Online Benefits Open Enrollment

Enrollment and Benefits Resources

Summary Benefits Information for 2015

Benefits Enrollment Guide for 2015 [pdf]

Comparison of Medical Plan Benefits [pdf]

Comparison of Dental Plan Benefits [pdf]

Medical Rates [pdf]

Dental Rates [pdf]

Domestic Partner Coverage

Authorized FSA and HSA Expenses

HSA Enrollment/Change Form [pdf]

Retirement Salary Reduction Agreement [pdf]

Excellus Website for St. John Fisher College

Excellus HealthyRewards Program


Learn More

On November 11 and 18, a representative from Excellus will be on campus to answer your medical and dental benefits questions.

Date: November 11
Time: 9:00 a.m. – 12:00 p.m.
Location: Campus Center Atrium (across from the dining hall)

Date: November 18
Time: 9:00 a.m. – 12:00 p.m.
Location: Campus Center Atrium (across from the dining hall)

For questions regarding benefit changes for 2015, you may also contact the Human Resources office at (585) 385-8048 or at hr@sjfc.edu.

The annual benefits open enrollment for 2015 will take place from November XX through November XX, 2014 (ending at 4:30 p.m.). All changes will be effective January 1, 2015.

The elections you make when you enroll during annual enrollment will be in effect for all of 2015 unless you experience a qualifying/life event. If you experience a qualifying event, you will have 30 days from the date of this event to make any changes and documentation will be required.

All benefits-eligible faculty and staff must go online to update their benefit elections or review their current elections for 2015 using our online system. In addition, if you want to contribute to a pre-tax Dependent Care Spending Account or Health Care Spending Account, or your are enrolled in the Consumer Directed HDHP health plan and wish to contribute to a Health Savings Account (HSA), you must elect those contributions during annual enrollment for the upcoming year.

If you do not have an HSA or a Flexible Spending Account (FSA) for medical or dependent care expenses, and you do not want to make any benefit changes, there is nothing you need to do.


Open Enrollment Procedures

  1. First review the Frequently Asked Questions (FAQs) [pdf] document. This document contains the most frequent questions posed regarding benefit options and instructions for enrolling.
  2. To update your benefit elections for 2015, you can log on to https://myfisherbenefits.hrintouch.com. The enrollment system will be available starting November 8. If you did not retain your username and password from last year’s open enrollment or from when you created your login information as a recent new hire, please contact Benefitfocus at 1 (866) 822-8688.
  3. When you log in to the system, please review your personal information including your current address. If an update is needed, please complete a Change of Address Form [pdf] and return this document to the Human Resources Department to update your records.
  4. When you log in to the system, please review your dependent information. You must ensure that your dependent information is accurately entered in order to receive dependent coverage under medical, dental, dependent care flexible spending account, life, and voluntary personal accidental death and dismemberment insurances. Note: Domestic partners are only eligible to participate in medical and dental benefits.

Summary Benefits Information for 2015

Health Savings Account

The maximum you may elect for single coverage is $2,850 and for family coverage is $5,650. The College also contributes $500 for single coverage and $1,000 for family coverage to your account. If you are age 55 or over in 2015, you can save an additional $1,000 in catch-up contributions.

Because the College also contributes to your HSA Account, new enrollees in the Consumer Directed HDHP must complete an application for the Bank of Castile, located on the open enrollment website.

Upon reaching age 65, you and/or your spouse can no longer contribute to an HSA, although you can remain in the HDHP plan.

Domestic partners are not eligible for this benefit.

Health Care Flexible Spending Account (FSA)

A Health Flexible Spending Account allows you to pay for certain health and dental expenses (such as copayments, deductibles and non-reimbursable expenses like eye glasses) that are not covered by insurance. This money is not taxed and may be used to reimburse you for the eligible out-of-pocket medical expenses you incur throughout the year, after submitting the appropriate claims and supporting documents.

Contributions to a Medical FSA are limited to $2,500 per year. Over the counter medications are not reimbursable through an FSA.

Domestic partners are not eligible for this benefit.

Dependent Care Flexible Spending Account (FSA)

The Dependent Care Flexible Spending Account Plan allows you to pay for dependent care expenses for children under the age of 13 or an older dependent who is physically and/or mentally incapable of self-care. You can elect to contribute up to $5,000 per year to this account.

To be eligible for reimbursement, the expense must be incurred so that you and your spouse can work, look for work, or continue to attend school as a full-time student. This money is not taxed and may be used to reimburse you for the eligible dependent care expenses you incur throughout the year, after submitting the appropriate claims and supporting documents. Expenses claimed under your Dependent Care Flexible Spending Account must be for the care of your eligible dependents (i.e., not for medical expenses). Costs incurred for education, overnight camp or enrichment programs (e.g., music or computer camp) may be either partially or completely ineligible for reimbursement. Consult IRS Publication 503 or your personal tax advisor if you have any questions about eligible expenses.

Domestic partners are not eligible for this benefit.

Basic Life Insurance

The College provides one times base salary of term life insurance to all eligible employees, up to maximum of $160,000. You do not need to elect this coverage and employees do not contribute to the cost.

Supplemental Life Insurance

Employees may elect to purchase supplemental term life insurance of 1, 2, or 3 times your base annual salary. The total Basic and Supplemental Life Insurance benefit cannot exceed $460,000. Life Insurance amounts are reduced at age 70.

You will be required to provide a Personal Health Application to the life insurance carrier (The Hartford Group) if your election of Supplemental Life is above $250,000. While awaiting approval from The Hartford Group for the additional coverage, you will be covered for your current election or up to the guaranteed amount only, if applicable. Any additional coverage amount is not effective until it has been approved in writing by the carrier.

Spouse and Dependent Life Insurance

Evidence of Insurability (EOI) – which you provide by submitting a Personal Health Application - is required only for spousal coverage. Evidence of Insurability is not required for dependent children coverage. Spouse and Dependent Life Insurance that is not elected in the new hire process will be subject to Evidence of Insurability. If you increase the amount of your spouse life election, you will be required to complete a Personal Health Application. This coverage is not effective until it has been approved in writing by the carrier.

Basic Accidental Death and Dismemberment (AD&D) Insurance

Accidental Death and Dismemberment Insurance (AD&D) pays your beneficiary a death benefit if you die due to a covered accident while you are insured. It also pays you a benefit for certain accidental injuries. AD&D covers losses that occur away from work or at work.

You do not need to elect this coverage and employees do not contribute to the cost.

Supplemental AD&D Insurance

This supplemental AD&D insurance is purchased in $10,000 increments on an after-tax basis. You may elect to purchase up to a maximum of 10 times your annual compensation in supplemental AD&D insurance to a maximum of $500,000 in benefit coverage. This amount reduces at age 70.

Employees may purchase the insurance for themselves and their family members.

Domestic partners are not eligible for this benefit.

Note: You may not cover your dependent if such dependent is covered as an employee under the policy. No person can be insured as a dependent of more than one employee under the policy.

This notice is provided for information purposes only for eligible faculty and staff, and does not constitute a legal contract. St. John Fisher College reserves the right to amend or terminate any of the plans or programs described in this notice at any time. Further, there may be certain coverage limitations or features based on carrier contract and/or College policy. In cases where discrepancies occur, the Plan Document or other relevant plan materials will be the ruling and binding instrument.

Copyright © St. John Fisher College • 3690 East Avenue, Rochester, New York 14618 • (585) 385-8000
Questions/Comments? - Email the Webmaster Website Terms of Use