Eligibility (Full-Time Actives)

You are eligible for supplemental health insurance provided by the the PSC-CUNY Welfare Fund if you are a full-time member of the instructional staff and meet all of the following requirements:

  • you are paid by tax-levy funds
  • you work at least 20 hours a week with an appointment expected to last for more than six months
  • your title is covered within the Professional Staff Congress of CUNY.

Qualified Continuing Education Teachers who have basic health insurance through the NYC Employee Health Benefits Program (NYCHBP) and certain management personnel are also eligible.

Supplemental health insurance provided by the the PSC-CUNY Welfare Fund is designed to provide coverage for you and your eligible family members. Unless stated otherwise, if you are covered, your spouse (including a same-sex spouse) or qualified domestic partner and eligible dependent children are also covered. However, to cover a same-sex spouse or domestic partner, you must submit an Application for Domestic Partner/Same-Sex Spouse.

Enrolling as a New Member

If you are eligible for Welfare Fund benefits, your campus Human Resources Office will provide you with an enrollment form. Be sure to complete the form accurately and return it promptly. If you are enrolling dependents (spouse/domestic partner/children), you must also submit acceptable documentation that supports their eligibility for benefits.

If the enrollment form and documentation are received within 31 days of your date of hire, supplemental health insurance will begin automatically on the first day of the month following your date of hire.

Your coverage may be delayed or lost entirely if the enrollment form and documentation are not received within 31 days after your date of hire.

Important Considerations When Enrolling

  • Decisions you make when you enroll are important. Be certain you are well informed.
  • Some decisions are easier to change than others. For example, a pension decision is for the duration of employment, but health insurance can be changed during an annual re-opener.
  • If you make some decisions sooner (for example, long-term care), you'll have lower periodic payments.
  • The premiums for some optional programs increase as you get older. For example, the cost of optional life insurance goes up every five years.
  • You must choose between two dental options-Guardian and Delta Dental. (If you choose Delta Dental, you must also select a dental provider.) You can change your dental option once each year during the same time as the Citywide re-opener.
  • Some optional programs offer coverage without evidence of insurability (known as guaranteed issue)-but only for a limited time. You will have to provide evidence of insurability if you wait more than 60 days from your date of hire to sign up for long-term care or more than 60 days after the first anniversity of your date of hire to sign up for enhanced disability. 

This page includes only highlights of eligibility requirements. See the Details Tab for more information.

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Member Eligibility

Full-time members of the instructional staff of CUNY (1) who are paid by tax-levy funds, (2) who work at least 20 hours per week with an appointment expected to last for more than six months, and (3) whose titles are covered within the Professional Staff Congress of CUNY are eligible for supplemental health benefits provided by the PSC-CUNY Welfare Fund. Qualified Continuing Education Teachers who have basic NYC Health Benefits coverage are eligible for regular and voluntary Welfare Fund benefits. Certain management personnel and exempt titles are also covered. A complete list of covered titles is included below.

Eligibility is nearly coincident with employment. Benefits are available on the first day of the month following date of hire. Welfare Fund benefits (those described in this document) are discontinued at the end of the month of termination of employment.

An eligible individual who waives coverage for self and/or dependents because of other health insurance or group health plan coverage, may be able to enroll at a later time if that other coverage is subsequently terminated or significantly altered. The individual must complete an updated Enrollment Form indicating the events requiring amended status. Coverage will not be effective until the Welfare Fund Office receives the necessary Enrollment Form/Data Sheet and any applicable proof of dependent status. If the Welfare Fund Office receives the request for enrollment in these circumstances within 30 days of the event, coverage will be retroactive to the date of the event. If it is received after 30 days, coverage is effective the first of the month following receipt of the completed enrollment material.

The same provisions apply if an individual or dependent loses coverage through Medicaid or a State Children's Health Insurance Program (CHIP). If the Welfare Fund Office receives the request for enrollment due to loss of coverage in Medicaid or a CHIP or because of eligibility for a premium assistance program within 60 days of the event, coverage will be retroactive to the date of the event. If it is received after 60 days, coverage is effective the first of the month following receipt of the completed enrollment material.

Please note that the above does not apply to the Optional Benefits. There are special eligibility and enrollment rules for the Optional Benefits made available to Plan participants.

Persons who waive NYC Health Benefits coverage remain eligible for Welfare Fund dental, vision and hearing aid benefits but are ineligible for the Medco prescription drug program and the ASO Extended Medical benefit. There is no reimbursement for waiving participation in the Welfare Fund benefits program.

