Lawchangeopenswayforcovering
unmarriedchildrenuptoage29
Doyouhaveanunmarriedadultson ownemployer.Theymustliveorworkin atwww.pef.orgassoonasitbecomes
ordaughterundertheageof30whohas NewYorkstateorthehealthinsurance available.
T
E
S
startedworkinginajobwithouthealth company’sservicearea,andnotbe TheYoungAdultOptionistheresultof
O
insurance? coveredbyMedicare. arecentchangeinstatelawthatalso
Ifyoudo,startingJanuary1,theymay TheYoungAdultOptiondoesnotapply affectsmanyotherprivatehealth
N
beabletoenrollforcoveragethroughthe tovisionordentalplans. insuranceplans,butnotself-insured
NYSHealthInsuranceProgram’snew Youngadultcoveragewillrequirea plans.
YoungAdultOption. separateindividualenrollmentinthe Tolearnmore,visitthestate
Underthisnewoption,theyarenot plan,beyondwhataparentpaysfor InsuranceDepartmentWebsiteat
L
T
H
requiredtolivewithyou,befinancially familyenrollment. http://www.ins.state.ny.us/faqs/faqs_S6
dependentonyouorbeastudenttobe Sofar,thestateDepartmentofCivil 030_Age29_young.htm.
E
A eligibleforcoverage. Servicehasnotdecidedtherateforthe —DeborahStayman
Theymustbecoveredunderthe YoungAdultOptionoranyother
H
sameplanastheparent.Andthey NYSHIPoptionsfor2010.Rate
Tradedaysoff
mustbeineligiblefor informationwill
insurance beposted
forlowerhealth
through online
their
ins.premium
Ifyouarewillingtotradeuptothree
daysofyourvacationorpersonalleave,
youcanreduceyour2010health
insurancepremiumsbyupto$500.But
youmustdoitbyNovember27.
Underanegotiatedagreement,the
ProductivityEnhancementProgram
(PEP)allowsstatePS&Temployeesin
salarygrades17orlowertoexchangeup
tothreedaysofaccruedvacationand/or
personalleaveforacreditofupto$500
towardtheirshareoftheirNYSHealth
InsuranceProgrampremiums.
Thecreditisdividedby26paychecks
andappliedagainstyourpremium
’09deadlinesfor’10benefitschoices
deductionsonabiweeklybasis.
Theenrollmentperiodfor2010
•November16–HealthCare •November30–Pre-Tax
openedOctober26andclosesNovember
SpendingAccount(HCSAccount)and ContributionProgram(PTCP).ThePTCP
27,2009.Ifyouarealreadyparticipating
theDependentCareAdvantage couldreduceyour2010incometaxes
inthe2009PEP,itwillnotautomatically
Account(DCAAccount).Thesebenefits (payablein2011)byallowingyoutopay
carryforwardinto2010.Youwouldneed
couldreduceyour2010incometaxes foryourstatehealthinsurancepremiums
tore-enroll.
(payablein2011)byallowingyoutoset deductedfromyourpaybeforetaxesare
Toenroll,PS&T-unitemployeesmust
asidepre-taxsalaryearnedin2010to withheld.IfyouparticipateinthePTCP,
meetallofthefollowingcriteria:
payforhealthcareexpensesthatarenot youcanmakethefollowingchangesonly
•Beinajobtitleatorbelowgrade17;
reimbursedbyhealthinsuranceor,inthe inNovember:Changefromfamilyto
•Haveacombinedtotalofatleast
caseoftheDCAAccount,yourdependent individualcoveragewhileoneormore
eightdaysofvacationandpersonalleave
careexpenses.Also,thestatewilladdto dependentsarestilleligiblewhenthere’s
leftaftertradingtimeinfortheinsurance
anyearningsyousetasideforthe noqualifyingevent;Voluntarilycancel
credit;and
DCAAccount.Formoreinformationorto yourcoveragewhileyou’restilleligible
•BeaNYSHIPcontractholderin
enrollineitherorbothprogramsgo whenthere’snoqualifyingevent;orOpt
eithertheEmpirePlanoranHMOatthe
onlinetowww.flexspend.state.ny.us,or outofthePTCP.
timeofenrollment.
call(800)358-7202. •Deadlinedatetobeannounced–
Part-timeemployeesmayparticipate
•November27–Productivity NYSHIPoption.Thepremiumratesfor
onaproratedbasis.
EnhancementProgram(PEP).Eligible 2010havenotbeensetyetforthevarious
Teachersonthestate’sinstitution
full-andpart-timeemployeesmay statehealthplans.PS&Temployeesare
payrollmayexchangeuptothreedaysof
exchangepreviouslyaccruedvacation entitledto30daysfromthedatetherates
personalleaveforcreditof$166.66per
creditsand/orpersonalleaveinexchange aredeliveredtothestateagenciesto
dayandarenotsubjecttotheminimum-
foracreditofupto$500tobeapplied changetheirhealthplanoption.The
leaverequirement.
towardtheemployee’sshareoftheir rates,whichwillbemailedtoyou,are
Formoreinformationortorequestan
healthinsurancepremium.(Fordetails, usuallysetinNovember.Noactionis
enrollmentform,contactyouragency’s
seearticlethispage.) requiredifyoudonotwishtochange
personneloffice. — LorraineSimpkins
Page8—TheCommunicatorNovember2009
healthplans.
PEFInformationLine:1-800-553-2445
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