12 Over 9 Program

Overview

The 12 Over 9 Program is designed for benefits-eligible employees who work less than 12 months per year, such as those with 9, 10, or 11-month appointments. This program allows these employees to spread their insurance premium payments over 9 months, while having 12 months of insurance coverage. Employees may maintain coverage over the summer as long as they are returning to benefit eligible employment in the Fall. Here are the key points:

Steps

  1. Premium Collection: The program collects 12 months of insurance premiums over a 9-month period. This means that slightly higher deductions are taken from the employee’s paychecks during the working months (September through May) to cover the summer premiums.

  2. Eligibility: Employees eligible for this program are those in full SGIP (State Group Insurance Program) eligible positions with 9, 10, or 11-month appointments who are paid on a monthly basis.

  3. Enrollment: Enrollment in the 12 over 9 program begins each fall semester and continues until the employee becomes ineligible or terminates their employment.  Enrollment is automatically applied to eligible employees at the start of the fiscal year.  If an employee is hired in the middle of the fiscal year, they will be automatically enrolled at the start of the next fiscal year if they are still eligible for the program.

  4. Summer Premium Process: For employees not enrolled in the 12 over 9 program, there is a separate summer premium process where premiums are collected in a lump sum or through other payment options to ensure coverage during the summer months.

  5. Save for Summer Program: This is a separate but related program that allows employees to withhold a portion of their net pay during the working months to receive payments during the summer when they are not working. However, this program does not cover insurance premiums.

This program helps ensure continuous insurance coverage for employees who do not work year-round, making it easier for them to manage their benefits and finances.

 

Resources

Save for Summer Program
Summer Insurance Premium Process Timeline
Summer Premium Informational PDF

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