CFCC Employment Information

Employee Benefits Overview

Medical Insurance: choice of NC Teachers' & State Employees Comprehensive Major Medical (CMMP) or three levels of PPO (NC SmartChoice)

Please visit the State Health Plan website for full details on the choice of plans.
Choice of Basic (70/30), Standard (80/20), or Plus (90/10) coverage
Co-pay for primary physician services is $25 for Basic, $20 for Standard, and $15 for Plus coverage
Prescription Drugs $10-$50 dependent upon brand or generic and whether or not they are on the approved list
Deductible is $600 for Basic, $300 for Standard, and $150 for Plus coverage
Plan covers one eye exam per year
Coverage is reduced if you visit a physician outside of the BCBS Blue Options network.
Coverage Costs (per month, as of October 1, 2007) :

Coverage
	Smart Choice Basic	Smart Choice	Smart Choice Plus	PPO
	70/30	80/20	90/10	Preferred Provider Organization
Employee Only	$0	$0	$43.98	$346.38
Employee & Children	$150.66	$200.36	$269.78	$346.38
Employee & Spouse	$388.18	$461.64	$564.22	$346.38
Employee & Family	$413.46	$489.44	$595.52	$346.38

NC Teachers' and State Employees Retirement Benefits

Teachers' and State Employees Retirement Handbook
Enrollment is automatic and also mandatory
Employee contributions are deducted on a pre-tax basis equaling 6% of salary
State contributes varying amount determined by legislature each year
Life insurance, short-term disability, and long-term disability available under Retirement system (service credit conditions apply)

Voluntary Dental Insurance Provided by Ameritas

$50 deductible per person per calendar year (does not apply to preventive procedures)
Preventive Care covered at 100% (includes exams, x-rays, and cleanings twice per calendar year)
Basic care at 80% (includes sealants, fillings, oral surgery, and other procedures)
Major & restorative care covered at 50% (includes crowns, gum disease, dentures, bridges and other procedures)
Orthodontia procedures covered at 50% (after 1-year enrollment)
Maximum benefit of $1,500 per person per calendar year
$250 carry-over is possible up to maximum of $2500
- Submit a claim for covered dental expenses during calendar year
  AND
- Dental expenses do not exceed $750 in the calendar year
Premiums are paid for by employee (Spouse, child coverage available) :

Coverage - 12 deductions	Cost to Employee
Employee Only	$38.60
Employee & Spouse	$73.76
Employee & Children	$84.29
Family	$119.45

Voluntary Vision Provided by Superior Vision Services

PPO-list of area providers available
$20 co-pay for exam
Contacts or lenses - once per year, covers up to $100
Frames - once every 2 years, covers up to $100
Plan I - Full Service Plan
Plan II - Materials Only Plan

Coverage	Plan I - 12 deductions	Plan II - 12 deductions
Employee Only	$9.30	$5.90
Family	$23.36	$14.80

Medical & Childcare Flexible Spending Accounts

Plan year begins January 1 and ends December 31
Set money aside on pre-tax basis to pay for planned expenses
Medical, Dental, Vision flexible spending account ($3,600/yr. maximum)
Childcare Reimbursement ($5,000/yr. maximum)
Account access available online for monitoring balance

Other Optional Benefits

State Employee Credit Union Membership eligibility
Deferred Compensation Programs Including NC401K, 403(b), and 457
Metlife Auto Insurance payable through payroll deduction (quotes 10-15% current market rate)
Wachovia-at-Work Plan
Cancer, HeartCare Plus, Critial Illness and/or Short Term Disability Income Insurance through Wellington Benefits
Accident Only Insurance Plan

Leave Policies

Sick leave is earned at the rate of 8 hours per month for regular full-time employees
Vacation leave is earned at a rate based on total years of state service

Total Years of State Service	Hours Granted Each Month	Days Granted Each Year
Less than 2 years	7.83	11.75
2 but less than 5	9.17	13.76
5 but less than 10	11.17	16.76
10 but less than 15	13.17	19.76
15 but less than 20	15.17	22.76
20 or more	17.17	25.76

Vacation leave in excess of 240 hours on December 31 is converted to sick leave
Non-exempt employees are awarded compensatory time at the rate of one and one half hours for each hour worked beyond the regularly assigned 40 weekly work hours. If overtime occurs on weekends or holidays, the ratio moves to two to one.

Additional benefit information and helpful links provided by First Financial

If you have questions regarding benefits at Cape Fear Community College, please contact Allyson Greeson , Human Resources Generalist at (910) 362-7028

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