues. Appointments are kept confidential and names of those who seek counseling are not provided to PSC.
Life and Accidental Death and Dismemberment (AD&D)
- One America Basic Life and AD&D (.pdf)
Pensacola State College pays the premiums for $50,000 of the $75,000 Life and AD&D insurance with One America. Age reductions apply for coverage amounts. - Securian Life and AD&D
Pensacola State College pays premiums for $25,000 of coverage through the State of Florida. Employees may elect supplemental levels of coverage, based on salary and/or dependent coverage from Securian.
Disability Options
About Optional Short and Long Term Disability Package
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.
Retirement Options
About Pension, Investment, and DROP
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.
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.
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.