Texas Retirement System (TRS): Buying Years of Credit
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
- 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
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.
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.
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
- 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.
To learn more about these benefits and more, contact the Benefits Staff for consultation.
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:
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 email@example.com.
Qualified adjuncts CAN take
from their Money Purchase Plan to buy
years. However, you must have a 30-day break in service
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
Contact the Benefits Staff for more information.
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!
Other Important Employment Links