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State Of Alabama Employee Benefits

Unreliable For Personal Finance Plans

Alabama State Employee Benefits – Department of Conservation

Health plans are a crucial aspect of personal financial management but group health insurance provided by small businesses can be unreliable when it comes to financial planning. For instance, the health policy might not offer continuous coverage in Alabama. So, it might be tough to include it in the annual financial plan of small businesses.

Individual health insurance plans on the contrary offer more control. Hence, you can expect better financial management. It is up to you as to how much you would like to spend annually on the plan.

How Does A Group Health Insurance Work

Group health insurance plans are provided by companies to their employees. But in this case, plans can only be bought in groups from the insurance company. This means individuals wont be able to buy the minimum essential coverage through the group plans. Plans generally require 70% participation in the policy to be valid.

Most employers select a health plan to offer coverage to their staff members. At times, the plan that offers coverage might have tiers. This gives an insured person the chance to choose the basic coverage or opt for advanced coverage options having additional features. The members who are a part of the plan share the premium amount with the organization. Some small businesses also extend the health plan by offering family plans.

Usually, the cost of small business health insurance coverage is generally lower than the individual health plans. This is because the ailment risk spreads across a greater number of people. So, in simple words, group health insurance is more affordable and cheaper than individual health insurance plans offered by an insurance company.

The Benefits Of Being A Member In Asea Are Endless Asea Members Have Access To A Wide Variety Of Discounts

Take a look below, and become a member to start taking advantage of your membership benefits.

  • FREE with Membership: $5,000 Accidental Death & Dismemberment Plan and Access, ASEAs online discount program.
  • Legal: Attorneys on staff give free legal advice, document review, and in most cases can provide Wills, Living Wills and Power of Attorney documents to ASEA members.*
  • Field Staff Representatives: Statewide, FREE help for members with job related problems and issues.
  • Legislative Services: Lobbying to protect your retirement, health insurance and retirement benefits.
  • ASEAs Insider Magazine: Informative magazine that keeps you up to date on current issues.
  • Liberty Mutual: Great Savings on Auto and Homeowners Plans. Call 855-947-7587.
  • Group Insurance Offered by Countryman & Smitherman Agency, Prattville, Alabama.
  • Fidelity Security Life Insurance Company :
  • Term Life Coverage amounts from $25,000 to $250,000 for members and spouses up to age 65.
  • Guaranteed Issue Term Life $10,000 coverage with no health questions! Available up to age 65.
  • Senior Whole Life Coverage for ASEA members and spouses ages 45 75. Guaranteed acceptance!
  • AD& D Up to $250,000 coverage. For ASEA members and spouses up to age 65. Guaranteed acceptance!
  • Cancer Guaranteed acceptance if cancer-free for last 10 years.
  • Young Adult Whole Life Plan Coverage for your children and grandchildren that grows in value as they get older.

Also Check: How To Calculate Social Security Benefits Taxable Amount

Tuition & Financial Aid

All employees of the Alabama State Employees Association receive a 10% tuition scholarship to any of the degree programs listed in the above links. Current tuition costs and fees can be viewed here.

Troy University is committed to providing exceptional service to students and their families who apply for financial assistance. The Office of Financial Aid offers a variety of services and programs designed to help you find ways to meet the costs of education. We want you to succeed at Troy University.

For more information, go to

Search Code Of Alabama

Employee Benefits Informational Meeting

When used in this chapter, the following terms shall have the following meanings, respectively, unless the context clearly indicates otherwise:

Board. The State Employees’ Insurance Board.

Class. An employee or retiree shall be included in one of the following classes: active employee single, active employee family, non-Medicare retiree single, non-Medicare retiree family, Medicare retiree single, Medicare retiree family, non-Medicare retiree with Medicare eligible dependent, or Medicare retiree with non-Medicare dependent.

Employee contribution. The amount of the total health insurance premium to be paid by the employee or retiree as determined by the board.

Employer contribution. The amount of the total health insurance premium to be paid by the employer as determined by the board.

