Insuring Your Health and Well-being:
Benefits for Employees of Central Wyoming College
Calendar Year 2021
Central Wyoming College is proud to offer a comprehensive benefits package for its benefit eligible employees.
The variety of benefits, discounts and other programs available to employees provide individuals with the
opportunity to choose the benefits that best fit their individual needs. Eligibility and effective dates for each
benefit may vary; however, in general benefits become effective the first of the month following the employees
date of hire. For more details about any of the insurance benefits described in this summary, please see the
specific summary plan document or coverage booklet which pertains to each benefit plan. Coverage booklets and
certificates of coverage will govern where conflicts in information may exist.
EMPLOYEE GROUP INSURANCE
Central Wyoming College is part of the State of Wyoming Employees’ Group Insurance Plan. Through this
affiliation, qualified employees are offered health, dental, and life insurance. In order to participate, employees
must enroll within 31 days of eligibility.
He
alth Employees have their choice of a $900, $1,500 (High Deductible Health Plan), $2,000, $3,000 (High
Deductible Health Plan), and $4,000 deductible. After the deductible has been met, co-insurance varies from
85%/15% to 60%/40% depending on in-state/out-of- state and network/non-network provider status. The State
plan offers a four-tier premium schedule: single, employee and spouse, employee and children, and family. Each
option has a four-tier premium schedule: single, employee and spouse, employee and children or family coverage.
The plan also includes a wellness component, where once per calendar year physical exams and other preventive
care and immunizations are covered 100%. The State of Wyoming is a self-insured program, with services provided
by Cigna.
Option
In Network
Coinsurance
In WY / Outside WY
Non Network
Coinsurance
In WY / Outside WY
Deductible
Individual/Family
Maximum Out of Pocket
In Network
Individual / Family
Option I 85% / 75% 75% /60% $900
Plus deductible
Option II 85% / 75% 75% / 60% $2000
Plus deductible
Option III 85% / 75% 75% / 60% $4000
Plus deductible
Option IV 85% / 75% 75% / 60%
$1500/$3000
HDHP
Plus deductible
Option V 85%/75% 75%/60%
$3000
HDHP
Plus deductible
Preventive Dental Preventive dental insurance covers 100% of preventive services including cleanings twice per
year and X-rays once per year. The plan offers either single or family coverage. Preventive dental is a mandatory
program if enrolling in health insurance.
Preventive Dental Monthly Premiums
Employee
$22.15
Family
$48.92
Optional Dental Insurance - Employees may choose to participate in optional dental. The plan offers either single
or family coverage. Optional dental pays 80% of basic or major services included restorative services such as
fillings, caps, and crowns after a $50 deductible. The maximum benefit per covered individual is $1,500 per
calendar year.
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Optional Dental Monthly Premiums
Employee
$18.46
Family
$43.26
Employee Life A term life insurance benefit of $50,000 with an AD&D benefit of $20,000 is available. Monthly
premiums are age banded as follows:
Age Range
Coverage Amount
Monthly
Premium
00-39
$50,000
$3.14
40-44
$50,000
$3.40
45-49
$50,000
$4.92
50-54
$50,000
$7.36
55-59
$50,000
$13.41
60-64
$32,000
$13.04
65-69
$21,000
$16.31
70-74
$14,000
$17.55
75-79
$9,000
$18.27
80-84
$6,000
$19.72
85 & over
$4,500
$23.96
Dependent Life Dependent life insurance is also available and provides a benefit of $4000 per dependent,
including spouse and children, at a monthly cost of $1.46.
Employer Contribution Towards Premiums - Central Wyoming College and the State of Wyoming establishes a
monthly contribution to help fund the costs of health, dental and life insurance premiums. Employer contributions
are first applied to health coverage premiums and any remaining balance may be applied to dental and employee
life insurance premiums.
Health Insurance Monthly Premium Rates & Employer/State Contributions Towards Premiums
Option I
Option II
Option III
Option IV
Option V
$3000
HDHP
Employer Contribution
900
2000
4000
$1500
HDHP
Employee
$1,118.81
$1,031.89
$945.80
$1,032.10
Varies per plan, dependent option, but covers
approximately 82% of premium.
