PLEASE TAKE NOTICE: Middlesex County Joint Health Insurance Fund Commissioners meeting scheduled for Tuesday, April 23, 2024 at 11:00 a.m. will be a Teams meeting. If you are interested in attending, any interested party may call 610-388-0600 to confirm the meeting time and Teams meeting information. Due to emergent circumstances, the scheduled meeting times and locations may change. To confirm your attendance at the meeting, please email Lynn Collins at l.collins@naimc.com or call 610-388-0600.
Middlesex County Joint Health Insurance Fund

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Middlesex County Board of Social Services

Chapter 78 medical contributions
  • This estimator will calculate your medical contribution as per the new state law: Chapter 78 (P.L. 2011 C.78) as of January 1, 2021
  • The new medical, prescription and dental benefits contribution mandated in Chapter 78 is based on the following four factors:
    1. Annual pensionable salary, which includes longevity
    2. A percentage of what the County pays for each employee's health premium costs
    3. The selected level of coverage
    4. Phase-in year (The rates will be phased in over a four-year period.)
  • Employees will be responsible to pay the greatest of three rates (no flat rate if hired prior to May 7th, 1999):
    • Those calculated according to the Chapter 78 mandate (P.L. 2011 C.78),
    • Those calculated according to Chapter 2 (P.L. 2010 C.2) -- 1.5% of the annual pensionable base salary, or
    • Flat-rate contribution as per contract and County Personnel Policy

    *The estimator takes into account all applicable rates and will provide you with your appropriate rate.

  • Your salary will be tested each pay period for any increase. Should any increase in your salary result in an increased contribution, your deduction will be increased the following pay cycle. Should you have a retroactive pay adjustment; any increase to your deduction will be effective retroactively on the same date.
  • This estimator will calculate your medical contribution as per the new state law: Chapter 78 (P.L. 2011 C.78) as of January 1, 2021
  • The new medical, prescription and dental benefits contribution mandated in Chapter 78 is based on the following four factors:
    1. Annual pensionable salary, which includes longevity
    2. A percentage of what the County pays for each employee's health premium costs
    3. The selected level of coverage
    4. Phase-in year (The rates will be phased in over a four-year period.)
  • Employees will be responsible to pay the greatest of three rates (no flat rate if hired prior to May 7th, 1999):
    • Those calculated according to the Chapter 78 mandate (P.L. 2011 C.78),
    • Those calculated according to Chapter 2 (P.L. 2010 C.2) -- 1.5% of the annual pensionable base salary, or
    • Flat-rate contribution as per contract and County Personnel Policy

    *The estimator takes into account all applicable rates and will provide you with your appropriate rate.

  • Your salary will be tested each pay period for any increase. Should any increase in your salary result in an increased contribution, your deduction will be increased the following pay cycle. Should you have a retroactive pay adjustment; any increase to your deduction will be effective retroactively on the same date.
  • This estimator will calculate your medical contribution as per the new state law: Chapter 78 (P.L. 2011 C.78) as of January 1, 2021
  • The new medical, prescription, dental, and vision benefits contribution mandated in Chapter 78 is based on the following four factors:
    1. Annual pensionable salary
    2. A percentage of what MCIA pays for each employee's health premium costs
    3. The selected level of coverage
    4. Phase-in year (The rates will be phased in over a four-year period.)
  • Employees will be responsible to pay the greatest of two rates:
    • Those calculated according to the Chapter 78 mandate (P.L. 2011 C.78), or
    • Those calculated according to Chapter 2 (P.L. 2010 C.2) -- 1.5% of the annual pensionable base salary

    *The estimator takes into account all applicable rates and will provide you with your appropriate rate.

  • Your salary will be tested each pay period for any increase. Should any increase in your salary result in an increased contribution, your deduction will be increased the following pay cycle. Should you have a retroactive pay adjustment; any increase to your deduction will be effective retroactively on the same date.
  • This estimator will calculate your medical contribution as per the new state law: Chapter 78 (P.L. 2011 C.78) as of January 1, 2021
  • The new medical, prescription, dental, and vision benefits contribution mandated in Chapter 78 is based on the following four factors:
    1. Annual pensionable salary
    2. A percentage of what MCUA pays for each employee's health premium costs
    3. The selected level of coverage
    4. Phase-in year (The rates will be phased in over a four-year period.)
  • Employees will be responsible to pay the greatest of two rates:
    • Those calculated according to the Chapter 78 mandate (P.L. 2011 C.78), or
    • Those calculated according to Chapter 2 (P.L. 2010 C.2) -- 1.5% of the annual pensionable base salary

    *The estimator takes into account all applicable rates and will provide you with your appropriate rate.

  • This estimator will calculate your medical contribution as per the new state law: Chapter 78 (P.L. 2011 C.78) as of January 1, 2021 and July 1, 2021
  • This law requires all public employees to contribute toward the cost of healthcare coverage.
  • The medical, prescription and dental benefits contribution mandated in Chapter 78 is based on the following three factors:
    1. Annual pensionable salary
    2. The selected level of coverage
    3. Phase-in year (The rates will be phased in over a four-year period.)
  • Employees will be responsible to pay the greater of:
    • Those calculated according to the Chapter 78 mandate (P.L. 2011 C.78), or
    • Those calculated according to Chapter 2 (P.L. 2010 C.2) -- 1.5% of the annual pensionable base salary

    *The estimator takes into account all applicable rates and will provide you with your appropriate rate.

  • Your salary will be tested each pay period for any increase. Should an increase in your salary result in an increased contribution, your deduction will be increased the following pay cycle. Should you have a retroactive pay adjustment; any increase to your deduction will be effective retroactively on the same date.

Select your unit

Select your level of medical coverage

Select your level of vision coverage

Select your level of dental coverage

Select your level of prescription coverage

Select your bargaining unit

Enter your hire date

Select the statement that best describes when you were hired:

On or before June 28th 2011
After June 28th 2011

Select the statement that best describes when you were hired:

On or before December 31st 2014
After December 31st 2014

Select the statement that best describes when you were hired:

On or before December 31st 2013
After December 31st 2013

Select the statement that best describes when you were hired:

On or before July 1st 2012
After July 1st 2012

Select the statement that best describes when you were hired:

On or Before October 1st 2012 On or before June 28th 2011
After October 1st 2012 After June 28th 2011

Select the statement that best describes when you were hired:

Before July 2001
Between July 2001 and July 1st 2012 Between July 2001 and July 1st 2012
After July 1st 2012 After July 1st 2012

Enter your salary

Enter your estimated pensionable annual salary as of January 1st 2021:

Salary:

Enter only numbers, and round to the nearest dollar.

Select the number of pay periods per year:

10 month employee
12 month employee

Calculate your contribution

Note: This calculator is for illustrative purposes only.All calculations are estimates and may be different from the actual amounts deducted from payroll.

Results: Your medical contributions

You have provided the following information:

Note: This calculator is for illustrative purposes only.All calculations are estimates and may be different from the actual amounts deducted from payroll.