KAPS
KAPS Benefits Overview
Keene Administrators contracted to work 260 days are considered full-time employees eligible for a comprehensive benefits package of medical insurance, including prescriptions and vision care; health buy-out; dental insurance; life insurance; long-term disability and short-term disability; enrollment in the NH Retirement System; direct deposit; Section 125 Flexible Spending Accounts; sick leave and paid vacation days; paid holidays; and a 403(b) plan through Fidelity.
Keene Administrators hired after 7/1/2010 and contracted to work between 209 and 259 days a year are considered "regular" employees eligible for all benefits specified above, except for paid vacation.
Keene Administrators hired after 7/1/2010 and contracted to work less than 209 days a year are considered part-time employees eligible for prorated sick leave and enrollment in Section 125 Flexible Spending Accounts.
Full-time and regular administrators have 30 days after date of hire to choose the medical and/or dental insurance most useful to you and your dependents. Once you submit your elections, your choices will be recorded as your benefits elections until the next Open Enrollment period (every July 1st). You may not make any changes to your elections – even within the 30 day enrollment period – unless you have a qualified family status change. The effective date for medical and/or dental insurance is the first of any given month following date of hire or date of qualifying event.
Currently, both medical and dental insurance is offered through the HealthTrust. The HealthTrust has contracted with Anthem BC/BS of NH to insure their medical plans and Northeast Delta Dental to insure the Option 8 dental plan offered to Keene Administrators.
Benefit Policies-Bargaining Agreements
KAPS Insurance
Insurance
Insurance Choices
Listed on this page are all of the medical and dental insurance plans currently offered to employees in SAU 29. However, your district/group may only offer some of the choices shown. Currently, KAPS offers a choice of these three medical plans: AB20 HMO; AB 15 IPED and the BCOA 2-TIER 20 POS. The dental plan offered to KAPS employees is the Option 8 dental only.
For a comprehensive comparison sheet of the health plans offered please click here.
The federal healthcare reform law, PPACA, requires the school district to make available to all employees who are enrolled in, or eligible to be enrolled in the District's insurance, with a Summary of Benefits and Coverage (SBC). The SBC describes the plan benefits and coverage, including prescription coverage for each of the medical plans offered. The format of the SBC is designed to allow employees to compare benefits and coverage among the various health insurance plans offered. Please be aware that the SBC does not replace Anthem's Medical Plan Summaries as listed below. To obtain copies of the SBC's, please click here.
KAPS Insurance Costs
Insurance Costs
Employee deductions for medical and dental are taken on a pre-tax basis throughout the year. To view the Employer and employee costs for medical and dental insurance, please click below.
Keene Administrators Insurance Costs
Click here to be directed to the HealthTrust's Resources page to find the forms needed to enroll in SAU 29's medical and/or dental insurance. Once at this webpage, scroll down to Medical and Dental Enrollment. Print out the "Medical and/or Dental Application and Change Form". NOTE: SAU 29 offers both medical and dental insurance through the HealthTrust, so any changes must be made on the Medical and/or Dental Application and Change Form; please do not complete the Dental Application and Change form.
KAPS Health Buy-Out
Health Buy-Out
Keene Administrators who have elected not to receive medical insurance from the District and who have provided documentation to Human Resources that they are covered by medical insurance not provided by the District, shall receive a lump sum payment. One final note - health buyouts are considered fully taxable income by the IRS and are subject to federal employment taxes.
Contact Human Resources to request request more information about the buyout.
Flex Spending
Flex Spending
SECTION 125 - FLEXIBLE SPENDING ACCOUNTS - Plan Year July 1st – June 30th
Flexible Spending Accounts allow you to set money aside on a pre-tax basis to pay for out-of-pocket healthcare and/or dependent care expenses. For complete information on these tax saving plans, click on either the HealthCare Savings Account Brochure or the Dependent Care Savings Account brochure below.
Starting July 1st, staff may elect an annual election for a Flexible Health Care Savings account of $200 minimum up to $2,500 maximum.
An annual election for a Dependent Care Flexible Savings Account is allowed at $200 minimum up to $5,000 maximum.
Further information, along with the FSA debit card feature, reimbursement and direct deposit forms may be found at the HealthTrust website by clicking here and scrolling to Flexible Spending (FSA): If you wish to participate in an FSA account, please fill out the applicable enrollment form below and return to Human Resources no later than 25 days after your hire date or prior to the start of a new July 1st plan year. A NEW FSA ENROLLMENT FORM MUST BE COMPLETED EVERY YEAR - enrollment in the next plan year is not automatic.
KAPS, KEA, KEOPG and SAU29 Central Office Benefit Packet
SAU29 Benefit Packet
This packet contains links to the documents and forms you need to learn about and enroll in the HealthTrust coverage offered by
SAU29.
Retirement Benefits with 457(b)
Retirement Benefits
NHRS
All full-time, eligible employees must enroll in NHRS. Click here for more information and enrollment forms.
NH 457(b)
SAU29 is offering a State of NH 457(b) deferred compensation plan to specific employee groups. Payroll deductions will be taken on the annual elected amount. Below are plan highlights explaining about the State of NH plan and investing in a 457b.
State of NH 457(b) deferred compensation plan
403b Plan
NH School Administrative Unit 29 is pleased to partner with Fidelity Investments as our exclusive provider of investment options and record keeping services for the SAU 29 403(b) plan.
SAU29's 403(b) Plan
KAPS Life and Disability
Life and Disability
Life Insurance
Term life insurance, with Accidental Death & Dismemberment (AD&D) is offered to an eligible employee at no cost through the Maddison National Life Insurance Company and administered by HealthTrust. Eligible employees have term life policy that is valued based on the the employees group membership. Please see the appropriate group certificate(s) below.
Life insurance goes into effect the first day an employee is eligible or begins working for the district and remains in effect until an employee either retires or resigns. Upon first becoming eligible for the District paid term life insurance, please complete the following enrollment form, sign and date and return to Human Resources: Life Beneficiary Designation Form
Following is the Life Insurance Policy to print for your records.
Please note you must be logged into your SAU 29 google account to view the life insurance and LTD policies.
KAPS Certificate of Life Insurance
Short Term Disability
Short-term disability (STD) is paid by the District at 60% of either your per diem rate (if you are paid an annual salary), or 60% of your hourly rate (for support staff). An employee is eligible for STD upon exhaustion of all sick leave OR on the 10th consecutive day out sick (whichever is later).
Long Term Disability
Long-term disability insurance is offered by the Keene School District at no cost to all eligible employees. Long-term disability (LTD) is paid as a monthly benefit by our insurance carrier at 60% of your pre-disability earnings. The benefit waiting period for long-term disability is the later of: a) 90 days; or b) the date your accumulated sick leave ends, if applicable.
Please note you must be logged into your SAU 29 google account to view the life insurance and LTD policies.
LTD Insurance Booklet