STATE EMPLOYEES
RETIREMENT COMMISSION
COMPTROLLER'S SEAL STATE OF CONNECTICUT 55 ELM STREET
HARTFORD, CONNECTICUT
06106-1775
TELEPHONE: (860) 702-3480
TELEFAX:(860) 702-3489
MEDICAL EXAMINING BOARD
for DISABILITY RETIREMENT
HEALTH CARE COST
CONTAINMENT COMMITTEE
STATE OF CONNECTICUT
RETIREMENT AND BENEFIT SERVICES DIVISION
OFFICE OF THE STATE COMPTROLLER

RETIREMENT & BENEFIT SERVICES DIVISION MEMORANDUM

JULY 15, 2004 

TO THE HEADS OF ALL STATE AGENCIES

ATTENTION: Personnel and Payroll Officers
SUBJECT: Supplemental Employee Benefits Program Update

Comptroller's Memorandum No. 2001-03 introduced enhanced and improved features of the Supplemental Employee Benefits Program (Program) and, within that communication, presented its components, and outlined issues pertaining to both implementation and administration. 

The Program is designed to provide employees with access through the central payroll system to offerings that complement those basic benefits the state funds either in whole or in part; all benefits available under the program are paid for in their entirety by voluntary employee payroll deductions. As currently constituted, the Program offers seven supplemental benefits: (1) short term disability insurance; (2) long term disability insurance; (3) auto and homeowners insurance; (4) cancer insurance; (5) universal life insurance; (6) term life insurance; and (7) long term care insurance. 

A brief description of the benefits offered as well as the authorized vendors and their telephone numbers follows. This description should help familiarize agency personnel and payroll officers who have responsibility for benefits administration with supplemental products currently available. In addition, this description attempts to clarify issues that have been raised since the Program's commencement, including the availability of supplemental benefits to domestic partners*. 

Short Term Disability Insurance** Two vendors offer this product
 
Colonial Supplemental Insurance Company - (860) 645-8833
 
Available to full-time, active employees working 20 or more hours per week, this product protects against the short-term loss of income due to an on the job or off the job covered accident or illness.
 
Medical Life Insurance Company - (866) 858-1171

Available to full-time, active employees working 20 or more hours per week, this product protects against the short-term loss of income due to an off the job covered accident or illness.

 
Long Term Disability Insurance** One vendor offers this product
 
Hartford Life & Accident Insurance Company - (888) 723-8583
 
Available to full-time, active employees, working at least 30 hours a week, this product protects against the long-term loss of income due to accident or illness. This offering should be of particular interest to members of Tier II and Tier IIA of the State Employee Retirement System as they are not covered by non-service connected disability provisions prior to completing ten years of vesting service.
 
 
Auto & Homeowners Insurance Two vendors offer this product
 
Metropolitan Casualty & Property Insurance Company & Affiliates - (800) 438-6381
 
Liberty Mutual Insurance Company- (800) 225-8281
 
Available to full-time, active employees, retirees, spouses and domestic partners*, this product protects against liability and damage to, or loss of, auto, home and other personal property.
 
 
Cancer Insurance One vendor offers this product
 
AFLAC - (877) 295-9939
 
Available to full-time, active employees, retirees, spouses and domestic partners*, this product pays benefits for certain cancer treatments and screenings. It is designed to supplement existing health insurance coverage.
 
 
Universal Life Insurance** One vendor offers this product
 
ING Employee Benefits- (800) 842-8444
 
Available to full-time, active employees, retirees, spouses, domestic partners*, children and grandchildren*** interested in supplementing their life insurance coverage offered on a qualified issue basis.
 
 
Term Life Insurance** One vendor offers this product
 
Medical Life Insurance Company - (866) 858-1171
 
Available to full-time active employees, retirees, spouses, domestic partners*, and children interested in supplementing their life insurance coverage (employee/retiree must participate in the State's basic Group Life Insurance Program).
 
Long Term Care Insurance A Long Term Care Request For Proposal for New Vendor selection will be issued in the near future. This vendor is not accepting new applications. OSC will communicate updated information once available.
 
Available to full-time, active employees, retirees, spouses, domestic partners*, and children this product protects against the cost of long term health care, whether at home or in a convalescent hospital. This group policy is approved by the Connecticut Partnership and, as such, protects a subscriber's assets from depletion due to the cost of long-term care.
 
Formerly serviced by UNUM, current participants are now serviced by MedAmerica at 1-877-202-6043.
 

* Domestic Partners are defined as: At least 18 years of age, of the same sex, have lived together at least 12 months, are not married to someone else and are jointly responsible for maintaining a common household.

** Open enrollment periods are conducted for these benefits. Eligible employees will be allowed to enroll during their agency's open enrollment period without the need for medical underwriting or a physical examination, subject to certain coverage limitations. This privilege will be extended to new employees hired after the open enrollment period concludes.

***Grandchildren who are residents of New York and under the age of 14 are not eligible.

Subject to operating needs, agencies are encouraged to accommodate the Program's authorized vendors so that they can speak to, meet with, and enroll employees. With the exception of vendors authorized to participate in the Deferred Compensation (457) and Supplemental Annuities (403b) Program, agencies are specifically directed to deny access to any other firms seeking to market products or services to state employees, as they have not received the Comptroller's authorization.
 
Coverage and policy content questions should be directed to vendor representatives.
 
The general responsibility to administer the Program has been assigned to the Comptroller's Retirement & Benefit Services Division (RBSD); accordingly, administrative and related concerns should be directed to the RBSD at (860) 702-3543.
 
The specific responsibility to administer payroll deductions for employees who elect to participate in the Program has been assigned to the Comptroller's Payroll Services Division (PSD), which will coordinate directly with each vendor for payroll deduction processing. Payroll Services Division will also no longer accept deduction override transactions for the following supplemental benefit program deduction codes:
 
Supplemental Benefits Program Vendors Deduction Codes: AFLAC, COLLIF, COLSTD, HAILIB, HAIMET, LIFING, LIFMDS, LIFTRM, LTCARE, LTDISB.
 
Employees should contact the vendor directly for assistance. In the event an employee has a deduction for a benefit for which they have not enrolled, contact Payroll Services Division at 860-702-3464 for assistance.

Very truly yours,

NANCY WYMAN, STATE COMPTROLLER

BY:

Thomas C. Woodruff, Ph.D., Director
Retirement & Benefit Services Division

NW/TW/nm

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