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Human Capital Services

Human Capital Services
Kansas State University
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1810 Kerr Drive
Manhattan, KS 66506-4801

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Benefits Information for New Hires

Welcome to K-State!

We are delighted that you have chosen to join the diverse and engaged community of Kansas State University! Our mission is to foster excellent teaching, research and service that develops a highly skilled and educated citizenry necessary to advancing the well-being of Kansas, the nation, and the international community.

Please check out the benefits summary for more information on all of the benefits available to you.  Below you will find information for orientation to the university, benefits for employees, and key resources to help you grow and flourish to be an integral part of the K-State community.

Again, welcome. It is a pleasure to have you as part of our K-State family.

Health and Life Insurances

All employees are eligible for insurance if hired into a benefit eligible (.5 or greater and working 1,000 hours).  Insurance plans are optional.  Health insurance premiums are paid by the employer and employee.  Optional life insurance plans are paid by the employee only.

Group Health Insurance (GHI) (31 day deadline)
  • State of Kansas mandatory 30+ waiting period-some exceptions apply
  • Enrollment through the State of Kansas Membership Administrative Portal (MAP)
  • Notification sent from State of Kansas when portal is open
  • Dependent documentation required
    • Spouse: marriage certificate or Pages 1 & 2-signatures required of 1040 or 1040a
    • Child(ren): birth certificate or birth confirmation letter
  • Documentation in another language: submit in native language and translation
  • Employer and employee pays
  • Plan A – Lower deductible, higher total out of pocket expense
  • Plan C – Higher deductible, lower total out of pocket expense
  • *Certain visa requirements mandate Plan A for employee coverage
Prescription Drug Insurance
  • Provided with health coverage, no additional cost

Dental Insurance
  • Must participate in health coverage to have dental
Vision Insurance
  • For vision hardware.  Glasses or contacts.
Lab Benefit Programs
HealthyKids Program
  • HealthyKIDS program helps eligible State employees cover the cost of the premiums for their children enrolled in the State Employee Health Plan.  The State will pay 90% of the cost of dependent children’s health premiums for qualified families.  Employees are responsible for the remaining 10%.
Health Savings Account (HSA) (31 day deadline)
  • Mandatory if enrolling in Plan C
  • Certain restrictions apply-may need to enroll in HRA
  • Employer and employee funded
  • Contributions belong to employee - portable
  • Contributions roll from year to year
Health Reimbursement Account (HRA) (31 day deadline)
  • Mandatory if enrolling in Plan C and not eligible for HSA
  • Documentation required for HRA enrollment
  • Employer only funded
  • Contributions belong to State – not portable
  • Contributions do not roll from year to year
HealthQuest
Flexible Spending Account (FSA) (31 day deadline)
  • Employee only funded
  • Dependent Care – Childcare or elder care – may enroll without insurance
  • Full Health Care – May use with Plan A or Plan C with HRA – may enroll without insurance
  • Limited Health Care – May use with Plan C with HSA-limited to dental and vision hardware
Basic Life Insurance-Standard Insurance Company underwriter
  • No cost coverage for the employee equal to 150% of your annual salary 
Optional Group Life (OGLI)-Standard Insurance Company underwriter
  • Guarantee issue of $300,000 without medical if enrollment within 30 days
  • Premiums determined by age and coverage amount
  • May apply at any time, subject to medical underwriting
  • Spouse coverage available
Teachers and Employees Association (TEA) Optional Group Life-MetLife underwriter
  • Guarantee issue of $100,000 without medical if enrollment within 30 days
  • Premiums determined by age and coverage amount
  • May apply at any time, subject to medical underwriting
  • Spouse coverage available
  • Child(ren) coverage available

KBOR Mandatory Retirement Plan

Kansas State University is very proud to offer the KBOR Mandatory Retirement Plan to our Faculty and Professional Staff who are benefits-eligible employees to participate in the Kansas Board of Regents (KBOR) Mandatory Retirement Plan.

Eligibility: As terms of employment, it is a requirement for Faculty and Professional Staff to participate in the KBOR Mandatory Retirement Plan after one year of service in a benefits eligible position. This one-year wait may be waived if specific criteria are met and the request for immediate participation is done within the first 90 days of employment.  If you qualify, Form PER-33 needs to be completed and returned to benefits@ksu.edu.

