Your Disability Benefits

Sick Leave Benefits - if you are unable to work due to sickness, the State will continue your salary for a limited time, based on accumulated sick leave.

Life Insurance - If you are totally disabled, your Group Life Insurance of $38,000 may be continued at no cost.

Retirement Plan - If you experience a job-related disability, you may qualify for a monthly disability benefit from the Retirement Plan.

If the disability is not job-related, you must have 5 years of service with the State.

This benefit may be coordinated with other sources of income. Your monthly disability benefit from the Retirement Plan plus Social Security benefits and Workers' Compensation benefits will not be less than 60% of your State salary.

Your Survivors' Benefits

In the event of your death, your survivors may receive:

Lump-Sum Benefits

$38,000 Group Life Insurance (as of 6/30/2000) 
$14,738 Retirement Plan Contributions Plus Interest 

Monthly Benefits

If you have been married for at least one year and either have 25 years of service or are eligible for regular retirement, upon your death your spouse would be eligible for a monthly benefit from the Retirement Plan, in lieu of your Retirement Plan Contributions and Interest.

Medical and Dental Benefits

If your spouse is receiving monthly retirement benefits, medical and dental coverage will continue for the duration of the monthly payments provided certain conditions are met. The State pays towards the cost of this coverage. If not receiving monthly benefits, your surviving spouse and/or children may continue their medical and dental coverage at their expense for a period of time following your death.

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Medical And Dental Benefits As An Active Employee

For employees residing in Connecticut, the following options are available from Anthem Blue Cross/Blue Shield, Physicians Health Services and MedSpan:

•  Point of Service (POS) - Under this option, health care services are available both within and outside a defined network of physician and other health care provider& POS members who obtain health care services from network providers pay a small co-payment and are eligible for all benefits provided by the plan according to the schedule of benefits. Services may be obtained from participating providers without a referral. Covered services obtained from nonparticipating providers are reimbursed at the rate of 80% of the plan allowance for in-network services after the annual deductible has been met. Pre-authorizations may be required for non-network services unless the care is necessitated by a bona fide emergency. Four POS options are offered.
•  Point of Enrollment (POE) - Under this option, health care services are available only from a defined network of physicians and other health care providers Each covered member must choose a Primary Care Physician (PCP); however, no referral from the PCP is necessary to receive care from participating providers. POE members who obtain health care services from providers outside the network must pay the full cost of these services unless the care is necessitated by a bona fide emergency. Three POE options are offered.
•  Point of enrollment - Gatekeeper (POE-G) - Under this option health care services are available only from a defined network of physicians and other health care providers. Each covered member must choose a Primary Care Physician (PCP) who coordinates all care. A referral from the PCP is required for all specialist services. POE members who obtain health care services from providers outside the network, or without a referral from their PCP, must pay the full cost of these services unless the care is necessitated by a bona fide emergency. Two POE-G options are offered.

ConnectiCare (POE-G) replaced Kaiser Permanente last year, it is unavailable except to employees enrolled at the present time.

State employees who reside outside of Connecticut have the option of enrolling in the State Preferred Point of Service plan. The employee cost is the same as the State BlueCare Point of Service plan.

Dental Insurance - Currently, employees are enrolled in the Indemnity Dental Plan offered by Anthem Blue Cross/Blue Shield or the CIGNA Dental Care plan.

Each Spring, an annual summary of health care options, prepared jointly by the Office of the State Comptroller and the Labor-Management Health Care Cost Containment Committee, is mailed to employees' home addresses; please refer to this summary or contact your agency Personnel/Payroll Office for more information regarding the plan options as well as information about enrollment procedures.

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