Knox College provides comprehensive insurance for salaried and hourly employees. A summary of these programs is presented here. Full details are available in separate plan documents. For information or questions concerning the insurance programs, contact Roxanne Ronk at 309-341-7474.

The College reserves the right to amend or discontinue any of these programs at any time.

Medical Insurance
Domestic Partners
Retiree Medical Benefits
Privacy Policy
Prescriptions
Mail Order Rx 
Life Insurance
Optional Term Life Insurance
Disability Insurance

Medical Insurance
Knox College offers a self-funded group health insurance plan that is administered by Benefit Administrative Systems. This plan is available to all benefits-eligible employees. It is a major medical plan with a $750 deductible and 90 percent co-pay for in-network medical expenses and 70 percent co-pay for out-of-network expenses. To view a list of hospitals and healthcare providers available in the PPO network, contact HFN (20). Benefits include dental and vision coverage as well as a prescription drug card through Caremark.

To view benefit coverage, contact Benefit Administrative Systems. If you are a first time user, click "First Time User" and complete the questionnaire. You then click on "Plan Summary." You may also contact Roxanne Ronk at 309-341-7474 for assistance with medical insurance questions.

The cost of the health insurance is paid 73 percent by the College and 27 percent by the employee. The College and employee share in any cost increase. The employee cost is $359.58 per month for family coverage, $228.48 per month for employee plus one, and $130.76 per month for employee only. There is no waiting period for coverage.

Domestic Partners
Knox College extends full benefits to both same and opposite sex domestic partners of its employees.  

Knox College defines domestic partners as two individuals of the same or opposite sex who are in a long-term relationship of indefinite duration. There must be an exclusive mutual commitment, in which the partners agree to be responsible for each other's welfare and share financial obligations. 

In order to be eligible for benefits, employees and their domestic partners must sign a Statement of Domestic Partnership indicating that they meet the requirements set forth in the documents.

Children of domestic partners qualify as eligible dependents if either domestic partner is the biological parent of the child or if either or both partners are adoptive parents of the child. In all cases, the child must be claimed as a dependent under Section 152 of the Internal Revenue Code. Employees are advised that benefits for their domestic partners and/or their children are taxable and should consult a tax advisor for further clarification.

To obtain forms and additional information, contact Roxanne Ronk at 309-341-7200.

Retiree Medical Benefits
Employees who were hired prior to January 1, 1992, and who retire after age 55 with 10 years of service may continue coverage for themselves and their spouses/partners. Coverage becomes a supplement to Medicare for qualified retired persons at age 65. The cost of retiree insurance is paid 50 percent by the College and 50 percent by the retiree. The retiree cost is $172.00 per month, per person. The cost for retirees under age 65 is $208.00 per person.

Privacy Policy
The Knox College Group Health Plan is required to maintain the privacy of "protected health information," which includes any identifiable information that we obtain from you or others that relates to your health, your health care or payment for your health care.

Protected health information use and disclosure by the Plan is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act).

To view complete information regarding medical privacy regulations, see our Privacy Notice (PDF).

If you have lost your card or need assistance, contact Caremark Member Services at 1-866-831-4336.

Mail Order Rx 
If you are taking a maintenance drug, you can receive substantial savings by using the mail order pharmacy, which is fast, convenient and reliable. Pay for two months of medication and receive the third month free. For additional information or to receive mail order forms, please contact Roxanne Ronk at 309-341-7474.

Life Insurance
The College provides group life insurance for all benefits-eligible employees through Prudential Insurance. The amount of insurance is 250 percent of the basic annual salary, with a $100,000 maximum. Accidental death and dismemberment benefits are provided. Spouses/partners and dependent children are covered for dependent life benefits: $2,000 for spouse/partner and each child age birth to 19 years or 24 years if a full-time student. Employees who were hired prior to January 1, 1992, and who retire after age 55 with 10 years of service may continue coverage for themselves and their spouses/partners. The amount of insurance for eligible retirees is $5,000. The benefit for spouses/partners of retirees is $2,000.

The College pays the entire cost of the life insurance for employees, dependents and retirees. There is no waiting period for this benefit.

Optional Term Life Insurance
Benefits eligible employees may apply for additional term life insurance for themselves and their dependants through Prudential Life Insurance Company.  If you enroll within 30 days of employment no medical history is required.  For additional information, please contact Roxanne Ronk at 309-3431-7474.

Disability Insurance
The College offers group long-term total disability insurance through Prudential Insurance. Six months after permanent disability, this insurance provides income (including Social Security benefits) equal to 60 percent of the employee's monthly salary, with a maximum monthly benefit of $5,000. This insurance also continues to make all contributions, until normal retirement date, into the retirement annuity at the rate prevailing when the employee became disabled.

Employees pay 0.25 percent of salary and the College pays the balance of the cost of this benefit. This benefit is available after two years of service.