GIC Insurance Benefits (Health, Life and Long-Term Disability)
The College offers medical, life and long-term disability insurance benefits through
the Commonwealth's Group Insurance Plan (GIC).
View the GIC Benefit Decision Guide (PDF)
You must enroll in GIC insurance benefits within 21 days of your official hire date.
When enrolled, GIC insurance benefits become effective the first of the next month
after your hire date or the same day if you are hired on the first of the month. (ex:
If you are hired Sept. 1, benefits become effective Sept. 1; If you are hired Sept.
15, benefits become effective Oct. 1). Depending on the date of hire, you may be invoiced
for the first month of coverage. See Benefit Coordinator for details.
Deductions for Health Insurance will be split between biweekly paychecks.
For questions about enrollment, contact the GIC at 1-617-727-2310.
For questions about coverage, contact the provider.
Helpful information regarding Life Insurance:
Basic and Optional Life insurance rates
You may enroll in Optional Life Insurance for a coverage amount of up to eight times
your salary (for a max of $1.5M)
- In order to enroll for Optional Life Insurance, you must be enrolled for basic life
insurance.
- If you select coverage in an amount equal to a multiple of your salary, you will be
enrolled in the Automatic Increase plan, and your coverage will increase automatically
with increases in your salary.
- While you may elect Optional Life Insurance at any time during your employment with
BCC, if you elect it within 10 days of hire, you will not be required to provide proof
of good health.
- Deductions for Optional Life Insurance are taken once per month, in one lump sum.
The provider is The Hartford. Visit the Group Insurance Commission online or call 617-727-2310 ext. 1 for life insurance questions.
Helpful Information regarding Long Term Disability Insurance
- GIC provides up to 55% tax-free income replacement after a disability of more than
90 days.
Long Term Disability Rates
UNUM is the provider, and can be reached at 1-877-226-8620.
Flexible Spending Accounts (FSA)
BCC employees are eligible to enroll in Flexible Spending Accounts (FSA). FSAs allow
employees to set aside money every paycheck on an income tax-free basis for eligible
expenses.
You can enroll in the Health Care and/or the Dependent Care FSA.
The Health Care Spending Account covers expenses that diagnose, treat, cure, or mitigate
an injury, illness, or condition.
The Dependent Care Assistance Program covers expenses such as day care; preschool,
before- and after-school programs; and summer day camps.
New state employees enroll for partial-year benefits. For the Health Care FSA, benefits
begin at the same time as other GIC benefits. For the Dependent Care FSA, benefits
begin on the first day of employment.
Employees must re-enroll for FSAs every year during open enrollment to continue benefits.
Flexible Spending Information – GIC
Helpful Information on FSAs
- Commonwealth of Massachusetts employees save on average $300 for every $1,000 contributed
in the Health Care Spending Account (HCSA)
- You pay a $1 monthly administrative fee for enrollment in one or both FSAs.
- Your elections will be withdrawn from your pay and placed in your account before federal
or state income taxes, or federal payroll tax are applied.
- The IRS imposes a use-it-or-lose-it rule on FSAs. This means that you must use all
the money in your account by the end of the plan year, or you lose that money, subject
to a short grace period.
- The Provider is TASC. For questions regarding the FSA, please contact: 800-754-9202;
or go to the website.
Dental/Vision Benefits
BCC employees are eligible for dental benefits through Metlife and for vision discounts.
You must enroll in GIC insurance benefits within ten (10) days of your official hire
date.
For Non-Unit Professionals, GIC insurance benefits become effective sixty (60) days from the first full month of hire (ex: If you are hired Sept. 1, benefits become effective November 1; If you are hired
Sept. 2, benefits become effective Dec. 1).
For MCCC and AFSCME members, these benefits become effective 180 days following date
of hire.
Non-Unit Professionals
Download Non-Unit Dental Plan Summary (PDF)
MCCC members
Download MCCC Dental Plan Summary (PDF)
AFSCME members
Metlife VisionAccess is a discount program that helps you save and stay on top of
your care. This flyer will provide discount information on vision care services.
Download VisionAccess Employee Information (PDF)
Retirement Savings
Employees must choose from one (1) of two (2) options for retirement contributions
(in lieu of Social Security):
1. Massachusetts State Employee Retirement System (MSERS)
- MSERS is a defined benefit plan. New employees contribute 9% of gross salary, and
11% on salary over $30,000. These employee contributions are Federal tax-deferred.
1.45% is deducted for the Medicare portion of Social Security.
- Those who entered state service after April 2, 2012 are eligible for a pension at
age 60 with 10 years of creditable service. State employees are eligible for a pension
at any age with 20 years of creditable service.
- For more information, contact 617-727-2310 extension 2, or visit Mass Gov for an online contact form.
MSERS Retirement Guide for Active Members
OR
2. Optional Retirement Program (ORP) (For Non-Unit and MCCC Employees Only)
- ORP is an alternative to MSERS that provides flexible and portable pension benefits.
- You must enroll for ORP within 180 days of hire, or you will be automatically be enrolled
for MSERS.
- This is an important decision because, once you make your election, it cannot be changed.
ORP Enrollment Guide and Online Enrollment
457 Deferred Compensation SMART Plan
BCC employees have options for additional retirement savings. You may opt for the
457 Deferred Compensation SMART Plan, a retirement “add-on,” for saving additional
retirement monies.
- For 2020, anyone under age 50 can save $19,500 per calendar year, and $26,000 is you
are 50 or over.
- You can enroll for the SMART Plan at any time.
- Prior to enrolling, contact your local SMART Plan office at 877-457-1900 to obtain
a Plan Enrollment Code flier, which will include a specific code needed to enroll
online. Then, click the button below to enroll.
- The minimum contribution is $10/pay period
Get more information about the 457 SMART Plan
SMART Plan Enrollment
Download 457 SMART Plan Highlights (PDF)
403B Supplemental Retirement Plan
BCC employees have options for yet more retirement savings.
Supplemental Retirement Plan Basics
Supplemental Retirement Plan Additional Information
If you choose to enroll in the 403B plan, you must fill out and return the Salary Reduction Agreement (PDF).
Tuition Remission
Tuition Remission forms must be presented to the Business office when responding to
the tuition and fee bill.
Download the Tuition Remission Form (PDF)
Download Tuition Remission Policy (PDF)
Additional Benefits
Employee Assistance Program
Visit Mass4You for information on our Employee Assistance Program.
Download Mass4You Information (PDF)
Download Mass4You Flyer (PDF)
Paterson Field House/Fitness Center
Employees of BCC get free access to the Paterson Field House where we offer use of an array of exercise equipment, a basketball court, a pool
(open seasonally; available for a small daily fee), and offer exercise and wellness
classes.