Summary of Benefits
OPERS provides group insurance plans, as well as a number of other benefits, for employees who work at least 30 hours each week. The effective date of coverage in most of the insurance plans is the first of the month following the month in which an individual begins employment with OPERS.
The following is a summary of some of these benefits intended as a brief overview of benefits. Specific and detailed information is available through the personnel department.
DisclaimerOPERS reserves the right to change or end its benefit plans or programs at any time. The following is a summary of the plans or policies or a description of their key features or details. In case of any conflict or question, the official plan documents or applicable policies, as amended from time to time, will govern.
Group Health Insurance
OPERS provides health insurance through the Medical Mutual of Ohio (MMO) SuperMed Plus plan. The plan offers coverage based upon whether or not you chose a network physician and/or provider at the time you seek medical care.
Currently, employee contributions are 10% of the premium cost and are subject to change annually.
MMO SuperMed Plus In-Network Benefits
Benefit coverage for those employees choosing MMO network physicians/providers at the time they seek medical care include:
- $25 office visit co-payment
- Most diagnostic/outpatient services covered at 100 percent after a $25 co-payment
- $100 emergency room co-payment if visit is deemed a valid emergency
- $200 individual deductible; $400 family deductible on inpatient and some outpatient services. Inpatient services and some outpatient services covered at 80 percent after the deductible is met. These services will be covered at 100 percent when the individual has paid $1,500 out-of-pocket in any contract year; maximum out-of-pocket per family is $3,000. There is a maximum lifetime benefit cap of $2.5 million.
- Prescription Drugs: Provided through Express Scripts, Inc.; 10% co-pay for generic prescriptions, 20% co-pay for brand formulary, 30% co-pay for brand non- formulary.
Out-of-Network Physicians and Providers
You may receive care by physicians and/or providers who do not participate in the MMO network. Benefits in these cases are paid at a reduced rate and are determined as follows:
- All covered services require a $400 individual deductible and/or $800 family deductible per contract year.
- Once the deductible is met, services are covered at 60 percent of usual, customary, and reasonable rates (UCR) until the participant has paid a maximum of $2,000 or $4,000 per family; at that time, services will be covered at 100 percent. There is a maximum lifetime benefit cap of $2.5 million.
- Prescription Drugs: 10% co-pay for generic prescriptions, 20% co-pay for brand formulary, 30% co-pay for brand non- formulary.
Group Dental Insurance
Individual or family dental insurance is available to OPERS employees through payroll deduction. The dental plan offers 100 percent usual, customary, and reasonable (UCR) coverage for all preventive dental services and 80 percent coverage after a $50 deductible is met on basic and major dental services. The OPERS dental plan provides up to a maximum of $2,000 toward covered charges per year. Orthodontia is covered at 50 percent up to a $2,000 maximum lifetime benefit.
Group Vision Insurance
Vision coverage is also available through payroll deduction. The vision plan includes in network and out of network benefits. In network covers 100% of exam, frames (up to $130), lenses, and contacts (up to $240) within the 12-month benefit period. Lasik coverage in network is at a 25% discount. Out of network coverage varies and has a higher out of pocket expense.
Group Life Insurance
OPERS provides employees with both term life and accidental death and dismemberment insurance at an amount equal to two times an employee’s annual salary to a maximum of $300,000.
This coverage becomes effective the first of the month following the month employment begins with OPERS. In addition to the term life policy, employees traveling on System business are covered by a $100,000 travel accident policy in addition to other benefits provided.
Finally, upon a full-time employee’s age and service retirement from OPERS, a term life insurance policy of $10,000 is provided at no cost to the retiree who had a minimum of five years of service with this office. All premiums are paid by OPERS.
This plan provides some salary replacement in the event of serious illness or injury. The maximum monthly benefit for disability under this plan is 45 percent of basic monthly earnings. There is a 90-day elimination period after an employee becomes disabled before benefits will be payable. All premiums for this coverage are paid by OPERS.
OPERS Retirement Plan
OPERS employees do not contribute to Social Security, instead they contribute to the Ohio Public Employees Retirement System. As a member of OPERS, contributions to the System through payroll deductions on a pre-tax basis are required. The current contribution rate is 10 percent of earnable salary. These contributions are credited to an employee’s savings account.
OPERS, in turn, is required to make contributions to the System at the rate of 14 percent of reportable payroll. Earnable salary, when combined with age and years of service with OPERS, will establish the amount of retirement for which an employee may be eligible. Refer to the OPERS Member Handbook available through the Human Resources Department for more information.
Direct Deposit of Payroll
OPERS requires direct deposit for all payroll checks.
Employees will be paid $100 upon completion of at least one year of service as of December 1. Employees will be awarded an additional $25 per year after 5 years of completed service and $75 for years 25 and over.