Federal poverty level. Income level determined in Section 673 of the Community Services Block Grant Act 2 ). Should the federal government no longer derive or substantially change its derivation of the federal poverty level, the State Employees’ Insurance Board has the authority to derive and apply an alternate poverty level to carry out its obligations under this chapter.

Medicare retiree. A retiree entitled to benefits under the federal Medicare program .

Non-Medicare retiree. A retiree not entitled to benefits under the federal Medicare program .

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What Are The Benefits Of Large Group Health Insurance Plans In Alabama

A large group health insurance plan is the best option for large businesses in Alabama that have over 50 employees. With a large group coverage plan, you can enjoy affordable health insurance by taking advantage of a bulk discount on your large group health insurance plan.

The provision of student health insurance is another excellent use of a large group health insurance plan. Purchasing this health insurance is a good option for large groups of people without the means to purchase individual health coverage. Among the other benefits of large group insurance are:

  • Pre-existing conditions

Guide To Benefits And Claims Filing

UNDER ALABAMA WORKERS’ COMPENSATION LAW

IF YOU ARE HURT OR INJURED AT WORK:

  • Report any injury immediately to your supervisor, boss or employer.
  • Check with your supervisor or employer about which doctor you should see for your work related injury.
  • CLAIM FORMS – To be filed by the employer, insurance carrier or third party administrator are:

    WC Form 4 * Claim Summary Form

    IN GENERAL – These conditions must exist to entitle an injured employee to benefits under the Alabama Workers’ Compensation Law.

  • The employee must work for an employer whose business is covered by the law.
  • The injury must result from an accident.
  • The accident must arise out of and in the course of the employment.
  • Proper notice of the accident and injury must be given to the employer.
  • WAITING PERIOD – In cases of temporary total or temporary partial disability, no compensation shall be allowed for the first three days after disability, nor in any case, unless the employer has actual knowledge of the injury or is notified thereof within the period specified. Compensation shall begin with the fourth day after disability, and in the event the disability from the injury exists for a period as much as 21 days, compensation for the first three days after the injury shall be added to and payable with the first installment due the employee after the expiration of the 21 days.

    EXCEPTIONS – Circumstances which may negate an employee’s claim for benefits:

    Death
    Temporary Partial 300 weeks

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    University Paid Long Term Disability Insurance

    Company: Sun LifeWebsite: www.sunlife.comPhone: 247-6875

    The University provides at no cost to eligible employees long term disability insurance through Sun Life. After a 90-day period of disability, 60% of the employees base monthly salary will be paid for permanent or temporary total disability, up to a maximum benefit of $10,000 a month.

    How Long Does It Take To Get Disability Compensation

    Alabama State Employee Benefits – Retirement Systems of Alabama

    Compensation shall begin with the fourth day after disability, and in the event the disability from the injury exists for a period as much as 21 days, compensation for the first three days after the injury shall be added to and payable with the first installment due the employee after the expiration of the 21 days.

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    University Staff Employee Benefits

    Welcome to the University of South Alabama – #WeAreSouth! This guide provides important information about the benefits offered to new employees, including a brief description of each benefit. You may also obtain additional information from the Human Resources website at . Benefits and an employees right to them are subject to certain laws, University regulations and individual plan documents. Additional information is provided in the individual plan booklets and brochures. The University reserves the right to either change, modify, or terminate these benefits at any time.

    New Employee EnrollmentIt is important to review and understand these benefits so that you can enroll in the plans for which you are eligible and that meet your needs. The choices you make will be in effect for the remainder of the calendar yearunless you experience a qualifying change in status event.

    New employees must enroll in benefit programs within the first 30 days of employment, after a qualifying change in statusevent or during the Open Enrollment period held annually in November with coverage effective January 1.

    Additional benefits information may be obtained from Human Resources at the following addresses:

    UNIVERSITY OF SOUTH ALABAMA

    *Includes the non-tobacco wellness incentive of $50
    $795

    State Of Alabama: Eap Benefits

    All employees and dependents may receive up to three visits/consults at no charge each year.

