It is the intent of Owensboro Community and Technical College to provide a benefits program with a broad foundation upon which employees can build for the security and well-being of their families. The college has two sets of benefits for the various employee groups. Those employees governed by the Kentucky Community and Technical College System and the State policies and procedures are covered by the KCTCS benefits package, which include several state government options. Those employees governed by the University of Kentucky policies and procedures are covered by the UK benefits package.

To find out more about our employee benefits, please choose from the links below:

Medical Insurance
Term Life Insurance
Workers Compensation
Long Term Disability
Retirement Plans
Defined Benefit Plan
Defined Contribution
Supplemental Retirement Contribution
Deferred Compensation Authority
Flexible Spending Accounts
Employee Education Program
Staff Sick Leave Pool

Staff Sick Leave Sharing

Medical Insurance

KCTCS participates in the state health insurance plan.  KCTCS provides a contribution towards the plan of coverage.  Employees may select from various coverage levels and plan levels.
  KCTCS, 18A, and 151B: http://www.kctcs.edu/employee/policies.htm
  State Personnel Cabinet:  http://www.state.ky.us/agencies/personnel/empben.htm

For those employees participating in the UK benefits package,   KCTCS provides a contribution towards the plan of coverage.  Employees may select from various coverage levels and plan levels.
  UK:  Benefits, Human Resource Services, University of Kentucky

Term Life Insurance

KCTCS provides $20,000 of Life Insurance and Accidental Death and Dismemberment (AD&D) coverage for eligible employees under KCTCS, 18A and 151B Personnel systems. Optional Life and AD&D coverage are available.
  KCTCS:  http://www.kctcs.edu/employee/policies.htm

University of Kentucky (UK) policies/benefits receive $10,000 of basic life. Optional AD&D is available.
  UK:  Benefits, Human Resource Services, University of Kentucky

Workers Compensation

KCTCS, 18A, 151B, and KCTCS employees still under the University of Kentucky (UK) policies/benefits are all covered under the State Workers Compensation plan.
  All Employees:  http://www.kctcs.edu/employee/policies.htm

Long Term Disability

KCTCS provides a Long-Term Disability plan for regular full-time KCTCS employees that are enrolled in a Defined Contribution 403 (b) Plan (matching contributions).
  KCTCS:   http://www.kctcs.edu/employee/policies.htm

KCTCS employees still under the University of Kentucky (UK) policies/benefits have Long-Term Disability coverage through the UK Benefits Plan.
  UK:  Benefits, Human Resource Services, University of Kentucky

KCTCS employees that participate in KTRS/KERS have disability retirement benefits available through their retirement system.

Retirement Plans

KCTCS offers a choice of two types of retirement plans: Defined Benefit Plan or Defined Contribution. Please choose from the following to find out more information.
  KCTCS:   http://www.kctcs.edu/employee/policies.htm

Defined Benefit Plan

Offered to 18A, 151B and employees under KCTCS policies/benefits.  Not available to KCTCS employees still under the University of Kentucky benefits/policies.  Membership in KTRS may be mandatory, allowed or not allowed depending upon the position occupied.
  KERS:  http://www.kyret.com/
  KTRS:  http://www.ktrs.state.ky.us/

Defined Contribution

403(b) Plans available to employees under KCTCS benefits/policy:
  Aetna:  http://www.ingretirementplans.com/index.shtml
  American Century:  http://www.americancentury.com/index.jsp
  Fidelity:  https://www.fidelity.com/ 
  TIAA-CREF:  http://www.tiaa-cref.org/

403(b) Plans available to KCTCS employees still under the University of Kentucky benefits/policies:
  American Century:  http://www.americancentury.com/index.jsp
  Fidelity:  https://www.fidelity.com/ 
  TIAA-CREF:  http://www.tiaa-cref.org/

Supplemental Retirement Contribution

Employees that receive a paycheck on a regular bases (i.e. full-time, part-time, permanent part-time) may request an MEA calculation in order to determine contribution limits. Once limits are defined, the employees can have (unmatched) pre-tax contributions deducted from their paycheck and sent to Aetna, American Century, Fidelity or TIAA-CREF (Dependent upon policy/benefit set.  See Retirement Plans above.)  Please note: Employees are limited to choosing either a Supplemental 403(b) Retirement Contribution or Deferred Compensation, but not both.
  KCTCS: http://www.kctcs.edu/employee/policies.htm

Deferred Compensation Authority

Employees that receive a regular paycheck may contact KY Public Deferred Compensation Authority in order to have (unmatched) contributions deducted from their paycheck.
Please note: Employees are limited to choosing either a Supplemental 403 (b) Retirement Contribution or Deferred Compensation, but not both.
  Deferred Compensation Authority:  http//www.kentuckydcp.com/

Flexible Spending Accounts

Eligible KCTCS, 18A, and 15B employees participate in Commonwealth Choice.
  State:  http://www.state.ky.us/agencies/personnel/hlthins/01ccbook.pdf

KCTCS employees still under the University of Kentucky (UK) policies/benefits are eligible to participate in the CATSelect program offered through the UK benefits program.
  UK:  Benefits, Human Resource Services, University of Kentucky

Employee Education Program

Regular full-time KCTCS, 18A, 151B, and KCTCS employees still under the University of Kentucky policies/benefits are eligible for tuition defrayal.
  KCTCS: http://www.kctcs.edu/employee/policies.htm
  UK:  Benefits, Human Resource Services, University of Kentucky

Employee Spouse and Dependent Tuition Waiver

Dependents of regular full-time KCTCS employees governed by KCTCS policies/benefits are eligible for tuition defrayal.
  KCTCS: http://www.kctcs.edu/employee/policies.htm
  

Staff Sick Leave Pool

Regular full-time KCTCS, 18A, 151B and KCTCS employees still under the University of Kentucky (UK) policies/benefits employees are eligible for voluntary participation in the program.
  All Employees:  http://www.kctcs.edu/employee/policies.htm

Staff Sick Leave Sharing Program

Regular full-time KCTCS, 18A, 151B and KCTCS employees still under the University of Kentucky (UK) policies/benefits employees are eligible for participation in the program. 
  All Employees:  http://www.kctcs.edu/employee/policies.htm

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KCTCS and OCTC are Equal Opportunity Institutions