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It is the intent of Hazard Community and Technical College to provide
a benefits program with a broad foundation upon which employees can build
for the security and well being of their families.
The college has two sets of benefits for the various employee groups.
Those employees governed by the Kentucky Community and Technical College
System and the State policies and procedures are covered by the KCTCS
benefits package, which includes several state government options.
Those employees governed by the University of Kentucky policies and procedures
are covered by the UK benefits package.
To find out more about our employee benefits please choose from the links
below.
Health Insurance
Term Life Insurance and Accidental Death & Dismemberment
Worker's
Compensation
Long Term Disability
Retirement Plans
Voluntary Supplemental Retirement Plans
Flexible Spending Accounts (FSA)
Employee Education Program
Dental Plans
Employee Discount Program
Vision
Plans
Retiree
Health Plans
Employee
Assistance Program
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Health
Insurance
KCTCS participates in the state health insurance plan. KCTCS provides
a contribution towards the plan of coverage. Employees may select from
various coverage levels and plan levels.
For those employees participating in the UK benefits package, KCTCS provides
a contribution towards the plan of coverage. Employees may select from
various coverage levels and plan levels.
For more details:
KCTCS
- Health Insurance
KCTCS
2006 Health Insurance Booklet
UK
2006-07 Health Insurance Benefits Booklet
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Term Life Insurance and Accidential Death
and Dismemberment (AD&D)
KCTCS provides $20,000 of Life Insurance and Accidental Death and Dismemberment
(AD&D) coverage for eligible employees under KCTCS, 18A and 151B Personnel
systems. Optional Life and AD&D coverage are available.
Those employees participating in the UK benefits package receive $10,000
of basic life. Optional AD&D is available at an additional cost.
Life
Insurance/AD&D
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Workers Compensation
KCTCS, 18A, 151B, and KCTCS employees still under the University of Kentucky
(UK) policies/benefits are all covered under the State Workers Compensation
plan.
Worker's
Compensation
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Long Term Disability
KCTCS provides a Long-Term Disability plan for regular full-time KCTCS
employees that are enrolled in a Defined Contribution 403 (b) Plan (matching
contributions).
KCTCS employees still under the University of Kentucky (UK) policies/benefits
have Long-Term Disability coverage through the UK Benefits Plan.
KCTCS employees that participate in KTRS/KERS have disability retirement
benefits available through their retirement system.
Long
Term Disability
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Retirement Plans
KCTCS offers two retirement plan options for KCTCS personnel; the Defined
Benefit Plans and the Defined Contribution Plans. It is mandatory that
regular full-time employees participate in a retirement plan.
Defined Benefit Plan
Offered to 18A, 151B and employees under KCTCS policies/benefits. Not
available to KCTCS employees still under the University of Kentucky benefits/policies.
Membership in KTRS may be mandatory(allowed or not allowed) depending
upon the position occupied. Employees not allowed to participate
in the KTRS plan due to position requirements will be enrolled in the
KERS plan.
Defined
Benefit Plan Information
Kentucky Teacher's Retirement
System
Kentucky Employees Retirement
System
Defined Contribution Plan
Offered to all KCTCS employees. Employees may invest with four carriers:
American Century, ING, Fidelity and TIAA-CREF.
Those employees participating in the UK benefits package may invest with
three carriers: American Century, Fidelity and TIAA-CREF.
KCTCS
- 403(b) Plan Information
American
Century
Fidelity Investments
ING
TIAA-CREF
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Voluntary Supplemental Retirement
Plans
Voluntary contributions to supplemental retirement plans may be payroll
deducted on a pre-tax basis. These options are available to all
regular, fulltime employees.
Voluntary Supplemental Retirement Plans
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Flexible Spending Accounts (FSA)
FSA accounts are tax free accounts that can save an employee money on
eligible medical and dependent care expenses. Authorized dollar amounts
per pay period are deposited to a FSA account from pre-tax salary. There
are two types of FSA's: a medical FSA and a Dependent Day Care FSA.
The employee may be eligible to use both.
Flexible
Spending Accounts (FSA)
KCTCS - Chard-Snyder and Associates
UK
- ASI
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Employee
Education Program
Regular full-time KCTCS, 18A, 151B, and KCTCS employees still under the
University of Kentucky policies/benefits are eligible for 6 credit hours
per semester of tuition defrayal at any public state higher education
institution (a total of 18 credit hours per year). Dependents of KCTCS
employees are eligible for 6 credit hours of tuition defrayal per semester
at any KCTCS institution.
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Dental Plans
KCTCS offers dental plans from various carriers. Coverages vary dependent
upon the personnel system of the employee. Depedent coverage is available.
Dental
Plans
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Employee Discount Program
KCTCS offers employee discounts at several business including hotels,
health clubs and amusement parks. Employees must present Hazard Community
& Technical College Employee ID to obtain discounts. Click on link
below for list of business that provide discounts.
Employee
Discount Program
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Vision
Plans
Regular full-time KCTCS, 18A and 151B employees receive a supplemental
vision plan along with their dental coverage with some vendors. The premium
will be paid on a post- tax basis and will be payroll deducted.
Regular full-time, part-time, half-time, and temporary employees under
the University of Kentucky benefits may participate in the group vision
plan. The premium will be paid on a pre-tax basis and will be payroll
deducted. University of Kentucky
Vision
Plans
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Retiree
Health Benefits
KCTCS retirees will be eligible for the same health plans that are available
to active KCTCS employees through the Public Employee Health Insurance
Program. Retirees who are age 65 or older and eligible for
Medicare Part B are eligible to participate in any Medicare Eligible Secondary
Coverage plan offered by KCTCS.
18A
and 151B retirees will be eligible for the same health plans that are
available to active KCTCS employees through the Public Employee Health
Insurance Program. Retirees over the age of 65 should contact their
respective retirement carrier, KTRS or KERS. The individual retirement
carrier administers the over age 65 health insurance programs.
Those
employees who retire under the UK benefits options are eligible for the
same health plan options that are available to active employees even though
the rates may be different. Retirees over the age of 65 are eligible for
the UK Retiree Costs Medicare Carveout Plan.
KCTCS/18A/151B/UK
- Retiree Health
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Employee
Assistance Program
KCTCS,
18A and 151B employees have access to Horizon Care. It is a confidential
consultation and counseling service available 24 hours a day, providing
professional telephonic assessment and triage for issues.
Those
employees under the UK benefits system have access to REFER. It
is a resource and referral service for employees.
Horizon
Care
REFER
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