Deferred Compensation Program
The Ohio Public Employees Deferred Compensation Program is a voluntary deferred income program intended for employees to accumulate funds that will supplement their future retirement income.
Through OPERS an employee may authorize a portion of their salary to be withheld (using payroll deductions) and invested for payment at a later date. Money contributed to the program and any earnings are not subject to federal or Ohio state income tax until paid, at which time it is taxed as ordinary income.
Employee Assistance Program
OPERS offers an EAP to employees through Unum Provident. It provides telephonic nurse support, as well as legal, financial and mental health counseling. Three visits to certain providers are also covered at no charge.
Healthcare and Dependent Care Flexible Spending Accounts (FSA)
Employees may choose an FSA to reimburse themselves for healthcare or employment-related day-care expenses on a tax-free basis. To enroll, employees must estimate their eligible expenses for the coming year. This amount will be deducted in equal portions from each regular pay check before the check is taxed. Once the eligible expense is paid, receipts can be submitted for reimbursement. Money in this account is never taxed but must be used within the calendar year.
Educational Assistance Program
OPERS offers educational assistance of $5,250 annually. This provides employees with the opportunity to increase their value to the System and to make promotional opportunities more available. This program will provide reimbursement of expenses for courses or exams that mutually benefit the employee and the System.
Employees of OPERS may establish an account with the Credit Union of Ohio. Loans are available to members based upon credit union requirements. Deposits to savings or loan payments may be made by payroll deduction from each pay.
Ohio Tuition Trust Authority
Automatic payroll deduction for purchasing tuition units is available to employees who are enrolled in, or wish to enroll in the Ohio Tuition Trust Authority (OTTA) program.
Full-time employees accrue annual leave each pay period, beginning with the first full pay period worked. Part-time employees will accrue time at a pro-rated amount. This schedule of accrual is based on total years of active or purchased public service covered by OPERS, excluding out-of-state and/or purchased military service.
|Years of Creditable Service||Hours per
|Employee's Total Accumulated
Leave Per Year
|Less than 5 years||4||104 hours to 13 days|
|5 years||5||130 hours to 16.25 days|
|10 years||6||156 hours to 19.5 days|
|15 years||7||182 hours to 22.75 days|
|20 years or more||8||208 hours to 26 days|
Sick and Bereavement Leave
Employees accrue 4 hours of sick leave each pay period (104 hours per year/13 days). Employees who have accumulated a sick leave balance of 160 hours or more may be eligible to be paid for a portion of their unused sick leave each year depending upon how much sick time was used in the 12 month period.
Fifty percent of an employee’s accumulated sick leave will be paid at retirement if the employee worked 10 or more years. OPERS also grants bereavement leave of up to three continuous days for specified members of an employee’s family. The leave is charged against the individual's sick leave.
Employees are given 24 hours of personal leave on an annual basis to be used in the current year. New employees will receive a pro-rated amount of leave during the calendar year in which they begin employment.
Family and Medical Leave
Employees who have been employed at least 12 months and have worked 1,250 hours in the previous 12-month period are eligible for up to 12 work weeks of family and medical leave per year. Family and medical leave may be granted for the birth of a child or placement of a child for adoption or foster care; the serious health condition of a spouse, parent, or child; or the employee’s own serious health condition.
OPERS observes the following as paid holidays: New Year’s Day, Martin Luther King Day, President’s Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans’ Day, Thanksgiving Day, the day after Thanksgiving, and Christmas Day.
All employees must work an eight-hour day and five-day work week (Monday through Friday). The normal work day may begin no earlier than 7:00 a.m. and end no later than 6 p.m. Employees may request an arrival time, on a consistent schedule, between 7:00 a.m. and 9:00 a.m. New employees may request a flextime schedule after their orientation period. The ability to work a requested schedule is based upon the business needs of the unit.
OPERS provides parking to new associates at off-site locations near the OPERS office. On-site garage parking may be assigned as spaces become available.
A cafeteria is available to all OPERS employees. Hot breakfasts and lunches are served during particular hours. Refrigerators and microwaves are provided for employees’ convenience if they choose to bring their lunch.
Business Casual Dress
OPERS employees are expected to use good judgment concerning their appearance and workplace dress. Clothing should be appropriate and well-maintained. All employees, except for those in the counseling unit, may choose between professional business or business casual dress on a daily basis. Casual (jeans) day observed on Fridays. Employees who work in the counseling unit and meet with the public, should wear professional business dress on a daily basis. These employees, however, have the option of dressing in business casual each Friday. See handbook.
OPERS offers an exercise facility with various exercise equipment, showers, and lockers. This facility is available seven days a week from 5 a.m. to 10 p.m. You can workout anytime during the day using a combination of lunch and break time, or before or after work. OPERS employees are required to sign a release to use the exercise facility. There is a charge of $10 per month through payroll deduction to use the facility.
OPERS provides a smoke-free environment.