Fund Benefits (Full-Time Actives)

Supplemental Health Insurance (Welfare Fund Program)

The PSC-CUNY Welfare Fund provides supplemental health insurance through contributions to the Fund from the City University of New York in accordance with the terms of the Collective Barganing Agreement. Most supplemental health insurance benefits are fully funded by the PSC-CUNY Welfare Fund. These benefits are in addition to the basic health insurance provided by NYC and may vary from one participant to another, depending on the basic health insurance options chosen by the participants.

Eligible full-time active employees and their eligible dependents have the following benefits with no premium required:

These optional benefits are also available; however, you must enroll and pay a premium:

Basic Health Insurance (CUNY/City Program)

All eligible full-time active employees receive basic health insurance for themselves and eligible dependents through the NYC Employee Health Benefits Program (NYCHBP). Basic health insurance includes hospital and medical coverage provided by one or more carriers chosen by the plan participant. The Summary of Benefits provided by the University Benefits Office describes your coverage, and additional information is available at the Office of Labor Relations website. If you have questions regarding your basic health insurance, contact your campus Human Resources office or the NYCHBP.

This page includes only highlights of your benefits programs. See the Details Tab for more information.

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Supplemental Health Insurance (Welfare Fund Program)

The PSC-CUNY Welfare Fund provides benefits referred to as supplemental health insurance (WF Supplemental Benefits). These are the benefits described in this SPD. Some of these Welfare Fund benefits vary according to which basic health insurance a plan participant has. Enrollment in NYCHBP basic health insurance is a pre-requisite to eligibility for full participation in the Welfare Fund benefits program. Persons who waive basic NYC basic health insurance are eligible for dentalvision and hearing aid benefits but are ineligible for the prescription drug program and the extended medical benefit

One of the benefits provided by the PSC-CUNY Welfare Fund, long-term disability, has an optional (contributory) rider. For an extra payment, typically through payroll deduction, a higher level of benefit can be obtained under the disability benefit.

Also explained in this SPD are three other benefits not funded by the Welfare Fund, but provided through favorable arrangements or negotiated agreements in order that plan participants may purchase quality programs at the best rates. These include life insurance through NY State United Teachers (NYSUT), catastrophic medical insurance through US Life (brokered by Marsh Affinity) and long-term care insurance through John Hancock.

Basic Health Insurance (CUNY/City Program)

All covered persons receive basic health insurance through the NYC Employee Health Program. This consists of hospital and medical insurance provided by one or more carriers chosen by the plan participant.* Campus Human Resources offices or the New York City Health Benefits Program (NYC HBP) should be able to answer questions regarding this level of coverage.

This basic health insurance also provides coverage for certain drugs. At the time of this writing, these are still called the PICA drugs but are limited to injectable and chemotherapy medications. Campus Human Resources officers or the NYC HBP should be consulted for further detail and updates. You will be issued a drug card specifically for the PICA drugs. It is not a Welfare Fund benefit. The phone number for the NYC HBP is 212-306-7200.

*Participants in the HIP Prime HMO are covered for the optional rider providing Appliances and Private Duty Nursing under that plan.