District 1201 32BJ

MEDICAL DENTAL, VISION AND PRESCRIPTION COVERAGE
Building Service 32BJ provides your medical, prescription, dental, and vision coverage. Coverage for new employees will be effective on the 90th day of employment. Information and enrollment materials can be obtained by calling 877-605-8300 or visit their website, http://www.32bjfunds.org/.

 

 

Life Insurance

The Hartford offers two types of Term Life Insurance policies.  The Basic Plan is administered by the Employee Benefits Department (215-400-4630).  The Voluntary Life plan is administered by Benefits Harbor (888-391-3841).  To enroll in the Voluntary Life plan online, please click here:  https://www.memberbenefitlogin.com/ees/psd.html

In the event of your death in active service, your beneficiary will receive this payment amount.

BASIC TERM LIFE INSURANCE

Basic Term Life Insurance is a plan that pays your designated beneficiary (ies) a fixed payment amount in the event of your death.  The School District’s plan pays a Death Benefit only.  There is no cash value associated with the plan.  You are eligible for a term life insurance policy of $25,000 at no employee cost.

Wage Continuation

Wage Continuation is an optional salary continuation coverage you can purchase when you are first hired or during the annual Open Enrollment period.

Effective September 24, 2022 the maximum benefit period is as follows:

10-Month employees:   108 days

12-Month employees:   130 days

View your balances on the Payroll Application:

How do I check my leave balance?

You can view your leave balance through the Employee Payroll Information application or by checking your paycheck. Your School District of Philadelphia email name and password are used for access. If you do not know the name and password, call the Technology Help Desk at (215) 400-5555 for assistance. Please note that the balances shown are all subject to a post separation audit. Your paycheck references this.

From the School District of Philadelphia main website (http://www.philasd.org) go to the Employee Portal. In the Employee section, enter your email name and password.  Your email user name should exclude the “@philasd.org” designation.

Launch the “Payroll Information” application. Enter the last four digits of your social security number when prompted.  You can then select Leave Balances tab.

Wage Continuation is the School District of Philadelphia’s (SDP) salary continuation program. You may elect coverage to protect yourself from sustained salary loss due to an illness or non-work related injury that extends beyond your sick time.

Should you become ill and exhaust all accumulated sick leave, at the conclusion of a short waiting period (0-7 days), you will be compensated a daily amount consistent with 75 percent of your salary for up to 26 weeks, pursuant to SDP approval.  Expectant mothers may use this benefit to continue their salary for 6-8 weeks from the date of birth of the baby.

In order to qualify for the continued salary benefit, you must be enrolled in the program prior to the injury or illness and your absence will be monitored by the Office of Employee Health Services.

*Enrollment in the Wage Continuation program does not guarantee eligibility of use. You must be approved by the Health Services Department for use of this program. Review the How Do I Use the Benefit? for more information.

Who is eligible for this benefit?

This benefit is extended to benefits eligible employees, as outlined in the Collective Bargaining Agreement. Student Climate Staff are not eligible for this program.

When and how can I enroll?

New employees may enroll at the beginning of SDP service; however, you will not be eligible  for the program until after you have completed probation, at which time your premium contributions will begin to be deducted from your pay..

After your first 30 days of hire, you can enroll or disenroll during the Annual Open Enrollment. Open Enrollment period held May 1 to May 31 with an effective date of July 1  for cancellation and August 16 for enrollment.

Before completing the form, we suggest that you review the deduction examples below.  This benefit can be costly, depending on how many sick days you have in your bank. It is typically very costly for employees with small unused sick banks.

When does my coverage begin?

Coverage for new employees who enroll at the beginning of SDP service after probation. At that time, premium contributions will begin to be deducted from your pay.

Coverage for employees who apply during Open Enrollment will begin at the start of the new school year, August 16, after employees are advanced Personal Illness leave for the upcoming school year. This applies to 10 and 12 month employees.

What does the deduction look like on my paycheck and how much will I have to pay?

Premiums paid for the Wage Continuation program are non-refundable.

The cost of this indemnity program is dependent upon the amount of your accumulated sick leave, number of years of service, and salary.

