Employee Benefits
If you have any questions regarding your CCS benefits, please email benefits@campbell.k12.va.us.
Summary of Benefits and Coverage (SBC)
- Quicklinks
- Employee Leave Time
- Qualifying Life Events
- Health Insurance Benefits Explained
- Premium Charts (Full-time Staff)
- Critical Shortage/Return to Work After Retirement
Quicklinks
McGriff (HSA): https://mcgriffinsurance.lh1ondemand.com/Login.aspx?ReturnUrl=%2f
Anthem (Health / Dental):
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Logging in for the first time: https://www.anthem.com/register/
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Returning Members: https://www.anthem.com/login/
Use your ID card right from your phone... Simply download the Sydney app -- via Google Play or the App Store -- and log in with your Anthem username and password. There is no need to re-register; once Sydney is downloaded, you will continue to use the same login credentials you use now with your Anthem online access. With Sydney, you can quickly and easily access your benefits information, member services, ID card, wellness resources, and more. It’s your one-stop shop for managing your health benefits.
myVRS (Retirement): https://myvrs.varetire.org/login/
Employee Leave Time
Sick Leave:
- Full-Time & Part-Time Employees – One day of sick leave is earned per month worked.
Note: Employees may receive Donated Sick Leave from another employee up to the maximum allowable sick days - VRS Plan 1 Employees can accrue up to 250 sick days.
*including donated sick leave - VRS Plan 2 Employees can accrue up to 250 sick days.
*including donated sick leave - VRS Hybrid Employees can accrue up to 60 sick days.
*including donated sick leave
*VRS Hybrid Employees become eligible for short term disability after satisfying a one year waiting period of full-time status.
Personal Leave:
Full-Time & Part-Time Employees – Two days of personal leave is earned annually.
Personal leave does not carry over from year to year, however unused personal leave will convert to sick leave up to the maximum allowable.
Vacation Leave: (12 month Employees Only)
| Years of Completed Service | Days per Year Earned |
|---|---|
| 1 - 10 years completed | 10 days earned |
| 11 - 20 years completed | 15 days earned |
| 21+ years completed | 20 days earned |
Employees can carry over 10 days from year to year. Unused vacation converts to sick leave up to maximum allowed.
Qualifying Life Events
If you experience a qualifying life event and need to make changes to your current coverage, please email benefits@campbell.k12.va.us in order to obtain the next steps in processing your necessary changes.
NOTE: You MUST notify the Benefits Office of a qualifying life event within 31 days of the qualifying event
Examples of qualifying life events are:
- Birth or adoption of a child
- Change in spouse’s employment status causing loss or gain of benefits coverage
- Eligibility for Medicare
- Change in employment status
- Marriage / Divorce
- Death or loss of a dependent
- Turning age 26 and losing coverage under a parent’s plan
Health Insurance Benefits Explained
Deductible: A set amount you pay each year for covered services before your plan starts to pay for covered healthcare/prescription costs.
Coinsurance: Once you have met your deductible, you and your health plan share the cost of covered healthcare services. The coinsurance is your share of the costs, usually a percent of the cost of care.
Out-of-pocket Limit: This is the maximum amount you could pay before your plan starts to pay 100% of all covered healthcare costs.* It is the sum of the deductible and coinsurance amounts.
Premium: The premium, also called the monthly payment, is what you pay for the plan. It's the money that comes out of your paycheck.
What You Pay and What Your Plan Pays**
| CALENDAR YEAR BEGINS | DEDUCTIBLE REACHED |
OUT-OF-POCKET LIMIT REACHED | |
|---|---|---|---|
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You pay your deductible.
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You and your plan share healthcare costs. |
Your plan pays 100% of all covered healthcare costs for the rest of the plan year.* Out-of-pocket limit - Once you have met your out-of-pocket limit for the calendar year Anthem pays 100%.
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BLUE: WHAT YOU PAY |
Coinsurance - Once you have met your deductible for the calendar year, you will be responsible for 20% & Anthem will be responsible for 80% for covered services with an In-Network provider. | ||
| YELLOW: WHAT ANTHEM PAYS | |||
*There are plans that require you to pay a copay at the time of service.
**This is only an example. Your actual cost share will depend on your plan, the service you receive, and the doctor you choose. Refer to the 2023 Summary of Benefits and Coverage provided in the open enrollment packet for more detailed information.
