Individual Choice (Benefits)

Ithaca College is committed to providing high quality benefits programs that give you the options and flexibility you need at work and in life. Benefits are an important component of the total compensation package offered by the College. Our goal is to offer employees the most comprehensive benefits plan possible at affordable prices.

Individual Choice is the College's flexible benefit program. It allows you to choose benefits that fit your individual needs. By selecting wisely, you create a benefits package for yourself and your family that is truly an Individual Choice.

How Individual Choice Works

Individual Choice begins with a level of coverage necessary for the basic financial protection of each employee. This basic required coverage includes:

  • medical coverage (unless you are covered under another medical plan);

  • $20,000 of life insurance (increasing to $50,000 for 2015); and

  • long-term disability coverage once you become eligible.

You have the option to build upon these core benefits. With the Individual Choice program, you choose from an array of selections to meet your needs.

Benefit Credits

Each benefit-eligible employee receives a predetermined number of benefit credits from the College. Depending on the options you choose, your total credits will cover all or part of your flexible benefits package.

If you decline medical coverage under the Individual Choice program, you will receive fewer benefit credits, plus a separate number of cashable credits. You can have your separate cashable credits added to your taxable pay. Alternatively, you can use these credits to purchase other benefits or deposit them into a flexible spending account.

Eligible Dependents

Eligible dependents are defined as:
  • Your legal spouse/grandfathered qualified domestic partner (QDP)*

  • Your legal children.

    • For the Medical,Dental, Vision & Hearing Care plans this includes your natural, adopted or foster children, stepchildren, or any child for whom you have legal custody or are required to provide health insurance by a Qualified Medical Child Support Order.

    • For the Dependent Life and AD&D insurance plans this includes your natural, adopted or stepchildren.

Dependents are eligible:
  • Up to age 19, for all benefits

  • Between ages 19 and 25, for all benefits provided they are a full-time student

  • Up to age 26, for medical insurance regardless of student or marital status

  • Age 19 or older, if unmarried and fully disabled.

*If you and your QDP were enrolled in benefits before January 1, 2015, your partner is eligible to remain on benefits for the duration of your eligibility.