2020 Employee Benefits Summary
Coverage begins the first day of the month following the date of hire. If the date of hire is the first working day of the month, coverage begins immediately. Spouse or same-sex domestic partner, and dependent children are eligible for coverage. Eligible employees at Renton Technical College (RTC) receive a generous benefits package in addition to their paycheck, including:
Employees pay a portion of their medical care cost through payroll deduction. The employee premium is based on the choice of plan and coverage for lawful spouses, same-sex domestic partners, and dependent children. More information can be found by visiting the WA State Health Care Authority (PEBB) website.
2020 Employee Monthly Contribution by Family Tier
|PEBB Medical Plans||Employee||Employee & Spouse||Employee & Child(ren)||Employee & Family|
|Kaiser Permanente NW Classic||$140||$290||$245||$395|
|Kaiser Permanente NW CDHP||$25||$60||$44||$79|
|Kaiser Permanente WA Classic||$176||$362||$308||$494|
|Kaiser Permanente WA CDHP||$27||$64||$47||$84|
|Kaiser Permanente WA Sound Choice||$42||$94||$74||$126|
|Kaiser Permanente WA Value||$100||$210||$175||$285|
|UMP Plus-UW Medicine (ACN)||$69||$148||$121||$200|
Renton Technical College provides dental coverage at no monthly premium cost to the employee. Benefit eligible employees have a choice of dental plans. Options include:
- Uniform Dental Plan (Preferred Provider Organization -PPO plan) Administered by Washington Dental Service (WDS)
- DeltaCare (Managed Care Plan) Administered by Washington Dental Service (WDS)
- Willamette Dental (Managed Care Plan) Administered by Willamette Dental
Employees do not pay separate premium for vision coverage; it is covered under the medical plan. Optical service frequency and hardware (glasses, contact lenses, etc.) vary depending on type of plan selected.
Waiving Medical Coverage
If you have other medical insurance you can choose to waive medical coverage for yourself or any family member. If you have existing coverage through your spouse or domestic partner, please contact the plan directly to see how they will coordinate benefits. If waiving medical coverage, the employee will still be covered under the dental insurance plan at no monthly premium cost.
Medical Flex Spending Accounts (FSA) & Dependent Care Assistance Program (DCAP)
The FSA and DCAP plans are offered by the College and the State of Washington. FSA is a PEBB sponsored benefit program that allows you to use pre-tax money in a calendar year to pay for certain out-of-pocket medical expenses and/or Child care expenses.
An FSA can save you 25 - 40% on your eligible expenses. Both plans are offered as payroll deductions.
Annual contributions in 2020 can be between a minimum of $240 to maximum of $2,700. As a "use it or lose it" IRC governed plan, medical expense reimbursements can be requested for employee, spouse, or their IRS eligible dependents.
Dependent Care FSA (DCAP) allows you to save on child or elder care expenses (e.g. babysitting, daycare, in-home care for an older dependent inept of self-care).
Permanent employees, lawful spouse, qualified same-sex domestic partner and dependent children under 26 years of age. Are eligible to enroll in life Insurance. Coverage is effective first of the month following the date of employment for basic coverage; for optional coverage, amounts become effective the first of the month following approval date.
- Basic Coverage: $35,000 Basic Term Life & $5,000 Accidental Death & Dismemberment (AD&D) This is employer provided at no cost to the employee.
- Supplemental Life Coverage(s): Supplemental term insurance coverage for employee, lawful spouse, qualified same-sex domestic partner and family is available in $10,000 increments from $10,000 up to $100,000, at additional cost to the employee.
- Supplemental AD&D Coverage: Voluntary Accidental Death and Dismemberment for employee, lawful spouse, qualified same-sex domestic partner and family is available at additional cost to employee.
Life Insurance Evidence of Insurability may be required for certain supplemental coverage amounts.
Long-Term Disability (Two Plans offered)
- Basic Plan: Employer provided and at no cost to the employee. It Provides 60% of the first $400 pre-disability monthly earnings, reduced by any deductible income. The maximum benefit $240 per month; the minimum benefit $50 per month. Benefits begin after 90 days of disability or the period of accumulated sick leave, whichever is longer.
- Optional Plan: Pays 60% of pre-disability monthly earnings, reduced by any deductible income, and is available at additional cost to employee. Maximum benefit $6000 per month; minimum benefit is $240 per month. Cost for the optional plan is determined by employee type and waiting period selected.