Who Pays: The employee contributes 5.5% of salary in pre-tax funds and the University contributes 8.5% of employee’s salary to the employee’s selected provider.  You are 100% immediately vested in this retirement account.

What are the Investment Choices:  Retirement plan providers are Voya Financial, and TIAA.

Am I assigned a Financial Service Advisor:  Each participate will be assigned a Financial Advisor at no cost to you.  There are also regular campus meeting available to discuss your investment strategy.  Reach out to your consultant as to specific campus visits.

Do I have any fees to be paid for this retirement plan:  There are no employee fees.

When can I take a distribution:  Withdrawals are only allowed at termination, death or retirement.

When can I take Retirement:  Regular retirement is available at age 60 with no minimum service requirement. Early retirement is available at age 55 with at least 10 years of service.

Related Information

Forms: 

KPERS Retirement Plan– Immediate Participation

All University Support Staff who are hired into a benefit eligible position (regular position requiring 1,000 hours or more per year) will immediately begin participation in the Kansas Public Employees Retirement System (KPERS).  Participation in the retirement system is mandatory for all employees in covered positions.  KPERS is a defined benefit plan, meaning members’ benefits are guaranteed by law and depend on a formula, not on member contributions or market performance.

Generally, employees hired January 1, 2015, or after, become KPERS Tier 3 (pdf) members.  If you had previous KPERS covered service, you may be in a different tier.  See the comparison chart or contact benefits@ksu.edu to determine which tier you might be in if you have previous KPERS service.

KPERS Tier 3

Who is a member

All members first employed on or after 1/1/15 in a covered position

Contributions

Employees contribute 6% of gross earnings (pre-tax to Federal income tax and taxable to State of Kansas income tax).

Employer contributions are contributed to the KPERS general fund and are not credited to individual employee accounts

Vesting (guaranteed benefits)

After 5 years of participation in KPERS

Full Retirement Eligibility

Age 65 plus 5 years of service OR Age 60 plus 30 years of service

Early Retirement Eligibility

Age 55 plus 10 years of service with a permanently reduced benefit

All covered employees should complete a Designation of Beneficiary form.  Completed forms can be submitted to benefits@ksu.edu.

For more information regarding KPERS Benefits, visit the KPERS website.

Optional Savings Plans

Kansas State University knows the value of setting aside pre-tax contributions in order to save for retirement.  All benefits-eligible employees can participate in several Optional Retirement Savings Plans.  These retirement programs can be started, changed or stopped at any time.  Pre-Tax Contributions are withheld from your paycheck bi-weekly.  There are no university contributions and you are 100% vested in all of these retirement programs. 

Who Pays:  These retirement programs are voluntary and are for pre-tax  or after-tax payroll deduction employee contributions only.  You will decide the contribution amount, pre or post tax, the payroll period begin/end date as well as the investment provider.  You are 100% immediately vested in these retirement programs.  This account is yours when you leave the university.

What type of Optional Retirement Plans: Through the State of Kansas, there are three different Optional Savings Plans.  The Voluntary Savings Plan, KPERS 457 Tandem Retirement Plan and LearningQuest.

The Voluntary Savings Plan

What are the Investment Choices:  Retirement plan providers are VALIC, Ameriprise Financial Services, Security Benefit Life, TIAA, Voya Financial, and Waddell & Reed.  See the link below for additional information.

How do I enroll:  Complete Form PER-19, and return it to benefits@ksu.edu.  It will be effective as of the next payroll processing date once complete and accurate information is received. 

Is there a minimum contribution amount:  There is no required contribution amount.

Is there a maximum contribution amount:  Yes, because Section 403(b) of the IRC allows employees to contribute pre-tax to this retirement program, the limits for 2015 are as follows:  $18,000.  If you are age 50 or older, you can contribute an additional $6,000.

What if I need to change my deferral amount:  You can start, stop, or change it at any time.  Complete Form PER-19 and return it to benefits@ksu.edu  It will be effective as of the next payroll processing date

Can I roll over old Retirement Plan Accounts:  Probably yes, but you need to talk with your Financial Advisor and provide them information such as type of retirement plan.  They will be able to work with you through the entire process.

