Site owners

  • Peggy Raiford
  • Becky Villarreal

Navigation

Navigation

Health Benefits

Board Policy, D-6, the Employment of Adjunct Faculty states:

"It is a goal of the College that adjunct faculty whose total work for ACC equals half-time or more annually have adequate health-insurance benefits; the President shall, in each budget, provide a plan to implement this goal."

  • Adjunct Group Benefits Program (AGBP) This program allows you to buy into the Texas GBP via the Employee Retirement System of Texas (ERS), which includes health insurance, dental insurance, optional term life insurance, accidental death and dismemberment, dependent term life, disability insurance, and TexFlex for adjunct faculty who meet specific criteria outlined in the Texas Insurance code. Currently, adjuncts meeting the criteria must purchase their own health insurance and can only do so after teaching at the college for one calendar year or more. The enrollment period is in the summer, so you may not obtain benefits until the beginning of the fall semester. Currently, the ERS maintains that the new law not go into effect until September 2014.

ACA and TRS FAQs

  • If you are currently uninsured, you may qualify for discounted or free insurance. You may also be eligible for a tax credit that lowers your monthly premium or a reduction in cost-sharing. The Marketplace will use your household income, along with other factors, to determine whether you may be eligible for a premium discount. To evaluate your coverage options, including your eligibility for coverage through the Marketplace and its costs, visit www.HealthCare.gov. This website includes all the information about the healthcare exchange, enrollment information, and other pertinent information that you may need. Assistance is also available toll free at 1-800-318-2596. If you don’t have a certain level of health coverage in by 2014, you may have to make a payment/pay a penalty with your 2014 Federal tax return filed in 2015. There are some people who may qualify for an exemption.

    Open enrollment for the healthcare exchange: begins October 1, 2013 and ends March 31, 2014. If you wish to have coverage by January 1, 2014, you will need to enroll no later than December 15, 2013.

    ACC will have to cover the health insurance for adjuncts who work the equivalent of thirty hours a week or more. The administration has chosen the formula TRS uses to calculate the work week. With TRS, one LEH counts as two hours on campus. Therefore, if you teach two classes for a total of six LEH, you would get 12 hours a week; three classes would count as 18 hours a week. To be eligible for health benefits, you need to clock 30 hours per week.

    Some adjuncts who qualify for paid benefits will be allowed to choose the Adjunct Group Benefits Plan provided by ACC, but they must meet specific criteria outlined in the Texas Insurance code, which involves teaching at the college for one calendar year or more. Adjuncts that are eligible to buy into the group plan via HB 2127 will get to choose between the Marketplace Plan or the two plans offered by the college (Health Select and Scott and White). Dental and Life will not be included, but employees can pay to opt in.

  • Question: Some ACC adjunct faculty are eligible for employer-provided health insurance through the Teacher's Retirement System beginning in September of 2014. Are they required to obtain ACA-compliant coverage (or else pay the opt-out fee) for 2014? If they sign up for coverage through the marketplace in January, can they or must they drop it in favor of their employer-provided coverage in September 2014?" Answer: If you don’t have job-based coverage now but think you may get an offer of it later in the year, you should apply for a Marketplace plan during open enrollment. You can always end the plan later if you get an offer of job-based coverage.
  • ACC Wellness Program: This program provides information about, opportunities for, and inspiration to develop a more vital and healthier life through exercise, healthy eating, and other wellness activities. With this new, revamped program, free fitness classes are available on each campus.
Retirement
  • Retirement Funds and Paycheck Deductions ACC has a separate retirement fund for adjunct faculty; adjunct faculty generally are not members of TRS. For the Austin Community College Money Purchase Plan (ACCMPP) each month, 6% of your monthly salary is deducted pre-tax and sent to the ACCMPP and matched with 1.5% by ACC. The deduction for FICA is .45%. ACC does not participate in Social Security. If an employee terminates employment with ACC, he/she may choose to withdraw the retirement funds, roll over the funds to a qualified retirement account, or maintain the account. Employees would need to complete the Money Purchase Plan Distribution Election Form and submit the document to the company listed on the form.
  • Texas Retirement System (TRS)  Adjuncts who have established a pattern of teaching 20 hours weekly or more will be moved into the TRS retirement system. Each month, 6.4% of your monthly salary is deducted pre-tax and and matched with 6.8% by ACC and the state. Click here to see the ACA and TRS presentation by HR.
  • Tax Sheltered Annuity (TSA) (403-b) You can contribute a percentage of your monthly paycheck or a fixed amount to an ACC approved TSA vendor. If you wish to do this, refer to the authorized list of ORP/TSA Vendors and the Tax Sheltered Annuity Program (403-b) online.
  • 457 Deferred Compensation You can contribute a percentage of your monthly paycheck or a fixed amount to an ACC approved 457 vendor. If you wish to do this, refer to the authorized list of 457 Vendors and the 457 Plan online.
If you will be getting a government pension upon retirement like TRS and you have paid into Social Security, click here to learn about the WEP and GPO!

To learn more about these benefits and more, contact the Benefits Staff for consultation.

spacerTexas Retirement System (TRS): Buying Years of Credit

Adjuncts who have taught AT LEAST 7.5 LEH in each the fall and spring semesters have successfully purchased TRS credit for the years that this requirement was met. You need NOT to have been a previous TRS enrollee to take part in this program.
The first step is to print out Form 221:
http://www.trs.state.tx.us/benefits/forms/form_22i.pdf

Once you access the form, you will need to fill out your name, social, address, and answer the first question in section A. Finally, send the form to Al Sims in HR at HBC. Al's email is al.sims@austincc.edu.

Qualified adjuncts CAN take money from their Money Purchase Plan to buy TRS years. However, you must have a 30-day break in service in order to do this. The adjuncts who have taken this route simply do not teach during at least one of the 5.5 week summer sessions.

This information is relevant not only to adjuncts who are close to retirement age, but also to those who may have met the requirement for any given year and may thus be eligible to receive a TRS annuity upon retirement. The longer you wait to purchase these years, the more interest you must pay.

Note: Verification of service with TRS is a long process and it takes six months or more to process each individual report. HR is operating on a “first come first serve” basis. Therefore, please be patient and allow your paperwork to be processed without interference.

Contact the Benefits Staff for more information.

If you will be getting a government pension upon retirement like TRS and you have paid into Social Security, click here to learn about the WEP and GPO!

Compensation

Other Important Employment Links