Premium Charts (Full-time Staff)
Plan Year 2023
1/1/23-12/31/23
Premium deductions are taken from your compensation the month prior to effective day of coverage
| Monthly Health Keepers HDHP Health Insurance Premium Anthem (High Deductible Health Plan) |
|||
|---|---|---|---|
| Employee Only | Employee + 1 | Employee + Family | |
| Employee Pays | $75.00 | $231.00 | $647.00 |
| Employer Pays | $557.00 | $913.00 | $1,013.00 |
| Premium | $632.00 | $1,144.00 | $1,660.00 |
| Monthly KeyCare HDHP Health Insurance Premium Anthem (High Deductible Health Plan) |
|||
|---|---|---|---|
| Employee Only | Employee + 1 | Employee + Family | |
| Employee Pays | $79.00 | $243.00 | $680.00 |
| Employer Pays | $557.00 | $913.00 | $1,013.00 |
| Premium | $636.00 | $1,156.00 | $1,693.00 |
| Monthly Anthem Dental Insurance Premium | |||
|---|---|---|---|
| Employee Only | Employee + 1 | Employee + Family | |
| Employee Pays | $12.75 | $37.00 | $66.50 |
| Employer Pays | $15.82 | $15.82 | $15.82 |
| Premium | $28.57 | $52.82 | $82.32 |
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Monthly Health and Dental Insurance Premium Both Spouses Employed by Campbell County Schools & Eligible for Benefits-Family Coverage Only |
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|---|---|---|---|
| Health Keepers HDHP Health | KeyCare HDHP Health | Dental | |
| Employee Pays | $280.00 | $294.00 | $53.00 |
| Employer Pays | $1,380.00 | $1,399.00 | $29.32 |
| Premium | $1660.00 | $1,693.00 | $82.32 |
HSA Contributions
** Monthly HSA deposits are available on payday
| Monthly Employer HSA Contribution for enrollees in Anthem High Deductible Plan | |||
|---|---|---|---|
| Employee Only | Employee + 1 | Employee + Family | |
| Employer Contribution to HSA | $83.34 | $166.67 | $166.67 |
Employee Voluntary Contributions-you determine the amount appropriate for your needs up to the IRS maximum,
| IRS 2023 HSA Contribution Limits (Employer + Employee) | |||
|---|---|---|---|
| Employee Only | Employee + 1 | Family | Family (Double Spouse - Both Employed by CCS & Benefits Eligible) |
| $3,850 | $7,750 | $7,750 | $7,750 |
*Note: Over age 55, additional $1,000 can be contributed until your Medicare effective date
Critical Shortage/Return to Work After Retirement
VRS Critical Shortage Brochure-downloadVirginia Retirement System changes return to work after retirement rules.During the retirement process with Campbell County Schools, you learned that you are eligible to return to work with a VRS-participating employer and continue receiving your retirement benefit if: - You satisfy your 30-day break in service during a month in which you would have ordinarily worked. - You return to work in a part-time capacity (working 80% or less than the hours or days of the full-time equivalent of the position you will be returning to. - You have not made a pre-arranged agreement to return to work prior to your eligibility to return to work. How Returning to Work Rules have ChangedRecent changes to Virginia Retirement System’s Return-to-Work policy may benefit you in retirement. VRS has updated Return-to-Work rules under their “Critical Shortage” policy. Who is affected? Under the updated Critical Shortage Return-to-Work policy, retired teachers, administrators, specialized support positions, and bus drivers are eligible to return to work on a full-time, contract basis in areas classified as critical shortage. What are the updated rules? Retirees who have been separated from a VRS-participating provider for at least six months are eligible to return to work in a full-time capacity while continuing to receive their monthly retirement benefit. This six-month break in service means you have not worked any full-time, part-time, or volunteer positions (including substitute teaching and coaching) during any six consecutive months during your retirement. What other rules apply? In addition to your six-month break in service, you must hold a license for the Critical Shortage position you will be covering. Also, retirees who have retired under a VRS Disability Retirement are not eligible to cover a Critical Shortage position. What stayed the same? If you are not working in a critical shortage position as a full-time employee, these changes do not affect your continued part-time or substituting position. You may return to work after your 30-day break in service. If you prefer to be considered for a critical shortage position in the future, you will need to satisfy the six-month separation in service requirement. In Summary: If you are a retiree from the end of a school year with a July 1 retirement date, you may be eligible to return to work in January on a full-time basis, receiving contract pay from Campbell County Schools in addition to your monthly retirement benefit from Virginia Retirement System! Critical Shortage positions are not meant to be continuing positions, however there may be instances where you would qualify to work, full-time, during consecutive school years. Continuation of employment under a Critical Shortage position depends on applicant availability and classification updates of Critical Shortage approved positions. If you would like to be considered for employment in a critical shortage position, please contact:
Amy Hunley, Director of Personnel Phone: 434-332-3458 Email: ahunley@campbell.k12.va.us
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