Health and Wellness
See below for an overview of Fisher's comprehensive employee benefits package, as well as eligibility guidelines for employees and families.
Health Coverage
You may choose one of the following three plan options or you may decline health coverage:
- Excellus BlueEPO (EPO J)
- Excellus Simply Blue Hybrid
- Excellus BluePPO (HDHP)
Plan and Rate Options
Not Enrolling in Health Coverage
Employees who can attest to having other group health insurance may elect to opt out of Fisher's health coverage. Employees who choose this option will receive a credit of $840 annually. The amount of $35.00 will be credited to 24 paychecks as taxable income over the plan year. You will need to waive health coverage and attest to having other coverage in the benefits enrollment system every year in order to receive the $840 annual opt-out.
Additional Information
Dental Coverage
You may choose one of the following two plan options or you may decline dental coverage:
- MetLife Dental - Low Option
- MetLife Dental - High Option
Plan and Rate Options
Vision Coverage
You may choose the following vision plan or you may decline vision coverage:
- VSP Vision
Plan and Rate Options
Health Savings Account
A Health Savings Account (HSA) provides a way for you to designate pre-tax dollars to pay for certain medical expenses. You must be enrolled in BluePPO (HDHP) to be eligible for the HSA.
Eligible employees who elect employee only BluePPO (HDHP) coverage will receive an annual University contribution of $500; employees who elect employee/child(ren) or family coverage will receive an annual University contribution of $1,000. In 2022, employees may contribute additional pre-tax monies up to $3,150 for single coverage ($3,650 total) and $6,300 for employee/child(ren), or family coverage ($7,300 total). Employees age 55 and over also may contribute up to an additional $1,000 as a catch-up contribution. If you select the Simply Blue Hybrid or BlueEPO (EPO J) plans, or if you waive medical coverage, you are not eligible for this benefit.
If you are age 65 or older and enrolled in any part of Medicare - including Part A - you cannot contribute to an HSA. Learn more about How Medicare Enrollment Impacts Your HSA [pdf].
To begin or change your HSA contributions, use the enrollment system (click on "Benefits Enrollment" from your Launchpad in my.sjfc.edu, then click the "Change your HSA election here!" button). You can start, stop or change your HSA contribution at any time throughout the year.
Health Flexible Spending Account (FSA)
A health Flexible Spending Account (FSA) provides a way for you to designate pre-tax dollars to pay for certain medical expenses. If you enroll in the BluePPO (HDHP), you are not eligible for the Health FSA. Domestic Partners are not eligible for this benefit.
The limit on the annual amount of reduction permitted for medical expense reimbursement cannot exceed the lesser of your earned income or $2,850 per household in 2022. Any claim submitted for an eligible medical expense cannot exceed the amount allocated for the plan year.
Dependent Care Flexible Spending Account (FSA)
The dependent care FSA allows you to pay for dependent day care expenses for children under the age of 13 or older dependents who are physically and/or mentally incapable of self-care.
The limit on the annual amount of reduction permitted for dependent day care expenses cannot be more than $5,000 ($2,500 if married filing separately) per household. Any claim submitted for an eligible dependent care expense cannot exceed the total amount currently available in your account at the time the claim is filed. Domestic Partners are not eligible for this benefit.
The dependent care FSA is separate from the health FSA.
Basic Life Insurance
The University provides one times base salary of term life insurance to all eligible employees, up to a maximum of $160,000.
You do not need to elect this coverage and employees do not contribute to the cost.
Supplemental Life Insurance
You may elect to purchase supplemental life insurance in increments of 1, 2, or 3 times your base annual salary, to a maximum of $300,000. The total Basic and Supplemental Life Insurance benefit cannot exceed $460,000. Life Insurance amounts are reduced at age 70.
If you are increasing your coverage or electing coverage for the first time after your initial New Hire eligibility, you will need to submit Evidence of Insurability (EOI).
You will be able to access the Evidence of Insurability form in the enrollment system. Your new coverage amount will not go into effect until approved by the carrier.
If you elect supplemental life insurance for yourself, you will be eligible to pick up life insurance for a spouse/dependent.
Spouse and Dependent Life Insurance
If you elect supplemental life insurance for yourself, you will be eligible to elect life insurance for a spouse/dependent. If you elect coverage, eligible children are automatically covered up to age 21, or to age 25 for full-time students. Domestic partners are not eligible for this benefit.
You may elect one of two levels of coverage:
- $4,000 spouse/$2,000 dependent children
- $10,000 spouse/$4,000 dependent children
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
Supplemental AD&D can be 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 to a maximum of $500,000 in benefit coverage. The amount reduces at age 70. Employees may purchase the insurance for themselves and their family members.
You may not cover your dependent if they 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. Your benefit will reduce on the January 1 after you turn age 70. Domestic partners are not eligible for this benefit.
Voluntary Benefits
Fisher offers several plans for full-time employees to purchase with after-tax deductions from your pay. These plans are available with coverage options for employees and eligible family members.
This notice is provided for information purposes only for eligible faculty and staff, and does not constitute a legal contract. St. John Fisher University 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 University policy. In cases where discrepancies occur, the Plan Document or other relevant plan materials will be the ruling and binding instrument.