Employee +
Children
1,698.80
$1,566.41
$1,436.09
$1,563.92
Employee +
Spouse
$2,252.55 $2,077.00
$1,904.21
$2,073.70
Family
$2,591.90
$2,388.16
$2,191.38
$2,391.16
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Pre-tax Premiums - Employees may elect to have insurance premiums deducted pre-tax reducing their gross
taxable salary.
Flexible Spending Accounts Also offered through the Employee Group Insurance program are three types of
Flexible Spending Accounts (FSA’s) for medical care, dependent care and wrap-around medical care. Employees
may elect to set aside an annual amount of planned out-of-pocket medical expenses in the Medical
Reimbursement Account. The amount elected is deducted from the employees pay check pre-tax thereby
reducing the employee’s gross taxable wages. In addition, an employee may elect to set aside pre-tax dollars for
dependent care expenses and certain other medical wrap around expenses. The expense must be incurred during
the plan year and the plan year coincides with the calendar year. The employee does not have to elect coverage
through the state insurance plan to participate in these reimbursement accounts.
VOLUNTARY/ELECTIVE BENEFITS
Vision - Central Wyoming College offers an eye care program with two coverage options Option B or Option C.
Coverage includes an eye exam each year, lenses each year and frames either once per year or once every two
years. The plan offers a three-tier premium schedule: employee only, employee plus one and employee plus two
or more dependents.
Short-term Disability (The Standard) Employees may elect to add short-term disability income protection
through The Standard. The plan offers a 14 day elimination period for injuries and pays a weekly benefit of 66 2/3
of the employee’s weekly earnings. The benefit period runs 180 days.
Long-term Disability (The Standard or Unum) Benefit-eligible employees may choose between two options for
long-term disability coverage. Employees may choose a long-term disability program offered by The Standard,
through Employee Group Insurance, which provides a 180 elimination period and pays 60% of monthly earnings
for a specified period of time. This disability program is 100% employee paid. The second long-term disability
coverage is offered through Unum. Coverage through Unum provides for a 90 elimination period and pays 60% of
monthly earnings for a specific period of time. Twenty-five percent of the premium for Unum long-term disability
is paid for by the College.
Long Term Care - Central Wyoming College offers an employee funded group long term care program that allows
employees and their immediate family to participate in the program at a group rate.
RETIREMENT & FINANCIAL BENEFITS
Retirement The current retirement rate for fully benefited employees is 17.12% of eligible gross earnings.
Central Wyoming College pays 14.19% and the employee pays 2.93%. New employees have a one-time option of
participating in either the Wyoming Retirement System (Defined Benefit Plan) or TIAA-CREF (Defined Contribution
Plan). Rehired, retired State of Wyoming employees who are enrolled in the Wyoming Retirement System are not
eligible for additional retirement benefits through Central Wyoming College.
Deferred Compensation and Tax Sheltered Annuities - Employees may participate in the Deferred Compensation
Plans (Section 457) or tax sheltered annuities (403(b)) through Wyoming Retirement System or TIAA-CREF.
Participation is voluntary and contributions can be made either pre-tax or post-tax.
Optional Life Insurance Optional life insurance packages are offered through both the Wyoming Retirement
System for employees who want additional life insurance coverage.
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WORKPLACE BANKING SOLUTIONS DIRECT DEPOSIT
Credit Union Central Wyoming College is affiliated with both Atlantic City Federal Credit Union and Meridian
Trust Federal Credit Union. Employees interested in participating with either institution should contact them
directly for further membership information.
Direct Deposit The College offers direct deposit of an employee’s monthly paycheck into a bank of their
choice. Employees are permitted to maintain up to three accounts.
Check Cashing College employees and students may cash personal checks in the cashier’s office according to
Business Office procedures.
PAID DAYS OFF
Judicial Service Any employee that must serve on a jury or give testimony in a court proceeding will not suffer
loss of pay, however, any money received (less travel and living expenses) as a result of judicial service shall revert
back to the College.
Vacation Vacations must be approved in advance and taken in coordination with the employee’s supervisor.
