The Maricopa Community Colleges (MCCCD) is pleased to offer its employees a comprehensive Flexible Benefit Program (Flex) to all Benefit Eligible Employees.

How Flex Works

Flex lets you create the benefits package that’s right for you. Flex allows employees to choose from a variety of benefits. Each employee is allocated flex benefit credits to spend on options that meet the employees’ needs. Each flex benefit has a cost. If the cost exceeds flex benefit credits, you pay the difference through biweekly payroll deductions. If the cost is less than your benefit credits, the unused amount is returned to you as taxable income. Your flex credits are allocated on a monthly basis and determined by the tier of medical coverage purchased.

What is Insurance Fraud?

Insurance fraud is generally defined as the "intentional misrepresentation of material facts and
circumstances to an insurance company to obtain payment that would not otherwise be made." It
is fraudulent to fail to notify the Benefits office of a change in status or to misrepresent
dependents in any manner. Disciplinary action will be taken, up to and including termination,
should this occur.

• Medical Insurance - Zenith Administrators

            Two PPO Plans to choose from, Core & Buy-Up

• Mental Health Insurance - Cigna Behavioral Health

             Mandatory with the Medical Plan

• Dental Insurance  - Assurant & MetLife

            Two Dental Plans to choose from

• Life Insurance - Aetna

            Basic Life - provided by MCCCD

            Supplemental Life, Dependent Life - voluntary election

• Accidental Death & Personal Loss Insurance - Aetna

            Basic AD&PL - provided by MCCCD

            Supplemental AD&PL for yourself and/or your family - voluntary election

• Disability Insurance - MetLife

            Short-Term Disability - voluntary election

            Mid-Term Disability - provided by MCCCD

            Long-Term Disability - provided by Arizona State Retirement System & Sedgwick

• Employee Assistance Plan & Elder Care - APS Healthcare

            Employee Assistance for general counseling provided by MCCCD

• Flexible Spending Accounts

            Health Care and Dependent Care Reimbursement Accounts

• Retirement Options

            Tax Shelter Annuities (403B) - voluntary election

            Arizona State Retirement System - State mandated

• Change of Status

            Changing your benefits due to a birth, marriage, full-time student status, etc.

• Industrial Injury & Workers Comp. - Tristar Risk Management

            Injuries that occur during work hours and workers compensation

• Compassionate Leave

            Donating your sick and/or your vacation time during Open Enrollment

            Applying for a Compassionate Leave

• Open Enrollment

            Opportunity for current employees to change Health Benefits during the Fiscal Year

Benefits Disclaimer

Last modified: October 05, 2007

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