Fulton County Schools understands that our mission cannot be reached without a quality work force, and our forward-looking approach to education extends to our employees by offering benefit plan designs that meet their families' financial needs, such as disability options that begin paying a benefit as early as fifteen days, an employee assistance program, and both term and permanent life insurance options.
Further, since financial goals can differ greatly, Fulton County Schools offers a comprehensive schedule of benefits to allow each employee to customize their coverage, ranging from popular dental and vision plans, to a long-term care program with five available levels of benefit.
The System's Health Insurance Program is administered by the State of Georgia, Department of Community Health. You may choose various levels, or tiers, ranging from single to full family coverage. Available plans include three (3) Health Reimbursement Accounts (HRA) - Bronze, Silver & Gold - each with varying levels of coverage and premiums.
Short Term Disability Insurance
Short-Term Disability (STD) insurance is available for eligible employees providing income if they become disabled. Benefits begin either 15 or 45 days after disability occurs (or the expiration of all available leave, which ever is later) and provides 50% to 60% of your base salary.
Long Term Disability Insurance
Long-Term Disability (LTD) insurance is provided for eligible employees providing income if they become disabled. Benefits begin 180 days after disability occurs (or the expiration of all available leave, which ever is later) and provides 60% of your base salary each month (between $100 and $10,000).
Basic Group Term Life (GTL) Insurance
Life insurance is provided free to all active, regular employees in amounts ranging from $24,000 to $50,000 based on annual salaries.
Supplemental Group Term Life (GTL) Insurance
Supplemental Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance is available for eligible employees at group rates in increments of $10,000 up to a maximum of five (5) times your annual salary or $500,000, which ever is less.
Permanent Universal Life (UL) Insurance
Permanent Universal Life Insurance is available for eligible employees, spouses and dependent children. Permanent UL is individually written and the resulting premium will vary based on age, gender, life-style and optional coverages and riders.
Dental Insurance is available for eligible employees, spouses and dependent children. The Dental Insurance plan provides benefits for Preventive, Basic, Major and Orthodontic procedures.
Vision Insurance is available for eligible employees, spouses and dependent children. Benefits are available for both in-network and out-of-network providers and procedures.
Reference: Your Vision Insurance plan
Medical Flexible Spending Account
A Healthcare Flexible Spending Account (HFSA) is available for eligible employees, spouses and dependent children. An HFSA is not insurance but rather a way to pay for certain qualified, non-reimbursed medical expenses in a pre-tax salary reduction.
Dependent Care Flexible Spending Account
A Dependent Care Flexible Spending Account (DCFSA) is available for eligible employees with children under age 13. A DCFSA is not insurance but rather a way to pay for certain qualified dependent day care expenses in a pre-tax salary reduction.
Long-Term Care Insurance
Long-Term Care Insurance (LTC) is available for eligible employees, spouses, parents, grandparents, parents-in-law and grandparents-in-law. Coverage is available in various levels of daily benefits, and for various duration (length) of payments.
Social Security and Medicare Insurance
The System, as a local governmental entity, does not operate under an agreement specified by Section 218 of the Social Security Act. As a result, the System does not participate in the Social Security portion (OASDI) of FICA, as a qualified retirement plan is in place for all qualifying System employees.
However, the System does participate in the Medicare portion (HI) of FICA for those employees hired after March 31, 1986.
Tax Deferred Investments
Current IRS regulations allow employees to participate in tax deferred annuities under Section 403(b) and 457 of the Internal Revenue Code (commonly known as 403(b) and 457 plans) if they qualify, but each person must determine his/her own eligibility.