Maximum accrual is 24 month. When an employee separates from employment, unused, accrued vacation leave
will be paid off. Vacation leave is prorated for employees working less than 40 hours per week and/or less than
twelve months per year. Vacation is earned at the following rates per year for full-time, twelve-month employees:
Employee Classification Vacation
Earned
Years on Job
Benefited Administration 21 days/year
14 hours/month
n/a
Benefited Professional 21 days/year
14 hours/month
n/a
Benefited Classified 12 days/year
8 hours/month
0-2
Benefited Classified
15 days/year
10 hours/month
3-5
Benefited Classified
18 days/year
12 hours/month
5-10
Benefited Classified
21 days/year
14 hours/month
10+
Faculty members do not earn vacation because they are released from duty when school is not in session. Vacation
benefits do not extend to volunteers, students, or non-benefited employees.
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Personal Leave Fully benefited employees working 40 hours per week receive two (2) days of personal leave
which must be used in the fiscal year in which it is earned. Faculty members are responsible for identifying
substitutes to cover classes missed due to personal leave.
Sick Leave Fully benefited employees receive five (5) days of sick leave when hired and begin accruing sick leave
at the rate of one (1) day per month starting in the sixth month of employment. The maximum accrual is 100 days
of sick leave. This leave may be used for the employee, or the employee’s spouse, children or parents. Benefited
employees working less than full-time, twelve-months receive a prorated amount of sick leave.
Bereavement Leave Fully benefited employees working 40 hours per week receive five (5) days of leave per year
for the death of an employee’s parent, spouse, child and three (3) days of leave for the death of other members
of immediate family (parent-in-law, brother, sister, brother-in-law, sister-in-law, legal guardians, legal
dependents, grandparent, and grandchild).
Military Leave Benefited employees are eligible for consideration for a period of time to be determined by the
Board of Trustees for leave associated with National Guard or Reserves activities.
Holiday Leave CWC recognizes 15-18 holidays throughout the year. Benefited employees are paid for those
holidays that fall within their normally scheduled employment period.
Sabbatical Leave Full-time benefited faculty are eligible to apply for sabbatical leave after being employed full-
time for six (6) consecutive years, not to exceed the annual length of the employee’s current contract.
Maternity/Paternity Leave Benefited employees are granted up to two (2) weeks of paid leave associated with
the pregnancy, birth, postnatal care, or adoption of a child.
EDUCATION & WELLNESS BENEFITS
Educational/Wellness Release Time Benefited employees who work 40 hours per week are allowed paid release
time during working hours to participate in one formal credit course, one non-credit course, or one wellness
activity per semester with supervisor approval, up to a maximum of three hours per week.
Employee Assistance Program Free counseling services are available 24 hours a day, seven days a week from
anywhere in the United States through Unum. They can be accessed through a toll free number or online.
Fitness Center - An on-campus fitness center is available to students, faculty and staff of Central Wyoming College.
Tuition waivers - Tuition waivers are available for employees and/or dependents for credit courses taken from
Central Wyoming College and the University of Wyoming. Eligible employees may receive a 100% tuition waiver
of up to 3 credits per semester at CWC and eligible dependents may receive a 50% tuition waiver per semester at
CWC. Full-time, benefited employees may receive a 100% tuition waiver of up to 3 credits per semester at UW; and
part-time benefited may receive a reduced tuition waiver at UW. Additional information regarding qualifications
and limitations may be obtained from the Human Resources or Financial Aid Offices.
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OTHER BENEFITS
Employee Identification Card - Employees may obtain an Employee I.D. card from Rustler Central. A valid I.D. card
is necessary to use college library services, the College’s fitness center and free or reduced admission to selected
college sponsored activities.
Notary Public Free notary public services are available to all college employees and students in the campus
business office and other offices on campus.
Mail Room Service Services by US Postal Services, Federal Express, and UPS are available for employees and
students. Charges are consistent with the carrier’s rates.
Rusty BucksPurchase of Rusty Bucks at the cashiers window. If you purchase $100 worth of Rusty Bucks the
Business Office will load $110 on your ID card. Rusty Bucks can be used at the Food Court, The Grind (coffee shop),
the Book Store, and various vending machines around campus.
State Employee Discounts Many hotel chains and other entities offer discounts for state employees within the
state of Wyoming.
Liability Insurance All employees of CWC are provided limited liability coverage for false arrest, detention,
malicious prosecution, libel, slander, defamation, violation of right of privacy, wrongful entry, or eviction (student
housing), and invasion of right of private occupancy.
Questions regarding the benefit information contained in this Employee Benefits Summary may be addressed
directly to Human Resources at cwchr@cwc.edu
or by calling the Human Resource Office at 307-855-2112.