    • Assist with claim status inquiries
    • After hour, weekend and holiday calls answered by licensed mental health professionals-never an automated response system

    More information about EAP Benefit www.behvioralhealthsystems.com

    Also Check: Medicare Benefit Policy Manual Chapter 1 Section 10

    Benefits Of Working For Aldor

    • Benefits of Working for ALDOR

    There are many benefits to working for the Alabama Department of Revenue and serving the citizens of our state in a public capacity. They include:

    • Annual Leave: There are 24 semi-monthly pay periods per year. Leave is accrued as follows:
    • 4.20 hours per pay period while serving the first five years of service
    • 5.25 hours per pay period while serving 5-10 years of service
    • 6.30 hours per pay period while serving 10-15 years of service
    • 7.35 hours per pay period while serving 15-20 years of service
    • 8.40 hours per pay period while serving 20-25 years of service
    • 9.45 hours per pay period after serving 25 years and beyond
  • Sick Leave: 4.20 hours of sick leave is accrued each pay period and remains at 4.20 throughout your career with state government.
  • Deferred Compensation: Each employee may elect to contribute to a deferred compensation plan through the Retirement Systems of Alabama or the State of Alabama Deferred Compensation Plan.
  • Health and Dental Insurance: State funding helps ensure affordable health and dental insurance premiums for employees. Family coverage is available at the option of the employee.
  • Paid Holidays: There are 13 paid holidays per year.
  • Liability Isnt Valid For Retired People

    How does Coastal Alabama benefit from the RESTORE Act now that the ...

    In case someone is a retired employee, they cant have this facility in most states. As the employee isnt working for the organization anymore, they will have to buy a new policy for getting health insurance coverage subject to his fitness.

    Just a few state policies offer health insurance coverage even after retirement. You need to choose expensive premium and medical care. Since it is not lifetime coverage, you can take it to be a form of temporary protection.

    In case you want to search for lifetime protection, you have to buy an individual policy and keep renewing it subject to your health conditions. The policy can protect you and your family from sudden expenses.

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    How Much Is Obamacare In Alabama

    The average cost of an Obamacare plan ranges from $328 to $482 but varies depending on the company, type of plan, and where you live….Average Marketplace Premiums in 2021 By Metal Tier.StateAlabamaAverage Lowest Cost Bronze Plan$401Average Lowest Cost Silver Plan$549Average Benchmark Plan$59051 more columnsDec 1, 2021

    Disability And Life Insurance

    The System helps employees plan for the unexpected with sponsored group life insurance, accidental death and dismemberment insurance, short-term disability insurance, and long-term disability insurance.

    • The University of Alabama System offers Employer Sponsored Life Insurance and Accidental Death and Dismemberment plans to eligible employees. Eligible employees are automatically covered beginning their date of hire no enrollment is necessary.

      Existing employees and participants may review current benefits or update beneficiary information in iSolved.

  • Employer-sponsored Long-term Disability Insurance

    The University of Alabama System provides at no cost to eligible employees Long-Term Disability Insurance through The Standard. The policy provides for salary continuation at 66 2/3% of current salary, not to exceed $10,000 per month and begins on the 91st day of total disability. After 90 days of benefit payments, the plan changes from 66 2/3% to 60% of current salary and continues at that rate for the duration of the claim. Further information can be found below:

  • First Time User Instructions for the Standard Insurance Website.

    Short-term disability pays 60% of your salary if you become temporarily disabled and unable to work for a short period of time due to illness/pregnancy or accident. All full-time employees will be eligible to enroll in this post-tax, employee-paid benefit on a voluntary basis.

  • FAQ Short-term Disability Claim Process Opens in a new window
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    Claiming Process Can Be Difficult

    People are always troubled about the time it takes to settle the claims at Alabama department of insurance. It is a feeling that can be amplified when it is the group health insurance provided by the employee since you are not the one to have chosen the health insurance. But claim settlement process can be a little difficult unless the policy is from an insurance company that makes it hassle-free to claim it.