Contributions are evaluated at the time of enrollment and at the start of each school year. At that time, you will be placed in the appropriate plan, as detailed in the charts below. Each plan type has an associated premium and “corridor days”.

“Corridor days”, also known as annual waiting period, are the days that you are required to wait between the use of your last sick day and the when your Wage Continuation payments start. The waiting period that must be completed once each school year, and ranges from 5 to 7 work days.

What does it looks like on my paycheck?

Your paycheck includes two indicators of your enrollment in the program. Please refer to this Sample Pay Stub for an example.

There is a box labeled “H.I. PLAN” under the box that contains the “EMPLOYEE NAME”. Enrollment is indicated by a code that shows how many corridor days you have and the range of accumulated sick days which your enrollment was assessed. Here are examples of the code and what it means:

You can also view your Wage Continuation balance through the Employee Payroll Application portal by following the below instructions:

You can view your leave balance through the Employee Payroll Information application. Your School District of Philadelphia email name and password are used for access. If you do not know the name and password, call the Technology Help Desk at (215) 400-5555 for assistance. Please note that the balances shown are all subject to a post separation audit. Your paycheck references this.

From the School District of Philadelphia main website (http://www.philasd.org) go to the Employee Portal. In the Employee section, enter your email name and password.  Your email user name should exclude the “@philasd.org” designation.

Launch the “Payroll Information” application. Enter the last four digits of your social security number when prompted.  You can then select Leave Balances tab.

How can I cancel participation?

To cancel coverage, complete the Wage Con Cancellation form and submit during the annual open enrollment in May, effective July 1. You may only cancel coverage during the Open Enrollment period May 1 through May 31 for a July 1 effective date.

How do I use this benefit throughout the year?

*Enrollment in the Wage Continuation program does not guarantee eligibility of use. You must be approved by the Health Services Department for use of this program.

If you find yourself in a situation where you cannot return to work due to illness or injury (not work related), you must coordinate your absence with the Employee Health Services (EHS) department.  Completing the following steps will ensure a smooth transition:

For absences over 3 consecutive days, submit an Extended Illness Form SEH-3  to EHS.
You will receive a letter from EHS scheduling an appointment for you to visit the SDP’s physician for review of your absence.
You will continue to use all accrued (banked) sick days until you have none left.
Upon approval of your continued absence, you will have a waiting period between your last sick day and when Wage Continuation payments begin.  Waiting periods are listed above in the “How much will I have to pay”section and range between 0-7 work days, depending on which plan you are enrolled in.
Wage Continuation payments continue until you are cleared to return to work. Payments may continue for up to six months.
You may contact Health Services at (215) 400-4660 or by e-mail at employeehealth@philasd.org Their office is located at 440 N. Broad Street, Rm 134, Philadelphia, PA 19130

How much do I have to pay?

Please review carefully.

Below are the bi-weekly rate charts and examples calculating premiums.  Important: All premiums paid for the Wage Continuation program are non-refundable.
Refer to the chart below that explains the bi-weekly rate charged for participating in the Wage Continuation Program. The bi-weekly rate is per every $100 of salary.

Note: Premiums for employees are typically high if there are a limited number of unused sick days that are accumulated.

The “quick” way to find your bi-weekly premium is by doing the following calculation:

Formula:    Biweekly Gross pay ÷ 100 × Rate from chart = Biweekly premium
Example        $1,693.41                   ÷ 100×           $0.31          =       $5.25

*Note that the purpose of this formula and calculation is to give an approximate value of the biweekly deduction. Actual biweekly deduction amounts may vary.

Employee’s share rate per $100 gross per paycheck

Wage Continuation Premium Rates. Rates based on every $100 grossed
Accumulated Sick Leave	Total Annual Waiting Period	Employee Share After 3 years of Employment	Employee Share First 3 years of Employment
Less than 10 days	7 work days	$3.15	$2.10
10 but less than 30 days	6 work days	$4.50	$1.50
30 but less than 60 days	5 work days	$0.52	$0.52
60 but less than 90 days	4 work days	$0
90 but less than 120 days	3 work days	$0
120 but less than 150 days	2 work days	$0
150 but less than 180 days	1 work days	$0
180 days and over	0 work days	$0