Benefits

Full-time, twelve (12) month employee: An employee who is scheduled to work on average at least thirty-seven and one-half (37.5) hours or more per week over twelve (12) months of the year.
Full-time, eleven (11) month employee: An employee who is scheduled to work on average at least thirty-seven and one-half (37.5) hours or more per week over eleven (11) months of the year.
Full-time, ten (10) month employee: An employee who is scheduled to work on average at least thirty-seven and one-half (37.5) hours or more per week over ten (10) months of the year.
Full-time, nine (9) month employee: An employee who works over a nine (9) month schedule with at least an average of thirty-seven and one-half (37.5) hours or more per week.
Part-time with Retirement Benefits: the assignment to a position budgeted for at least 1,000 hours, but less than 1,650 hours in a calendar year.
Part-time: the assignment to a position budgeted for less than 1,000 hours in a calendar year. This position could be either regular or temporary.
Temporary: The assignment to a position for a limited period of time.

Faculty Eligibility Definitions

Full-time and part-time status is determined by the Provost’s Office.

Staff Benefits Eligibility Table

2023 Benefits Summary Sheet - This applies to all benefit eligible employees

2023 Monthly Medical Contribution Rate Sheet - This applies to all benefit eligible employees

Flexible Spending Arrangements (FSAs) allow you to pay certain qualifying expenses with pre-tax dollars for medical and dependent care expenses.

Accessing your Medical Mutual FSA

Medical Mutual FSA has completed its newly designed My Spending Accounts website. Now you can manage both your health plan and your FSA in one place using My Health Plan, a secure member website through Medical Mutual.

To access your FSA information if you have Medical Mutual insurance:

• Go to MedMutual.com/member
• Log in or register for a My Health Plan account
• Click My Spending Accounts under the Claims and Balances tab
• Accept the Terms and click Submit

If you have any questions about the registration process or your FSA, please call (800) 525-9252.

To access your FSA information if you do NOT have Medical Mutual insurance:

• Contact Customer Service at 1-800-525-9252 to obtain your FSA employee ID number.
• Go to www.MedMutual.com/MySpendingAccounts

Eligible Health FSA Expenses

Only eligible expenses can be reimbursed through your Health FSA. These expenses are defined by Internal Revenue Code § 213(d) and your employer’s plan.

Generally, eligible expenses include items that are meant to diagnose, cure, mitigate, treat, or prevent illness or disease. This also includes transportation for medical care. However, expenses such as cosmetic surgery, insurance premiums, vitamins, and items for general well-being are not eligible expenses.

Over-the-counter (OTC) medicines and drugs require a prescription to be an eligible Health FSA expense. You must obtain a written or electronic prescription from a doctor (or another individual who can legally issue a prescription) in the state in which you purchase the OTC medicines. This rule does not apply to eligible OTC health care items (i.e., thermometers and bandages).

Health FSA expenses must be incurred by you, your spouse, or your eligible dependents during the current plan year and while you are an active participant in the FSA plan. Medical care expenses are incurred when you (or your spouse or dependents) are provided with medical care – not when you are formally billed, charged for, or pay for the medical care. Only qualified “out-of-pocket” expenses are eligible for reimbursement. Expenses previously reimbursed by your Health FSA or covered by any other plan or program are not eligible for reimbursement. There’s no “double-dipping” allowed.

Expenses reimbursed under your Health FSA may not be used to claim any federal income tax deduction or credit.

Examples of Eligible Health FSA Expenses:

• Medical expenses: co-pays, co-insurance, and deductibles
• Dental expenses: exams, cleanings, X-rays, and braces
• Vision expenses: exams, contact lenses and supplies, eyeglasses, and laser eye surgery
• Professional services: chiropractor and acupuncture
• Prescription drugs and insulin
• Over-the-counter health care items: bandages, pregnancy test kits, blood pressure monitors, etc.

Medical Mutual Health Care FSA Brochure

Eligible Dependent Care FSA Expenses

Only eligible expenses can be reimbursed under the FSA. These expenses are defined by (§)129 and your employer’s plan.