Retirement Options (Tax Deferred Retirement Plans)
|Plan||Employee Contribution||Employer Contribution|
|PERS Plan 2: defined benefit plan for classified staff||7.90% of gross salary||12.86% of gross salary|
|PERS Plan 3: defined benefit & employee defined contribution for classified staff, Administrators, and Exempt employees||Varies from 5% to 15%||12.86% of gross salary|
|TRS Plan 2: defined benefit & employee defined contribution for Faculty||7.77% of gross salary||15.51% of gross salary|
|TRS Plan 3: defined benefit & employee defined contribution for Faculty||Varies from 5% to 15% of gross salary||15.51% of gross salary|
|TIAA-CREF: defined contribution plan for Faculty, Administrators, and Exempt employees||Under 35: 5% of gross salary; 35-49: 7.5% of gross salary; 50 & over: 10% of gross salary||n/a|
*Employee and Employer contributions to applicable retirement plans are mandatory for benefit eligible employees. The amount of the deduction and contribution are dependent upon the retirement plan chosen and may vary by current contribution rates in effect.
Supplemental Retirement & Deferred Compensation Plan
Supplemental Retirement Plan
In addition to regular matched retirement, employee can voluntarily participate in a 403(b) plan and set aside a portion of their income in Pre-Tax Elective Deferral or an After-Tax (Roth) Elective Deferral. Agreements and amounts can be changed at any time.
The State of Washington 457 plan permits employee to set aside additional pre-tax earnings for retirement savings.
Certain tax regulations allow employees to participate in one or both supplemental 403(b) plans and State of Washington's 457 deferred compensation plan.
Contributions to a 403(b) or 457 plan are funded solely by the employee.
Credit Classes (Reduced Classes)
Faculty employed at 50% or more and permanent classified, exempt, or administrative staff may take almost any credit class on a space-available basis if requirements and prerequisites have been met. To get the reduced tuition rate, the employee may not register until the date listed in the enrollment calendar (usually the third day of the quarter). Hourly and probationary employees are not eligible for this reduced tuition.
PEBB members may receive a discount of up to 12 percent off Liberty Mutual’s auto insurance rates and up to 5 percent off Liberty Mutual's home insurance rates. In addition to the discount, Liberty Mutual also offers:
- Discounts: based on your driving record, age, auto safety features, and more.
- A 12-month rate guarantee on their competitive rates.
- Convenient payment options including automatic payroll deduction, electronic funds transfer, or direct billing at home.
- Prompt claims service with access to local representatives.
Eligible employees may join one of two credit unions. Both offer member services that include payroll direct deposit, automatic bill pays, savings and checking accounts, overdraft protection, personal lines of credit and low interest loans.
As an RTC employee you are eligible for exclusive homeownership benefits with the Hometown Home Loan Program offered through Home Street Bank. With this benefits package, you have access to vital homeownership resources.
Eligible employees will be paid for up to eleven (11) of the following holidays:
- Labor Day
- Veteran’s Day
- Thanksgiving Day
- The day after Thanksgiving Day
- Christmas Day
- New Year’s Day
- The legally designated day for Martin Luther King Jr’s birthday
- Presidents’ Day
- Memorial Day
- Independence Day
- Personal Holiday (1 day)
Employees accrue vacation (16.67 hour per month for exempt employees), sick (8 hours per month), and personal leave based on their classification (8 hours per year for exempt employees). To determine the accrual rate, refer to the appropriate contract or collective bargaining agreement.
Paid Family Medical Leave (PFML)
This benefit offers partially paid leave to care for yourself or a loved one in times of serious illness or injury; to bond with a new child joining your home through birth, adoption or foster placement; and for certain military-connected events if you have a family member in active duty service.
Under the PFML program, the Employment Security Department (ESD) will replace up to 90% of an eligible employee’s typical weekly wage (up to $1,000 per week). To learn more about this benefit, please visit the ESD PFML website.
Families First Coronavirus Response Act (FFCRA or Act)
The Families First Coronavirus Response Act (FFCRA or Act) requires employers to provide their employees with paid sick leave and expanded family and medical leave for specified reasons related to COVID-19. These provisions will apply from April 1, 2020 through December 31, 2020.
Health Benefits / Plan Comparisons / Plan Contact Information: WA State Health Care Authority website.