Long-Term Disability (LTD) Plan Information

Insurance Carrier: UNUM

Group #: 366070

UNUM webpage - www.unum.com

UNUM Customer Service: (800) 421-0344

Long-Term Disability Benefit Summary

Long-Term Disability Evidence of Coverage Class 1 (Certificated employees with 5+ years of credited California service)

Long-Term Disability Evidence of Coverage Class 2

Long-Term Disability Forms

Long-Term Disability Claim Packet

Long-Term Disability Spouse Claim Packet

​Life insurance is an important benefit that is often overlooked.  Because we are concerned with the well-being of you and your family, a Basic Life policy was purchased on your behalf to offset any expenses that are the result of your untimely death or injury.  In the event of your death, this employer paid coverage, provided through Guardian, pays a benefit to the beneficiary(ies) you name.  You are eligible for Basic Life Insurance in the amount of $50,000. 

West Valley-Mission Community College District also provides you with the same benefit level of the company paid Basic Life policy ($50,000) for Basic Accidental Death and Dismemberment (AD&D) Insurance.  AD&D Insurance provides your family with additional financial security if you die or suffer a severe injury such as loss of limb(s), sight, or permanent paralysis due to an accident.  No more than the full amount will be paid for all losses resulting from the same accident.

Your Basic Life and AD&D benefit will reduce by 50% at age 70.

Insurance Carrier: Guardian

Policy #: 00552948

Phone Number: 888-600-1600

Website: www.GuardianAnytime.com

Basic Life Insurance Benefit Summary

Basic Life Certificate of Coverage

Providing economic security for your family if you die, become disabled, or experience an injury or illness is a major consideration in personal financial planning. West Valley-Mission Community College District allows you the ability to purchase coverage for yourself and your dependents. You may purchase coverage through payroll deductions. You may enroll in amounts up to the guarantee issue amount during your new hire window without completing a Statement of Health (SOH). Any election above the guarantee issue amount or outside your new hire window will require a Statement of Health. The only exception to this is that if you are already enrolled, you may increase your coverage levels by one increment (up to the guarantee issue amount), at open enrollment without a Statement of Health. Elections requiring a Statement of Health require approval from MetLife before being issued.

Voluntary Life and AD&D Plan Information

Insurance Carrier: MetLife

MetLife website: www.metlife.com

MetLife customer service: (800) 438-6388

Group #: KM05589969

Voluntary Life and AD&D Benefit Summary

Voluntary Life and AD&D Evidence of Coverage

Forms

Voluntary Life Statement of Health  

Voluntary Employee Life Insurance

Employees may purchase voluntary life insurance in increments of $10,000, up to a maximum of $500,000. 

Statement of Health Required: for newly hired employees when coverage amount is above $250,000; for existing active employees with any new enrollment or increase in coverage.

Spousal Voluntary Life Insurance

Employees may purchase voluntary life insurance coverage for their spouse in increments of $10,000, in an amount up to 100% of the employee's enrolled amount or $150,000, whichever is lesser. 

Statement of Health Required: for newly hired employees when coverage amount is above $20,000; for existing active employees with any new enrollment or increase in coverage.

Child Voluntary Life Insurance

Employees may purchase voluntary life insurance for their child (or children) in increments of $2,000 up to a maximum of $10,000.

Statement of Health Required: not applicable for newly hired employees; for existing active employees with any new enrollment or increase in coverage.

Voluntary Accidental Death & Dismemberment Insurance (AD&D)

AD&D insurance provides protection to you or your beneficiaries in the case of an accidental death or serious injury.  AD&D does not cover a death resulting from illness or natural causes.  You may enroll at the employee only level or at a family level.  Coverage is in increments of $50,000 up to a maximum of $250,000.  If you enroll at the family level, the benefit amount is a percentage of your elected amount, as follows:

Employee Only: 100% of elected amount

Employee + Spouse: The spouse benefit is 50% of the employee amount

Employee + Child(ren): The child(ren) benefit is 15% of the employee amount

Employee + Family (Spouse & Child(ren): The spouse benefit is 40% of the employee amount and the child benefit is 10% of the employee amount.

Rates

Employee & Spouse Voluntary Life Coverage Rates

* Age banded rate changes take effect on the first of the month following or coinciding with the birthdate.

**Voluntary spouse life insurance terminates on the date the spouse turns 70.

Dependent Child(ren) Voluntary Life Coverage Rate

Monthly Rate per $2,000 of coverage is $.20

Voluntary AD&D Rates

Open Enrollment Provisions

If you are already enrolled in employee voluntary life insurance, spouse voluntary life insurance, and/or child voluntary life insurance, you may increase your coverage by one increment ($10,000 for employee or spouse, $2,000 for child) at open enrollment, up to the guarantee issue amount ($250,000 for employee, $20,000 for spouse, $10,000 for child).  You may change your voluntary AD&D election at open enrollment.