    The University Of South Alabama 457 Plan

    Alabama State Employee Benefits – Risk Management

    Organization: Retirement Systems of Alabama

    Website: www.aigrs.comPhone: 625-4894

    457 plans allow eligible employees to defer receipt of a portion of their salary until some later date, usually at retirement or termination of employment. Contributions are made on a pre-tax basis and accumulate tax-free until withdrawal.

    Eligible employees can also contribute post-tax contributions to the Roth 457. Employees may make pre-tax contributions to the 457 and post-tax contributions to the Roth 457 subject to the combined limit set by Section 402 of the IRS Code.

    Contributions to 457 plans may be made instead of, or in addition to, any 403 contributions. Eligible employees may participate in both 403 and 457 plans in the same year, contributing up to $20,500 annually to each plan.

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    Vacation & Sick Leave

    Vacation: Regular full-time and probationary employees earn *approximately 96 hours of vacation leave per year *Earnings are calculated on scheduled hours actually worked.

    Sick Leave: Regular full-time and probationary employees earn *approximately 96 hours of sick leave per year. *Earnings are calculated on scheduled hours actually worked.

    Personal Days: Regular full-time and probationary employees of the city receive 16 hours annually of personal time.

    Paid Holidays: There are 12 observed paid holidays. Shift personnel scheduled off or required to work on the holiday shall receive 8 hours of additional pay at the regular hourly rate.

    The Retirement Systems Of Alabama401

    Organization: Teachers Retirement System Website: www.rsa-al.gov Phone: 517-0020

    All eligible employees are required by state law to contribute 6.2% of their gross annual salary to TRS . This defined benefit program provides retired employees with a specific benefit payable monthly for the lifetime of the member. In addition to the employee contribution, the University contributes a percentage which is determined by the Alabama Legislature.

    TRS members are eligible for retirement benefits at age 62 with 10 years of participating service. Upon service retirement, employees are also eligible to join the states Public Education Employee Health Insurance Plan . Rates for this plan vary based on age at retirement and years of TRS service.

    Individuals resigning from employment before vesting in the program, or before qualifying to receive benefits, may request a refund of their contributions and applicable interest.

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    State Wellness Center & Pharmacy

    The State Wellness Center Clinic and Pharmacy is conveniently located next door at 101 South Union Street. The hours of operation are Monday, Tuesday, Wednesday, and Friday 8:00 AM 5:00 PM for the clinic and 7:30 AM 5:30 PM for the pharmacy. Please note the hours of operation are different on Thursday with the clinic open 9:00 AM 5:00 PM and the pharmacy open 9:00 AM 5:30 PM. No clinic appointments will be scheduled after 4:30 PM.

    Contact Pharmacy: 1-877-311-1368 or 1-334-263-8460

    Contact Clinic: 1-877-311-1375 or 1-334-263-8470

    Educational Benefits For Employees

    Employee Benefits Insurance Broker In Montgomery, AL

    Educational assistance provides reimbursement to eligible full-time employees of an amount equal to 100% of the tuition costs for three credit hours in the fall and spring semesters and six credit hours in the summer terms at the standard on-campus, in-state graduate or undergraduate tuition rate. All other hours taken will result in reimbursement of an amount equal to 50% of the tuition costs at the standard on-campus, in-state undergraduate or graduate tuition rate. Higher tuition rates for special enrollment programs, such as but not limited to law school, medical school, or executive programs do not entitle employees to amounts above the standard on-campus, in-state graduate tuition rate. Fees and other charges will not be reimbursed. Please see the University of Alabama System Office Educational Benefit Policy for more information on eligibility and procedures.

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    Educational Benefits For Spouse And Dependents

    After eligible employees have been employed six continuous months, spouses and dependents may be reimbursed an amount equal to 50% of the tuition costs at the standard on-campus, in-state undergraduate or graduate tuition rate for eligible courses. Higher tuition rates for special enrollment programs, such as but not limited to law school, medical school, or executive programs do not entitle the eligible dependent to amounts above the standard on-campus, in-state graduate tuition rate. Fees and other charges will not be reimbursed. Please see the University of Alabama System Office Educational Benefit Policy for more information on eligibility and procedures.

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