Benefits for Employees

• Health Insurance
• Life Insurance & Optional Term Life Insurance
• Disability Insurance
• Flexible Spending Accounts
• Vision
• Retirement
• Tax Shelter Annuities

For more information about employee benefits and plans
contact Cris Gebhard at (307) 771-2111

2012-2013
Insurance rates for Health, Life, Long Term Disability
and Vision

• Carrier: Blue Cross Blue Shield of Wyoming
• Coverage effective date of hire
• Must elect to participate within 30 days of date of hire; beyond 30 days, enroll during open enrollment unless special enrollment circumstances (i.e., loss of coverage due to change in family status or spouse's employment status)
• Open enrollment: Month of November with January effective date.
• Current employee contribution: 8 percent of total premium (subject to change): 
  • Family $128.20/month
  • Single $38.76/month
• $500 single/$1,000 family deductible
• 50/50 co-insurance
• $1,500 single/$3,000 family out-of-pocket maximum after deductible
• Pharmacy Program

Summary of Benefits

Health Insurance Handbook 

Term Life Insurance 

• Carrier: Sun Life Assurance Company of Canada, Denver, Colorado
• Term life insurance with no cash value
• Eligibility: Permanent Employees, certified staff working a minimum of 17.5 hours per week, all others working a minimum of 20 hours per week
• Effective date: First day of month following date of hire
• Must elect to participate within 30 days of hire; beyond 30 days, must complete Evidence of Insurability form
• Coverage available based on annual salary
• Employee contribution: $2.50 per month for employee coverage, $1.60 per month for dependent coverage

• Carrier: Sun Life Assurance Company of Canada, Denver, Colorado
• Eligibility: Permanent employees, certified staff working a minimum of 17.5 hours per week, all others working a minimum of 20 hours per week
• Effective date: First day of month following date of hire
• Must elect to participate within 30 days of hire; beyond 30 days, must complete Evidence of Insurability form
• Coverage:
• Employee: An amount between $10,000 and $250,000 in increments of $10,000 not to exceed three (3) times your basic annual earnings.  Amounts available with no evidence of insurability required:  The lesser of three (3) times your basic annual earnings or $250,000 if you are under age 60; $40,000 if age 60-69; $20,000 if age 70-79; and $1,000 if age 80 or over.  Age Reductions: To 67 percent at age 70 and to 50 percent at age 75.
• Spouse: An amount between $5,000 and $25,000 in increments of $5,000.  Amounts available with no evidence of insurability required:  Up to $25,000 if under age 60, $10,000 for ages 60-69.  Spouse coverage ends when your spouse turns 70 years old.
• Child(ren): You can purchase increments of $2,500 up to $10,000 for each eligible child.

Current employee contribution towards premium (subject to change):

Life Insurance Handbook - All Other 

 Disability Insurance 

• Carrier: Sun Life Assurance Company of Canada, Denver, Colorado
• Coverage effective date: First day of month following date of hire
• Eligibility: Permanent Employees, certified staff working a minimum of 17.5 hours per week, all others working a minimum of 20 hours per week
• Must elect to participate within 30 days of hire; beyond 30 days, must complete Evidence of Insurability form
• Coverage: Following a 90 calendar day waiting period, upon approval of application, policy will pay 66 2/3 percent of base salary
• Current employee contribution to premium (subject to change): 
  • $1.50/month
• As long as disability continues, guaranteed benefit of 24 months for own occupation; if approved for permanent disability from any occupation, benefit will be paid until age 65

Tax Shelter Annuities 

• Employees can contribute a maximum of $17,000 of their annual income to a participating 403(b) investment company.
• Employees can contribute a maximum of $17,000 to Wyoming Deferred Compensation.