2016 Online Benefits Open Enrollment

Enrollment and Benefits Resources

Summary Benefits Information for 2016

Benefits Enrollment Guide for 2016 [pdf]

Comparison of Medical Plan Benefits [pdf]

Comparison of Dental Plan Benefits [pdf]

Medical Rates [pdf]

Dental Rates [pdf]

Domestic Partner Coverage

Authorized FSA and HSA Expenses

HSA Enrollment/Change Form [pdf]

Excellus Website for St. John Fisher College

Excellus HealthyRewards Program


Learn More

Human Resources staff will be offering 5 Informational Sessions (to include a specific session for our night shift employees). These sessions will focus on 2016 open enrollment as well as the current and emerging impacts the Affordable Care Act will have on the College's health care benefits, in particular to the benefits allowance dollars.

An Excellus representative will be available during the information sessions and immediately following the sessions to answer questions on the college’s health care programs.

Date: November 12
Time: 12:30 - 2:30 p.m.
Location: Basil 135

Date: November 17
Time: 12:30 - 2:30 p.m.
Location: Skalny Science Center 141

Date: November 18
Time: 9:30 - 11:30 a.m.
Location: Wilson Formal Lounge, Haffey Hall

Date: November 30
Time: 9:30 - 11:30 a.m.
Location: Wilson Formal Lounge, Haffey Hall

For questions regarding benefit changes for 2016, you may also contact the Human Resources office at (585) 385-8048 or at hr@sjfc.edu.

The annual benefits open enrollment for 2016 will take place from November 11 through December 1, 2015 (ending at 4:30 p.m.). All changes will be effective January 1, 2016.

The elections you make when you enroll during annual enrollment will be in effect for all of 2016 unless you experience a qualifying/life event. If you experience a qualifying event, you will have 30 days from the date of this event to make any changes and documentation will be required.

If you do not wish to change your benefit coverage it is recommended you go onto the system in order to confirm and verify your current benefit coverage including your beneficiary information. Please note that your 2015 Flexible Spending Account elections (medical and/or dependent care) will not carry over to 2016. If you do not enroll by December 1, 2015 by 4:30 p.m., the benefit coverage in the enrollment system will remain in effect for 2016.

If you have a Health Savings account, please be advised that your elections for this open enrollment will continue each plan year. The amount you select will continue going forward.


Open Enrollment Procedures

  1. First review the Frequently Asked Questions (FAQs) [pdf] document. This document contains the most frequent questions posed regarding benefit options and instructions for enrolling.
  2. To review and confirm your benefit elections for 2016, you must log on to www.myfisherbenefits.bswift.com. The enrollment system will be available starting November 11.
  3. Log In Instructions
    Username: SJFC email address
    Password: Your password is what you previously designated. If you do not remember your password, there is a reset option (forgot password). For technical assistance, please contact St John Fisher College Human Resources at (585) 385-8048.
  4. When you log in to the system, please review your personal information including your current address. If an update is needed, please complete a Change of Address Form [pdf] and return this document to the Human Resources Department to update your records.
  5. When you log in to the system, please review your dependent information. You must ensure that your dependent information is accurately entered in order to receive dependent coverage under medical, dental, dependent care flexible spending account, life, and voluntary personal accidental death and dismemberment insurances. Note: Domestic partners are only eligible to participate in medical and dental benefits.
  6. To view more details regarding the online enrollment system, please view the Benefits Enrollment Guide [pdf]

Summary Benefits Information for 2016

Health Coverage

You may choose one of the following three plan options or you may decline medical coverage:

  • Excellus Blue EPO Option J
  • Excellus Healthy Blue
  • Excellus High Deductible Health Plan (HDHP)

Dental Coverage

You may choose one of the following two plan options or you may decline dental coverage:

  • Smile Saver I - No Orthodontia
  • Smile Saver IV

Health Savings Account

The maximum you may elect for single coverage is $2,850 and for family coverage is $5,750. The College also contributes $500 for single coverage and $1,000 for family coverage to your account. If you are age 55 or over in 2016, you can save an additional $1,000 in catch-up contributions.

Because the College also contributes to your HSA Account, new enrollees in the Consumer Directed HDHP must complete an HSA Enrollment Application [pdf] for the Bank of Castile, located on the open enrollment website.

Upon reaching age 65, you and/or your spouse can no longer contribute to an HSA, although you can remain in the HDHP plan.

Domestic partners are not eligible for this benefit.

Flexible Spending Account (FSA)

A Health Flexible Spending Account allows you to pay for certain health and dental expenses (such as copayments, deductibles and non-reimbursable expenses like eye glasses) that are not covered by insurance. This money is not taxed and may be used to reimburse you for the eligible out-of-pocket medical expenses you incur throughout the year, after submitting the appropriate claims and supporting documents.

Contributions to a Medical FSA are limited to $2,550 per year. Over the counter medications are not reimbursable through an FSA.

Domestic partners are not eligible for this benefit.

Dependent Care Flexible Spending Account (FSA)

The Dependent Care Flexible Spending Account Plan allows you to pay for dependent care expenses for children under the age of 13 or an older dependent who is physically and/or mentally incapable of self-care. You can elect to contribute up to $5,000 per year to this account.

To be eligible for reimbursement, the expense must be incurred so that you and your spouse can work, look for work, or continue to attend school as a full-time student. This money is not taxed and may be used to reimburse you for the eligible dependent care expenses you incur throughout the year, after submitting the appropriate claims and supporting documents. Expenses claimed under your Dependent Care Flexible Spending Account must be for the care of your eligible dependents (i.e., not for medical expenses). Costs incurred for education, overnight camp or enrichment programs (e.g., music or computer camp) may be either partially or completely ineligible for reimbursement. Consult IRS Publication 503 or your personal tax advisor if you have any questions about eligible expenses.

Domestic partners are not eligible for this benefit.

Basic Life Insurance

The College provides one times base salary of term life insurance to all eligible employees, up to maximum of $160,000. You do not need to elect this coverage and employees do not contribute to the cost.

Supplemental Life Insurance

Employees may elect to purchase supplemental term life insurance 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 electing Supplemental Life Insurance over the guaranteed issue amount of $250,000 or you are increasing your coverage during open enrollment, you will need to submit an 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.

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 if a full-time student.

You may elect one of two levels of coverage:

  • $2,000 dependent/$4,000 spouse
  • $4,000 dependent/$10,000 spouse

Domestic partners are not eligible for this benefit.

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

This supplemental AD&D insurance is 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 in supplemental AD&D insurance to a maximum of $500,000 in benefit coverage. This amount reduces at age 70.

Employees may purchase the insurance for themselves and their family members.

Domestic partners are not eligible for this benefit.

Note: You may not cover your dependent if such 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.

This notice is provided for information purposes only for eligible faculty and staff, and does not constitute a legal contract. St. John Fisher College 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 College policy. In cases where discrepancies occur, the Plan Document or other relevant plan materials will be the ruling and binding instrument.

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