CSN Employee Benefit Highlights - Classified Staff

Here are some of the highlights with respect to employee benefits afforded to Classified Staff. This listing does not include all the facts and nuances about these programs, if you have any questions about these benefits, please contact The Human Resources Office at (702) 651-5800.

BENEFITS SUMMARY

HEALTH BENEFITS
•    Healthcare coverage includes medical, prescription, dental, and vision
•    Three choices for health care coverage
•    Low Deductible PPO Plan ($500 individual or $1000 family) *Deductible reduced by 50% for those employees who complete a “Health Assessment Questionnaire.”
•    High Deductible Major Medical PPO Plan ($2000 individual or $4000 family) *Deductible reduced by 50% for those employees who complete a “Health Assessment Questionnaire.”
•    HMO Plan
•    PPO Participants also have a $2500 wellness benefit that covers preventive care including annual physicals and examinations.  The wellness benefit is not subject to a deductible and has no co-pay
•    Employees participating in the health plan also receive the following benefits:
•    $20,000 basic life insurance for the employee
•    $20,000 accidental death and dismemberment insurance
•    $2,000 basic life insurance for the employee’s dependents.  
•    Long Term Disability that pays a benefit of up to 60% of your pre-injury wage to a maximum of $7500 per month if you have been disabled for at least 180 days.
•    $50,000 business travel insurance

RETIREMENT BENEFITS
•    Full-time employees or employees who work half-time time or more are required to participate in one of the following plans with the Nevada Public Employees' Retirement System (PERS).  Note: All full-time members are eligible to retire with 5 or more years of continuous services at age 65, 10 or more years of service at age 60 or with 30 or more years of service at any age.

    The Employee/Employer Contribution Plan requires that members have 10.5% of their gross salary deducted toward the retirement contribution and the employer matches 10.5%.  Under the Employee/Employer contribution plan, the employee paid contributions can be refundable without interest upon termination.

    For police/fire members you and your employer share equally in the contribution to PERS, currently 17.25% each.

    The Employer Paid Contribution Plan (EPC) reduces the employee's gross salary by 20.50% of the full retirement contribution based on the adjusted gross salary.  Under this plan, the employee DOES NOT have the option to a refund upon termination of employment.

    For police/fire members the EPC contribution rate is 33.50%.

MEDICARE
•    CSN participates in Medicare.  The employee pays 1.45% of gross salary and the College pays 1.45% of gross salary. 

LEAVE & HOLIDAYS
•    Annual Leave and sick leave:  Full-time employees will earn both annual and sick leave at the rate of 10 hours per month.  Employees must work 6 months to use annual leave.  Annual and sick leave is accrued at the end of each month.  Employees who work less than 100% FTE earn a pro-rated amount of leave.
•    Holidays.  11 paid holidays per year including: New Year's Day, Martin Luther King, Jr.'s Birthday, President's Day, Memorial Day, Independence Day, Labor Day, Nevada Day, Veterans' Day, Thanksgiving Day, Family Day and Christmas Day.

EDUCATIONAL BENEFITS
•    The Classified Training Program allows classified employees to attend a maximum of six credits per semester at CSN or UNLV in order to improve job performance or assist in obtaining a degree.  The college will pay for the tuition (per credit fee).  Employees are required to successfully complete their classes with a grade of "C" or better, or the employee is responsible for reimbursing the college for the amount of the fee waiver.  Classified Training assistance must be pre-approved by designated appointing authority and submitted for final approval to the Office of Human Resources before the last day of late registration.

•    In addition, Book Vouchers are available to classified employees to assist them with book payment each semester.  The amount of the book voucher cannot exceed $50.00 per course per semester.  A maximum benefit of $150.00 per year is allowed.

SECTION 125 PLAN OPTIONS
•    Health Insurance Premiums are pre-taxed under the College’s Section 125 plan.
•    Medical Flexible Spending Account
      - Employees can participate in a Medical FSA by contributing up to $6000 per fiscal year to cover out of pocket medical expenses including certain over the counter medication.
      - Medical FSA participants are automatically issued a debit card to use to pay for medical expenses.  The debit card functions as a regular MasterCard.
•    Dependent Care Flexible Spending Account
      - Employees who have children under the age of 12 or adult dependents can defer up to $5000 per fiscal year to cover child care or elder care expenses.
      - Dependent Care FSA participants may enroll in automatic monthly reimbursement, eliminating reimbursement delays for out of pocket expenses.  
•    FSA Administrative Fee.  Participation in the Medical FSA or Dependent FSA requires an administrative fee per year on an after-tax basis (for one or both plans).

SUPPLEMENTAL BENEFITS (EMPLOYEE PAID)
•    Term Life Insurance – The College offers term life insurance through two companies (Western Insurance Services and Standard Life Insurance).  Both companies offer guarantee issue coverage for new hires:
•    Standard Life Insurance – new hires are eligible to purchase up to $100,000.00 for themselves without proof of good health and up to $20,000.00 for their spouse.  Employees must elect coverage within 60 days of benefit eligibility.
•    Western Insurance Services – new hires are eligible to purchase up to $150,000.00 for themselves without proof of good health and up to $30,000.00 for their spouse.  Employees must elect coverage within 60 days of hire.  Life Insurance policy is underwritten by Aetna.
•    Long Term Care Insurance - The College offers a Long Term Care Benefit through Unum Provident.  New hires that elect coverage within 30 days of employment do not need to complete a medical questionnaire.  Open enrollment thereafter with proof of good health.
•    Cancer Care Insurance – The College offers two types of cancer plans for employees through American Fidelity.  Both plans provide coverage for actual charges incurred by a covered person for the treatment of cancer, leukemia, or Hodgkin’s Disease, subject to certain maximum amounts.  The plan is available to employees under the age of 65 who have not previously been diagnosed as having cancer.  Employee only and family plans are available.  Open enrollment, subject to health questionnaire.  
•    Short Term Disability – The College offers Short Term Disability insurance through American Fidelity.  The plan pays a benefit of up to 60% of the employee’s pre-injury wage once the employee has been disabled for at least 15 days.  The plan provides benefits up to 26 weeks of disability.  Open enrollment; no proof of good health.
•    Hospital Indemnity Plan – The College offers a cash-per-day “voluntary indemnity plan” through AFLAC.  The plan pays benefits for daily hospital confinement for illness or for accident related events.  Additional benefits are payable when you have a surgical procedure.  Cash benefits are paid directly to you.