Facilities team group photo outside on stone steps

Benefits

New Medical Plan for Non-Align Employees

Effective Tuesday, September 1, 2020, active employees not represented by a Union (e.g. managers) covered by the New Jersey State Health Benefits Program (SHBP) and currently enrolled in the NJ DIRECT15, 1525, 2030, or 2035 plans, will be automatically converted to the new NJ DIRECT/NJDIRECT2019,* medical plan. If you are in one of these plans, you do not have to take any action

New Medical Plan Conversion Information – Effective Tuesday, September 1, 2020

  • Non- Aligned employees enrolled in NJ DIRECT15, 1525, 2030, or 2035 will be automatically transferred to the new NJ DIRECT/ NJ DIRECT 2019 plan.
  • Non- Aligned employees enrolled in a Tiered Network plan will remain in their current plan.
  • Non- Aligned employees enrolled in a HMO will remain in their current plan.
  • Non- Aligned employees enrolled in a HDHP will remain in their current plan.

*Members hired before Monday, July 1, 2019, will be enrolled in NJ DIRECT. Members hired after Monday, July 1, 2019, will be enrolled in NJ DIRECT 2019.

Members who do not wish to remain in the NJ DIRECT/NJ DIRECT 2019 plans may change their plan to an HMO, Tiered Network Plan, or HDHP during the annual Open Enrollment period in October. The change will take effect for the 2021 plan year.

NJ DIRECT/NJ DIRECT 2019 – Highlight of Plan Changes

For the new plan, the out-of-network reimbursement rate will be 175 percent of Centers for Medicare & Medicaid Services (CMS) reimbursement amounts with the following exclusions:

  • Obstetrical care – for employees receiving obstetrical care as of Friday, May 1, 2020, the reimbursement rate will be 195 percent of the CMS amount for the duration of their care;
  • Mental Health – for employees receiving mental health services, the reimbursement rate will be 175 percent of the CMS amount up to the employee reaching the out-of-pocket maximums of $2,000.00 (individual) or $5,000.00 (family). The reimbursement will then be made at 195 percent of the CMS amount for the remainder of that plan year. This exclusion will remain in effect through Wednesday, June 30, 2021.
  • Emergency room copayments are: $150.00 for adults; $50.00 for adults directed to the emergency room by their primary care physician; and $50.00 for pediatric (through age 19). These copayments will be waived if admitted to the hospital.
  • Members and spouses who participate in NJWELL and complete their necessary health screenings and activities can earn a financial reward of $350.00 each.

The SHBP Plan Design Chart outlines the new plan coverage, including in-network and out-of-network deductibles; coinsurance; and primary care, specialist care, emergency room, and prescription drug copayments.

Employee Contribution Rates and Calculator:

Waiting Period Waived- Executive Order No. 172

Effective August 3, 2020, Governor Murphy issued Executive Order No. 172, which waives the 60-day waiting period for enrollment in the State Health Benefits Program (SHBP) for newly hired employees and members returning from retirement, layoff, etc. for the duration of the Public Health Emergency.

  • New or returning employees who were hired on or after March 9, 2020, may immediately enroll in the SHBP at the member’s election.
  • New or returning employees hired on or after August 3, 2020, were automatically enrolled effective date of hire upon submission of enrollment forms to the New Jersey Division of Pensions & Benefits (NJDPB)

Suspension of Loan Repayment under the CARES Act

Effective July 13, 2020, the New Jersey Division of Pensions and Benefits adopted provisions of the federal CARES Act which allows a “qualified individual” to request the suspension of pension loan repayments until December 31, 2020.

A “qualified individual” is an active or retired member of the PERS or PFRS pension plan who:

  • Is diagnosed with COVID-19 by a test approved by the Centers for Disease Control and Prevention; or
  • Has a spouse or dependent diagnosed with COVID-19 by a test approved by the Centers for Disease Control and Prevention; or
  • Experiences adverse financial consequences as a result of (i) being quarantined, furloughed, laid off; or having work hours reduced due to COVID-19; (ii) being unable to work due to lack of child care due to COVID-19; (iii) being unable to work due to closing or reduced hours of a business owned or operated by the individual due to COVID-19; or (iv) other factors as determined by the Secretary of the Treasury.

If suspended, loan repayments will be delayed through December 31, 2020, interest will continue to accrue on the outstanding loan balance, and you will not be eligible to take an additional loan for the duration of the suspension. At the end of the suspension period, the loan balance will be recertified to include accrued interest, the loan repayments will resume on a revised schedule effective January 2021. Please be advised that the repayment amount may increase in accordance with federal guidelines.

If you meet the definition of a “qualified individual” and wish to request the suspension of loan repayments under the CARES Act, please complete and submit Request for Suspension of Loan Repayment Under the CARES Act – Active Employees  form to the NJ Division of Pensions and Benefits as indicated.

Important Changes to your Tax$ave FSA Plan in response to the Coronavirus Pandemic

On Friday March 27, 2020 the U.S. Senate signed into law the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) which contains important provisions that will affect HSAs, HRAs and FSAs.

In response to Coronavirus Pandemic the New Jersey Tax$ave Flexible Spending Account (FSA) is making two changes.

  1. Plan Year 2019 – Tax$ave is extending the date to submit claims (run out period) from April 30, 2020 to July 31, 2020. The last date to incur claims (grace period) remains March 15, 2020.
  2. Plan Year 2020 – Tax$ave is relaxing requirements to change Dependent Care Election. You will not need to supply documentation for your change in status but you must submit Change in Status (CIS) form within 60 days of the event.  You are required by the IRS to have the documentation in your files. For more information about the Tax$ave

If you wish to make any changes to your current plan, please complete the Enrollment/Change in Status form for Plan Year 2020 and submit to Wageworks. Please see the Tax$save plan guide for assistance.


Montclair State University is committed to providing our employees with a comprehensive benefit program that is available to University faculty, staff and their dependents.

In addition, the University is pleased to offer eligible employees and their families a varied menu of discount programs and services. Visit the Employee Discounts page for more information.

The Benefits team also provides benefits counseling and workshops. To contact the Benefits team, email benefits@montclair.edu or call 973-655-7971 and select option 4.

Benefits coordinators are assigned by the first letter of employee’s last name:

A – J:     Zania Chambers
K – Z:     Tarsha Nelson
A – Z:     Troy Lopez (Retirement Only)

Upcoming Benefits Workshops


View all Benefits Workshops.