Dependent care expenses must be incurred during the coverage period so you (and your spouse, if married) can work or look for work. Full-time students who attend school for at least five months during the tax year may also incur dependent care expenses. “Work” may include actively looking for work, but it does not include unpaid volunteer work or volunteer work for a nominal salary.

A dependent care FSA covers qualified dependent care expenses incurred for the care of one or more qualifying individuals.

Eligible Expenses

• Before-school and after-school care
• Expenses for preschool/nursery school
• Extended day programs
• Au pair services (amounts paid for the actual care of the dependent)
• Baby sitter (in or out of the home)
• Nanny services (amounts paid for the actual care of the dependent)
• Summer day camp for your qualifying child under the age of 13
• Elder day care for a qualifying individual

Ineligible Expenses

• Amounts paid to your spouse, your child under age 19, a parent of your child who is not your spouse or an individual for whom you or your spouse is entitled to a personal tax exemption as a dependent
• Expenses related to a disabled spouse or tax dependent living outside your household
• Educational expenses
• Tuition for kindergarten and above
• Food expenses (unless inseparable from care)
• Incidental expenses (such as extra charges for supplies, special events, or activities unless inseparable from care)
• Overnight camp

Expenses reimbursed under your dependent care FSA cannot be used to claim any federal income tax deduction or credit.

Medical Mutual Dependent Care FSA Brochure

Note: If you are enrolled in a High Deductible Health Plan you cannot participate in a health flexible spending arrangement.

Provider
Medical Mutual FSA
MedMutual.com/member
800.525.9252

Flexible Spending Account Plan Document

PLAN DOCUMENTS

Benefit Book – Medifil: Retirees Over 65 (208)
Benefit Book – Medical Mutual PPO (209)
Benefit Book – Medical Mutual Single HDHP (213)
Benefit Book – Medical Mutual Family HDHP (217)
Benefit Book – MetroHealth Select
Cigna Dental Preferred Provider Organization (DPPO)
Cigna Dental Health Maintenance Organization (DHMO)
Flexible Spending Account Plan Document
VSP Benefit Summary
EyeMed Benefit Summary
Unum Basic Life (under 10 yrs. service)
Unum Basic Life (10 yrs. + service)
Unum Long Term Disability
 

Faculty Benefits Plan Overview
Faculty Parental Leave Policy

GLOSSARY OF MEDICAL TERMS

This section defines many of the terms used throughout the benefits webpage.

EpiphanyRX will be John Carroll's new Pharmacy Benefit Management (PBM) Company starting January 1, 2022.  Below are some useful tools to help you through the transition and with any future pharmacy needs.

• Contact Epiphany RX Member Services 24/7 at: 844-820-3260 
• EpiphanyRX Website with links to member services.
• EpiphanyRX Transition Presentation

As a member of Medical Mutual's SuperMed PPO Network, you have access to Cleveland Clinic’s Express Care Online. Express Care Online is a secure service that offers 24/7 care with no appointment needed for simple conditions such as sinus infections, cold symptoms, rashes, ear aches and stomach pain.

About Cleveland Clinic Express Care

Cleveland Clinic Express Care Online

Staff PPO – SBC

Faculty PPO – SBC

HDHP Single – SBC

HDHP Family – SBC

MetroSelect EPO – SBC

• MetroHealth Network Locations
• LakeHealth Locations
• MetroHealth Pharmacy Locations

Spry

Spry exists to provide you with a personalized and comprehensive approach to your health care. At Spry, we can help you stay on top of routine care, focus on prevention and make significant health improvements— all with the level of care, convenience and attention you deserve.

Spry Membership Overview
Spry Senior Brochure

Mobile Mammogram – New Dates Available

• Space is limited, Schedule Ahead
• No doctor order required

MetroHealth is making it easy for you to receive a preventive mammogram from our 3D Mammography Coach around Northeast Ohio. For your convenience, you can schedule ahead by clicking the button below, no doctor order needed.

