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Employee Benefits - 2025 Information:
Risk Management & Insurance - Employee Benefits:
Retirement Information:
Benefits at a Glance
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Eligibility
- Full-time, regular employees who work at least 30 hours per week and job-sharing employees.
- Part-time, regularemployees in two or moreauthorized positions, totaling 30 hours or more per week
- Benefits are effective the first day of the month following 60 days of employment in a benefits-eligible position.
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PCS Board Contribution
- When you enroll in medical insurance, PCS will pay a significant amount towards the cost of your health insurance.
- If you do not enroll in a PCS-sponsored medical plan, you are eligible to use up to a $75 per pay credit toward the cost of eligible supplemental benefits. To identify these benefits, look for the ♦ diamond throughout this page.
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Be SMART Employee Wellness
From onsite wellness programs to fitness and weight loss discounts, and much more, our wellness program has something for everyone, regardless of age, health status, and lifestyle. Employees enrolled in Aetna's health insurance may participate in Limeade, a wellness platform with wellness activities, challenges, and rewards.
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Employee Assistance Program
- Confidential assistance with a variety of personal issues, Including
stress, depression, parenting, marital or family problems, child/
elder care, legal, or financial issues. - You, your spouse, dependents, and any person living in your
household can receive up to eight visits per year, per person, and
per issue at no charge.
- Confidential assistance with a variety of personal issues, Including
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Hospital Indemnity Plan (HIP) ♦
The plan pays a cash benefit for hospital admission, hospital
confinement, and inpatient rehabilitation. -
Medical Insurance
- Choose from four Aetna medical plans: Aetna Select Open Access, Choice Share Plan, and the CDHP with a Health Reimbursement Account (HRA), and the Basic Essential. All four plans include prescription drug coverage.
- Enroll your spouse and/or eligible dependent children through the end of the year in which they turn 26.
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Disability Insurance ♦
- Employees only
- Coverage is based on your salary, you choose the benefits waiting period of 14, 30, or 60 days until benefits begin.
- Two Options to choose from: 2 year Disability or Social Security Normal Retirement Age (SSNRA)
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Dental ♦
Humana Advantage Plan
- Choose your dental provider from the list of participating dentists.
- No deductible, you pay copays for services.
- No Charge for preventative services, including routine exams and no annual maximum benefit.
MetLife Preferred Dentist Program (PDP)
- Choose a participating MetLife Dentist or any dentist from 100,000 dentists nationwide and over 100 in Pinellas County.
- Reduce your out-of-pocket expenses when you choose a participating MetLife Provider.
- Pay annual deductibles of $50 per individual, $150 per family maximum, and then coinsurance.
- No Charge for preventive services.
- The plan pays up to the maximum annual benefit of $1,250 per family member.
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Vision Plan ♦
- If you enroll in the vision plan, your employee-only coverage is paid by PCS. You may enroll your eligible dependents in the vision plan for an additional cost.
- Participating optical centers include Lenscrafters, Target Optical, Eyeglass World, America's Best and several independent doctors of optometry and ophthalmology.
- Receive one vision exam and lenses every calendar year and frames every other year for you and your covered dependents for reasonable co-payments—with no claims to file.
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Flexible Spending Accounts
Health Care Flexible Spending Account
- Deposit tax-free dollars: minimum of $10/pay up to a maximum of $3000/year
- Reduce your federal income and Social Security taxes.
- Get reimbursed from your account for eligible medical, dental, and vision expenses not covered by a health plan.
Dependent Care Flexible Spending Account ♦
- Deposit tax-free dollars: minimum of $10/pay up to a maxi-mum of $5,000/year (depending on your marital and tax-filing status).
- Reduce your federal income and Social Security taxes.
- Get reimbursed from your account for eligible dependent care expenses.
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Retirement
Florida Retirement System (FRS)
- PCS and you contribute to the FRS. You choose from two plans, the FRS Investment Plan and the FRS Pension Plan.
- FRS Investment Plan is a 401(a) plan. After one year of service you are fully vested in your account balance.
- FRS Pension Plan. After eight years of service, you are vested and eligible for a pension benefit based on age and years of service.
Supplemental Retirement Program
- You choose to deposit pre-tax dollars via payroll deductions in to a 403(b) or 457(b) plan or after tax dollars into a Roth 403(b) plan.
- Choose from a variety of investment programs.
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Life and AD&D Insurance
Life Insurance
- Board-paid basic life insurance equal to one times (1x) your annual salary rounded up to the next $1,000 ($15,000 minimum coverage).
- You can elect optional life insurance for yourself and your eligible dependents:
- Employee term life insurance (subject to medical under writing): up to $500,000.
- Optional dependent term life insurance (subject to medical underwriting):
- Spouse: up to $100,000 maximum (limits apply).
- Child(ren): up to $10,000 maximum.
- Optional family term life insurance: $5,000/dependent.
Accidental Death & Dismemberment (AD&D) Insurance ♦
- Board-paid basic AD&D insurance equal to $2,000.
- You can elect optional AD&D insurance for yourself and your eligible dependents:
This page contains only a summary of plan highlights. Complete details are set forth in the individual plan documents and summary plan descriptions. If there is any discrepancies between this flyer and the official plan documents, the plan documents will govern. PCS reserves the right, in its sole discretion, to amend, change, revise, or terminate any benefit plan at any time. These plans and your eligibility for coverage are not an employment contract. They do not guarantee you the right to continued employment with PCS.
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Need to Contact Us?:
Important Benefit Contact Numbers & Websites
Feel free to Contact Us - (Risk Management - Staff Directory) if you have any questions.
FLEX Plan:
Your Benefits and Wellness Program includes a FLEX Plan option (IRS Section 125 Cafeteria plan) that offers you beneficial tax advantages, enabling you to lower your annual tax liability and increase your take-home pay.
To change your benefit elections, you must submit an enrollment & change form along with supporting documentation to Risk Management within 31 days of the qualified change in status. Please contact us at 727-588-6197 with any questions.
Life Events/Changing Your Insurance:
Life changes. People get married, have babies, get divorced or leaving PCS and may need to change their benefit elections during the year. If you experience a life event, you may request a change in your elections within 31 days of the date of the life event.