Insurance Benefits

Group Term Life Insurance:
1. Full-time regular employees are eligible to enroll in Pratt Community College's group term life insurance plan, which provides $15,000.00 coverage per employee, giving the employee the right to name the beneficiary of his/her choice.
Full-time and part-time (.75 FTE or more) regular employees are eligible to enroll in a second group term life insurance plan which provides $20,000 coverage per employee, giving the employee the right to name the beneficiary of his/her choice.

2. 100% of the premium costs for this coverage will be paid by Pratt Community College.

3. Enrollment in the group plan is not mandatory, however, the employee who waives his/her right to enroll will not receive compensation equal to premium costs in lieu of the insurance.

Group Health Insurance:
1. Full-time regular employees working 12 months/year, 40 hours/week, are entitled to receive group health insurance based on continuous employment as follows:
Administrative: Family coverage
Professional: Single coverage
Classified: Single coverage

2. 100% of the premium costs for this coverage will be paid by Pratt Community College.

3. Enrollment in the group plan is not mandatory, however the employee who
waives his/her right to enroll in the coverage as provided above will not receive compensation equal to premium costs in lieu of the insurance.

4. Part-time regular employees working at least 9 months/year, 30-39 hours/week (not temporary, not seasonal) may purchase coverage under the group health plan at their own expense as required by the Affordable Care Act.

5. In accordance with state law, group coverage will be available to employees who are at least age 55 when they retire with KPERS, and have been employed with Pratt Community College on a continuous basis for at least five (5) years. The group coverage will be at the employee’s expense.
a. If the employee is currently enrolled on a single policy through the group health plan, no new adds (spouse and/or dependents) will be allowed.
b. The spouse of an eligible retiree will be allowed to remain on the retiree health plan if the spouse is currently enrolled on the plan as a family policy at the time of the employee retirement. Once the employee/retiree coverage is terminated, at the time of Medicare eligibility, the spouse coverage will also terminate. Because the spouse will lose coverage, continuation coverage will be offered.
c. Dependent children on the employee/retiree policy at the time of retirement will roll off according to Dependent Age Limitation criteria. When the retired employee’s coverage ceases, due to whatever reason (i.e., non-payment of premiums, death, etc.), a dependent child will not be allowed to remain on the retire plan through the employer. Because the dependent child will lose coverage, applicable limiting age options or applicable continuation coverage will be offered.
d. Coverage for eligible retirees and their dependents may cease:

  • When the retiree attains the age of 65;
  • When the retiree fails to pay the monthly premium to PCC by the 5th day of the current month coverage;
  • When the retiree becomes covered or becomes eligible to be covered under the plan of another employer.

A written application must be filed with the Personnel Director within thirty (30) days following retirement.

If coverage provided under this section is canceled, the subscriber and spouse/dependents would not be eligible for COBRA continuation benefits since no qualifying event originally occurred.
(Note: Section 5 also applies to retired faculty members.)

Revision Dates: 08-15-2017, 07-06-2015, 09-13-2012, 09-11-2007, 03-29-2005, 08-17-2004.

Policy Number: 

300-41

Policy Type: 

Administrative Policy

Adoption Date: 

Saturday, July 12, 1980

Review Date: 

Tuesday, August 15, 2017

Revision Date: 

Tuesday, August 15, 2017