In 15 minutes or less, you can safely receive a state-of-the-art 3D mammography exam from a specially trained Registered Mammography Technologist. The mobile coach brings the same technology used at all MetroHealth Breast Imaging sites with extra safety precautions in place due to COVID-19.

To learn more about the MetroHealth Mobile 3D Mammography Coach, visit metrohealth.org/mobile-mammography.

Virtual Care replaces Retail Clinics

​Throughout the pandemic, patients and clinicians used virtual care to stay safe and provide effective care. Sick visits and minor injuries can and are now conveniently addressed through virtual visits. ​​As we continue to look forward, we recognized that the retail care model has been replaced by virtual care. ​Therefore, effective July 6, MetroHealth is no longer operating retail clinics at Discount Drug Mart locations. 

MetroHealth Pharmacies now Offering Free COVID Vaccines

​​​Free COVID-19 vaccines are now available at all MetroHealth Pharmacy locations. With 10 MetroHealth Pharmacy locations throughout Cuyahoga County, this allows more convenience and increased access to COVID-19 vaccines.

Participants are encouraged to schedule an appointment to get vaccinated online through their MyChart account (if you are a MetroHealth patient) or by visiting MetroHealth's COVID-19 vaccine scheduler​. Patients who need help scheduling their vaccine may call 216-778-6100. Walk-ins will also be accepted at all sites.

All pharmacies will offer the Pfizer vaccine, which can be given to anyone age 12 and up, except Broadway, which will offer only the Moderna vaccine for those 18 and up. When patients get their first dose, they'll be scheduled for their second dose. Minors must be accompanied by a parent or guardian. They also must complete a registration/consent form and bring it to the appointment.

Cigna Dental

• Dental Health Flyer
• Diabetes and Oral Health
• Little Mouths, Big Smiles

Medical Mutual

• Medical Mutual Member FAQ

EyeMed

• Know Before You Go - Cost estimator tool

Currently John Carroll University participates in the Teachers Insurance and Annuity Association of America (TIAA) retirement plans. This section explains how to access information about your retirement plan.

John Carroll University recognizes the importance of helping you plan for your financial future. Your retirement program is an important part of your overall benefits.

Currently John Carroll University participates in the Teachers Insurance and Annuity Association of America (TIAA) retirement plans. For detailed information about the plans offered, please go to the dedicated John Carroll / TIAA website at www.tiaa.org/jcu.

New IRS Limits for 2023

The limit on elective deferrals – the most an employee can contribute to a 403(b) account out of salary – is $22,500 in 2023. Employees who are age 50 or over at the end of the calendar year can also make catch-up contributions of beyond the basic limit on elective deferrals. For a link to the IRS website click HERE.
Quick Guide to Managing Your Retirement Account Online

University’s retirement plan summary annual reports

To comply with requirements established by the Employee Retirement Income and Security Act (ERISA) of 1974, this is notification that the University’s retirement plan summary annual reports for the plan year January 1, 2021 through December 31, 2021 are available for review below.

SUMMARY ANNUAL REPORT
FOR JOHN CARROLL UNIVERSITY DEFINED CONTRIBUTION AND
TAX DEFERRED ANNUITY RETIREMENT PLAN

If you have any questions about this notification, please feel free to contact Ryan Armsworthy, Director of Total Rewards at 216-397-1576.

CBIZ Retirement Matters Newsletter - 2Q 2023

Get TIAA Assistance

TIAA Live Webinars - April

John Carroll University offers a variety of leave opportunities to support employee work-life balance and respect an employee’s need for time away from work. 

Paid Leave Time Chart 

Please see section I-4: Leaves and Accommodations on the Policies Page

IMPACT SOLUTIONS: EMPLOYEE ASSISTANCE PROGRAM

• Employee Perks & Discounts
• Liberty Mutual Discounts
• Ohio Educational Credit Union
• Best Benefits Club (BBC)
• Flexible Spending Account (FSA) Store
• Employee Tuition Waiver & Exchange Programs