HEALTH BENEFITS

Medical, Dental and Vision Insurance
Employees and eligible dependents may enroll in these benefits effective the first of the month following the employee’s date of hire. Effective January 1, 2016, the District contributes up to $1,906.53 per month toward the cost of medical, dental and vision insurance. View our 2016 benefit rate sheet here. Employee pays any costs exceeding this amount through bi-weekly pre-tax payroll deduction.

Health Plans
Dental Plans
Vision Plan
Life Insurance Plans
Disability Plans

Opting Out of Medical Coverage
If employees have medical insurance through another provider, employees can opt out of Western’s medical plan. By opting out, employees will receive 50 percent of the value of the medical premium for the lowest cost medical plan for employee and one dependent. Proof of other coverage is required on an annual basis during the open enrollment period.
Employees must enroll in a dental plan and the vision plan. Enrollment for eligible dependents, in these plans, is optional.

Flexible Spending
Effective the first of the month following date of hire, you may participate in the flexible spending plan. This plan provides you the opportunity to pay for certain medical, dental, vision and child care expenses with pre-tax dollars resulting in substantial tax savings.

Life Insurance
Basic Life Insurance
This benefit is provided by the District through Cigna www.cigna.com and is effective the first of the month following the employee’s date of hire. Employees are provided with up to $50,000 in life insurance for the employee and $1,000 for eligible dependents.

Supplemental Life Insurance
Effective the first of the month following your date of hire, you may purchase supplemental life insurance for you and your eligible dependents through Cigna. This supplemental life insurance provides a guaranteed issue amount for you up to $150,000, up to $20,000 for your spouse and $10,000 for your children.

Accidental Death and Dismemberment (AD&D)
This benefit is for you only and is provided by the District through Cigna. AD&D is effective the first of the month following your date of hire and provides payment for specified losses sustained through dismembering or fatal accidents. The maximum amount of AD&D insurance is equal to the amount of your life insurance.

Disability
Short Term Disability
The District provides short term disability (STD) insurance through Cigna. Coverage is effective on the first (1st) of the month following six (6) months of consecutive employment. STD benefits begin on the 1st day of disability for an accident or 7th day of disability for an illness and provide up to 60% of your base salary.

Long Term Disability
The District provides long term disability insurance through Cigna. Coverage is effective on the first of the month following six months of consecutive employment. LTD benefits begin on the 91st calendar day of a medically certified disability and provide up to 60 percent of employee’s base salary.

Employee Assistance Program (EAP)
Administered by Cigna, the EAP assists in dealing with problems affecting an employee’s personal life and/or job performance. Use of this benefit, paid 100% by the District for up to three meetings with EAP staff, is strictly confidential. Other services provided through Cigna’s EAP are referrals or advice on topics such as legal consultation, parenting, senior care, child care, pet care, and healthy rewards.