Dependent Eligibility

If you are covered, your spouse or qualified domestic partner/same-sex spouse is covered. Domestic partners are qualified if duly registered with the New York City Clerk's Office and able to demonstrate financial interdependence. Certain tax implications apply to benefits for domestic partners. These may be reviewed with qualified tax professionals.

If you are covered, your eligible dependent children are covered. The Fund defines eligible dependent children as natural or adopted children who are a) under age 26 or b) totally and permanently disabled and who became so prior to their 19th birthday. Coverage for dependent children (not disabled) ends on the last day of the month that children turn 26.

Dependents (spouse and children) must be enrolled with the Welfare Fund.

Initiation of Coverage

The starting point of enrollment in the Basic Program and the Welfare Fund is with the appropriate CUNY Human Resources office on campus. Forms and explanatory booklets are available to enroll in a choice of N.Y. City programs. Each new hire is also provided with an Enrollment Form (Data Sheet) to enroll in the PSC-CUNY Welfare Fund. These should be completed and returned as soon as possible. No benefits are available until enrollment is completed and processed.

Termination of Coverage

At the point that coverage terminates, plan participants will be notified of their rights to purchase benefits in accordance with the federal COBRA regulations. This notice is issued by your college personnel office and includes both the basic health insurance program and supplemental benefits under the PSC-CUNY Welfare Fund.

Appendix

Full-Time Covered Titles for PSC-CUNY Welfare Fund

Faculty Titles

Professor
Associate Professor
Assistant Professor
Distinguished Professor
Chairperson of College Department
University Professor
Distinguished Lecturer
Lecturer
Instructor
Instructor (Nursing Science)
Continuing Education Teacher (must be appointed to a position that will continue for more than six months and that requires a minimum of 20 hours per week) 

Registrar Titles

Senior Registrar
Registrar
Associate Registrar
Assistant Registrar

College Lab Tech Titles

Chief College Laboratory Technician
Senior College Laboratory Technician
College Laboratory Technician

Medical Title

College Physician

Research Titles

Research Associate
Research Assistant

Higher Education Officer Titles

Higher Education Officer
Higher Educaiton Associate
Higher Education Assistant
Assistant to Higher Education Officer

Substitutes and Visiting Titles

Substitute (any covered full-time title)
Visiting (any covered full-time title)

Hunter Campus School Titles

Chairperson of Department
Teacher
Assistant Teacher
Substitute Teacher
Temporary Teacher
Guidance Counselor
Teacher of Library
College Laboratory Technician
Placement Director
Educational and Vocational Staff
Early Childhood Teacher
Teacher (Hourly)

Medical School Titles

Medical Professor (Basic Sciences)
Associate Medical Professor (Basic Sciences)
Assistant Medical Professor (Basic Sciences)
Medical Professor (Clinical)
Associate Medical Professor (Clinical)
Assistant Medical Professor (Clinical)
Medical Lecturer

Law School Titles

Law School Professor
Law School Associate Professor
Law School Assistant Professor
Law School Instructor
Law School Library Associate Professor
Law School Library Assistant Professor
Law School Lecturer
Law Schoool Library Professor

Employment Opportunity Center Titles

EOC Lecturer
EOC HEO Series
EOC Assistant Registrar
EOC College Laboratory Technician
EOC Adjunct Lecturer
EOC Adjunct College Laboratory Technician
EOC Substitute (full-time title)

Management Titles

Chancellor
Executive Vice Chancellor
Senior Vice Chancellor
Vice Chancellor
President
Deputy to the President
Senior Vice President
Vice President
Assisant Vice President
Dean
Associate Dean
Assistant Dean
Principal - Hunter College School
Director of Campus School
Executive Assistant to a CUNY Officer
Chief Librarian Director
Provost
Affirmative Action Officer
Personnel Director
Associate Personnel Director
Assistant Personnel Director
Dean of CUNY Law School
Law School Chief Librarian
Dean of CUNY Medical School
Business Manager
Occupational Safety and Health Officer

EOC Management Titles

EOC Director
EOC Associate Director
EOC Assistant Director
EOC Coordinator

Building Maintenance, Security and Professional Titles

Administrative Superintendent of Building and Grounds
Assistant College Security Director
Chief Admin, Superintendent of Building and Grounds
Chief Admin. Supt. of Campus Buildings and Grounds
College Security Director
Computer Operations Manager
Computer Systems Manager
Deputy University Security Director
University Associate Chief Engineer
University Chief Architect
University Chief Engineer
University Security Director