About the US Insurance Plan

General Provisions:

The insurance plan includes:

  • Life
  • Accidental death and dismemberment
  • Long term disability
  • Hospital/medical benefits

 
Dental benefits are optional on a school by school basis. In addition, optional term life and vision benefits can be purchased on an individual basis. A limited benefit option is available.

This option includes:

  • Life
  • Accidental death and dismemberment
  • Long term disability
  • Dental (if dental has been elected by the school)

 

Eligibility:

The plan is available to active full time and certain part time employees of our member schools and affiliated institutions and colleges in the U.S. The plan is administered by a board of trustees; the day to day administration and operation is carried out by the our employee benefits department. Benefits are underwritten by Starmark Insurance Company, Priority Health, Delta Dental, The Hartford Life Insurance, and Vision Service Plan. Availability of plans depends on the location of the school.

 

Benefits:

Life Insurance for Employees:
All plans provide $20,000, $50,000, or $100,000 of life insurance coverage until an employee attains age 70. The first day of the calendar month following the employee’s 70th birthday, the $20,000, $50,000, or $100,000 benefit is reduced 35 percent. Additional 20 percent reduction occurs upon attainment of age 75 and an additional 15 percent at age 80.

Life Insurance for Covered Dependents:
All plans provide $4,000 of life insurance coverage on enrolled spouses as well as $2,000 of coverage on all covered dependents who have attained the age of 14 days and $1,000 from birth to 14 days.

Optional Life Insurance for Employees and Spouses:
Individuals may elect up to $250,000 in units of $10,000 as supplemental life insurance.

Accidental Death and Dismemberment for Employees:
Schedule of coverage is equal to the life insurance amount. Twenty-four hour coverage is provided.

Long Term Disability:
All plans provide a monthly benefit equal to 60 percent or 66-2/3 percent of salary, subject to a maximum of $5,000 or $9,000 reduced by certain other income.

Optional Vision:
All covered employees are eligible for the vision benefit offered through VSP.  Two options are available:  VSP 1 & VSP 2.

Comprehensive Health Care:
Multiple plan options are available and vary by state.  Contact us for more information.


Adoption Benefit

Provides up to $3,000 for eligible expenses. 

Dental Expense Benefits (Optional)

  • Maximum $1,500 per fiscal year
  • $1,500 course of orthodontia
  • Fiscal year deductible: $50 per person/$150 per family
  • Coinsurance: 50 percent crowns, dentures, bridge-work, gold fillings, gold onlays, gold inlays and orthodontia; 80 percent all other charges; 100 percent diagnostic and preventive

 

For additional information, please email Amy Slachter, benefits specialist, at aslachter@csionlione.org, or write or call us at:

Christian Schools International Insurance Plan and Trust Fund
3350 East Paris Ave SE
Grand Rapids, MI 49512
Phone: 877.274.8796, ext. 233
Fax: 616.301.2149