When can I take a distribution:  Participants may access funds after termination, retirement, death, or for an approved hardship or loan.

The Kansas Board of Regents 403(b) plan is using Planwithease.com (PWE) to help administer the Retirement Program.  PWE is a plan administration service which will act on behalf of the KBOR Retirement Program to review and approve distribution requests that are allowed under the KBOR Plans for approved providers.*  PWE also offers account information and educational materials.  See the link below

Or you can work directly with your investment provider’s financial advisor.

When can I take Retirement:  Regular retirement is based on which retirement program you are a participant.  See the link below for the retirement age and service requirements.

Note that if you have taken out a Loan, unless you repay it in full, it will be taxable to you and if you are under age 59 ½, there is an additional 10% IRS penalty.  See your Financial or Tax Advisor for specific details and assistance.

Also because the contributions are made with pre-tax dollars, any distributions taken from the retirement plans will be taxable to you and some IRS penalties may apply.

KPERS 457 Tandem Retirement Plan

What are the Investment Choices:  The retirement plan provider is Great West Financial and is offered through KPERS.  See the link below for additional information.

How do I enroll:  A representative can meet with you to enroll or you can enroll online.  It will be effective as of the first payroll processing date in the next month once complete and accurate information is received. 

Is there a minimum contribution amount:  You can start with as little as $12.00 per payroll. 

Is there a maximum contribution amount:  Yes, because Section 447 of the IRC allows employees to contribute pre-tax to this retirement program, the limits for 2015 are as follows:  $18,000.  If you are age 50 or older, you can contribute an additional $6,000.

What if I need to change my deferral amount:  You can start, stop, or change it at any time.  You can make the change on-line or meet with your financial advisor.  Be sure to work them as to the payroll pay roll effective date.

Can I roll over old Retirement Plan Accounts:  Probably yes, but you need to talk with your Financial Advisor and provide them information such as type of retirement plan.  They will be able to work with you through the entire process.

When can I take a distribution:  Participants may access funds after termination, retirement, death, or for an approved hardship or loan.  You work directly with your Great West Financial Advisor. 

LearningQuest

The Kansas Learning Quest Education Savings Program is established by the State of Kansas and administered by the Treasurer of the State of Kansas. American Century Investment Company is the program manager for employee investments. These investment plans, sometimes called 529 plans, offer tax-deferred earnings growth and potentially reduced taxes on withdrawals. Contributions are made on an after-tax basis for the benefit of named beneficiaries.

When Eligible: Any employee – benefits-eligible or non-benefits-eligible – may begin participating on the first day of employment.

Who Pays: The employee contributes after-tax dollars up to the individual maximum. The University makes no contribution to this plan.

Is there a minimum contribution amount:  You must allocate a minimum of $25 per month for each account. 

How do I enroll:  Complete the Learning Quest Payroll Direct Deposit Change or Enrollment Form (pdf) and send it to Learning Quest, P O Box 29202, Shawnee Mission KS  66201-9202

Once LearningQuest has created an account(s) for you, they will forward a payroll reduction authorization to the University.  It will take effect as of the following payroll period.

What if I need to change my direct deposit amount:  You can start, stop, or change it at any time.  You will need to complete a new form and send it to Learning Quest.

Workers’ Compensation – Immediate Coverage

All Kansas State University employees are covered under the State of Kansas Workers’ Compensation Insurance provided through the State Self Insurance Fund (SSIF).  The university pays the cost of this coverage.  Injured employees must report all injuries to a supervisor and complete the Accident Report (1101-A) which must be submitted to benefits@ksu.edu within 3 working days of the accident.

Injuries Requiring Medical Attention
Emergency

Life or limb‐threatening emergency situations require immediate medical attention from the closest medical facility.  Injuries such as broken bones, profuse bleeding, head injuries, wounds that require stitches, chemicals in the eye(s), etc. are some examples of emergency situations.

Prior authorization is not required for emergency treatment but the supervisor should inform as soon as possible both Benefits Administration at 785-532-6277 and the SSIF at 785‐296‐2364.

Non-Emergency

Before seeking medical treatment in non-emergency situations, the supervisor should contact the SSIF at 785-296-2364.

More information, including Frequently Asked Questions (pdf), can be found on the SSIF website.