Flexible Spending Accounts (FSAs) are a tax-saving way to pay health care and dependent care expenses that you would typically pay out-of-pocket (e.g., deductibles, copays, day care expenses). The FSAs let you pay these expenses with pre-tax dollars. Each year that you would like to participate in the FSAs, you must elect your amount you want to contribute to either or both of the FSAs. Your contributions will be deducted from your paychecks in equal installments throughout the year and deposited into your accounts.

FSA Plan Information

The district's Flexible Spending Accounts are administered by Employee Benefits Corporation (EBC).

EBC website - www.ebcflex.com

EBC Customer Service: (800) 346-2126

Healthcare FSA

2022 Annual Maximum Contribution: $2,750

Eligible expenses under the healthcare FSA include medical, dental, and vision expenses for yourself, your spouse or your dependent children.  Please see this list of Healthcare FSA Eligible Expenses for examples of what types of products and services are considered eligible expenses.

Enrollment in the healthcare FSA provides you with a Benefits Card.  The Benefits Card is a debit MasterCard that debits your healthcare FSA when you use the card to pay for eligible health care expenses.  Please be aware that some uses of the Benefits Card will require itemized expense documentation to be submitted in order to verify the transaction.

Dependent Care FSA

2022 Annual Maximum Contribution: $5,000 per household ($2,500 if you are married and file your taxes separately)

Eligible expenses under the dependent care FSA include expenses for services that allow you and your spouse (if you are married) to work or attend school full time.  These services generally include day care, babysitters, most day camps, and caregivers for dependent children under age 13 and disabled dependents.

Important FSA Provisions

FSAs offer sizeable tax advantages.  The trade-off is that these accounts are subject to strict IRS regulations, including the following:

• The IRS has a strict "use it or lost it rule": If you do not use the full amount in your FSAs by the end of the plan year, you will lose any remaining funds.  EXCEPTION: Our plan has what is called a grace period.  The grace period allows employees an additional 2 1/2 months in which to incur claims against the prior plan year.

• All claims must be submitted within 90 days of the end of the plan year.

• In the event of employment termination or unpaid leave, claims must be submitted within 90 days of termination date of first day of unpaid leave.

• Once you enroll in the FSAs, you cannot change your contribution amount during the year unless you experience a qualified status change.

• You cannot transfer funds from one FSA to another.
  

Commuter Plan

The Commuter plan allows you to use pre-tax dollars for your daily commuting expenses (to and from work), including transit and parking. This could save you as much as 30% on transit and parking - which adds up to a very powerful benefit and a substantial take-home bonus to your paycheck. West Valley-Mission Community College District allows you to enroll in the Transit benefit or the Parking benefit.

Commuter Plan Information

The commuter plan is administered by Employee Benefits Corporation.

Commuter plan webpage - www.ebcflex.com

Commuter plan customer service: (800) 346-2126

CommuteEase Participant Brochure

CommuteEase Online User Guide

CommuteEase Summary Plan Description

Transit Benefit

When you use public transportation for your daily commute (e.g. trains, buses, subways, vanpooling), you're making a smart choice.  You are choosing a commuting solution that reduces fuel, congestion and pollution.  If you choose to enroll in this benefit, you are able to set aside $280 per month on a pre-tax basis ($280 is the 2022 allowance, amount subject to change annually), to be used to purchase transit passes in either of two forms:

Commuter Check Vouchers

• Use to purchase transit passes, tickets, cards, etc.
• Valid for 15 months

Commuter Check Card Prepaid MasterCard

• Participant uses card to pay for transit

If you use vanpooling, the monthly maximum amount is combined with the $280 above.  A vanpool is considered:

• Transportation between residence and place of work in a Commuter Highway Vehicle (CHV)
• Seating capacity of at least 6 (not including driver)
• At least 80% of the miles are for transportation between residences and place of work
• At least half the seating capacity of that van must be filled
• The van can be employer operated, employee operated, private or public

Parking Benefit

Parking your vehicle can be expensive.  Thanks to the Parking Benefit, now you can minimize that cost.  You can use this benefit to pay for parking at or near the business premises or at or near a location from which the employee commutes to work via mass transit.  If you enroll in this benefit, you can set aside $280 per month on a pre-tax basis ($280 is the 2022 allowance, amount is subject to change annually).  This amount is separate from the Transit Benefit above.  You can choose to receive the benefit as follows:

• Direct Pay - WiredCommute provides voucher for participant to pay provider directly
• Commuter Check Voucher - WiredCommute provides voucher for participant to pay provider directly
• Commuter Check Card Prepaid MasterCard - Participant uses this card to pay for parking
• Cash Reimbursement - Reimbursements are done through an online reimbursement form

Important information regarding the Parking Benefit:

• The following parking situations are NOT eligible under this benefit: temporary work locations, parking fee for a conference or meeting, a one day parking fee
• If you carpool and park, only the prime member (person with assigned parking spot) is entitled to the Parking Benefit
  

It is never too early to plan for your retirement and West Valley-Mission Community College District offers you options to help you reach your goals. You may enroll in the 403(b) and/or the 457 plans at any time throughout the year. Both are voluntary retirement accounts where you may put away money on a tax-advantaged basis. All investment choices allow for traditional pre-tax contributions and some offer the option of post-tax Roth contributions.

403(b) and 457 Information and Comparison Brochure

CalPERS 457 Enrollment Kit

CalPERS 457 Personal Phone Review Information

Annual Contribution Limits* 

* - Contribution limits for the 403(b) and 457 are subject to change annually.

403(b) Steps to Enroll

1. Go to www.altamontclair.org/vendors and in the drop down menu select West Valley-Mission Community College District as your employer.
2. A list of vendors who offer 403(b) plans for WVMCCD will populate.  This chart will tell you if the vendor offers a pre-tax plan and/or a Roth plan.
3. Select a vendor from the options available and set up a 403(b) account. You can find more data at www.403bcompare.com if you want to further compare the vendors.
1. You may set up your account directly with the vendor or you may enroll through a financial planner or tax consultant.
4. Go to the payroll section of the District webpage and click on the Forms tab.
5. Complete the 403(b) Before Tax or 403(b) Roth After Tax Salary Reduction/Deduction Authorization and Amendment Form
6. Return your completed form to the Payroll Department

You may enroll in a 457 administered by Alta Montclair or CalPERS Voya

Alta Montclair 457 Steps to Enroll

1. Go to www.altamontclair.org/vendors and in the drop down menu select West Valley-Mission Community College District as your employer.
2. A list of vendors who offer 457 plans for WVMCCD will populate.  Please note that you have to scroll down past the 403(b) vendors to find the 457 vendors. This chart will tell you if the vendor offers a pre-tax plan and/or a Roth plan.
3. Select a vendor from the options available and set up a 457 account.
1. You may set up your account directly with the vendor or you may enroll through a financial planner or tax consultant.
4. Contact Payroll for the form to set up a 457 with one of the vendors listed on the Alta Montclair website. Complete the form and return it to the Payroll Department.

CalPERS Voya 457 Steps to Enroll

1. Review information about the CalPERS Voya 457 by visiting calpers.voyaplans.com
2. Go to the Payroll section of the District webpage and click on the Forms tab
3. Complete the 457 Plan Enrollment Form and the 457 Plan Beneficiary Designation and return these forms to the Payroll Department
   

Employee Assistance Program (EAP)

Because unresolved personal issues can affect every aspect of one's life, including work performance, West Valley-Mission Community College District automatically provides you and your family with an Employee Assistance Program (EAP) at no cost to you. Call the EAP at (800) 834-3773 for confidential assistance with nearly any personal matter you may be experiencing. Licensed counselors are available 24 hours a day, 7 days a week, and can provide you with access to face-to-face counseling (up to three sessions per person per event), legal advice, financial consultation, medical advice, dependent care referrals, and other community referrals.

EAP Plan Information

EAP Administrator: Claremont EAP

Claremont EAP webpage - www.claremonteap.com

Claremont EAP Phone: (800) 834-3773

EAP Summary

EAP Orientation Video

Claremont Personal Advantage Login Instructions

EAP Peer Support Groups

EAP Positivity Center

EAP WorkLife Services

EAP Chatbot

EAP Evidence of Coverage

Claremont Personal Advantage is available to employees and family members of WVMCCD.  Claremont Personal Advantage has over 20,000 online resources at your fingertips, 24/7.  Resource and tools include: information on health, finance, legal issues, personal growth, stress, emotional wellbeing, family life, and more. 

Some of the services offered by the EAP include:

Counseling Services

• Depression and stress
• Co-worker conflicts
• Grief and loss
• Marital or family issues
• Alcohol/Substance abuse issues

Financial Consultation

• One 30-60 minute consultation per issue
• One credit report per intake year
• Budgeting
• Retirement planning
• Debt consolidation
• Financial Planning

Dependent Care Referral

• Referrals to child or elder care providers
• Referrals to home health care providers
• Tips on interviewing and monitoring caregivers
• Relocation and adoption information
• Child/Summer day camp

Legal Consultation

• Simple Will kit
• Divorce and custody
• Small claims or personal injury
• Drunk driving offenses
• Criminal offenses
• Adoption Assistance information
  

Credit Union Membership

As an employee of West Valley-Mission Community College District, you may join Santa Clara County Federal Credit Union.  Through this establishment, you have access to free/discounted checking accounts, auto and mortgage loans, credit cards, financial workshops and much more.

County Federal Credit Union webpage - www.sccfcu.org

County Federal Credit Union phone number: (800) 282-0700

County Federal Membership Packet

Use your travel assistance phone number to access:

• Hospital Admission assistance
  
• Emergency medical evacuation
• Prescription replacement assistance
• Transportation for a friend or family member to join a hospitalized patient
• Care and transport of unattended minor children
• Assistance with the return of a vehicle
• Emergency message services
• Critical care monitoring
• Emergency trauma counseling
• Referrals to Western-trained, English-speaking medical providers
• Legal and interpreter referrals
• Passport replacement assistance
  

Travel Assist Flyer

Travel Assist Wallet Card