Voluntary Benefits

Supplemental Life

Employees may purchase, as part of MICA's benefits program, an additional amount of life insurance for oneself in increments of $10,000. The maximum coverage amount is $500,000, and the guaranteed issue amount is $100,000. Any amount one elects over the $100,000 during one's initial benefits election requires that one submits evidence of insurability. (See Human Resources for an Evidence of Insurability Application). Electing supplemental life insurance after one's initial benefits election also requires submission of evidence of insurability. The cost of supplemental insurance is based on the employee's current age.

Spouse/Partner Life Insurance

Employees may also purchase life insurance for a spouse/partner. There is a flat amount maximum of $30,000 with a guaranteed issued amount of $10,000. Evidence of insurability is required for any amount over $10,000. The cost of spouse/partner insurance is based on the employee's current age.

Dependent Life Insurance

Employees may purchase life insurance for one's dependent child/ren. The benefit flat amount of life insurance is $5,000 per child at a minimal cost. Eligible children are children who are the employee's legal children up to the age of 19. If a full-time student, children are covered to the age of 26, (student verification required.)

For further information contact:
Phone: 800-523-5065

Please note there is an age reduction rule for both Basic and Supplemental Life Insurance.


If an employee is not eligible for the College's short-term disability, then employees may choose to purchase short-term disability insurance through UNUM (see Short Term Disability in the Core Benefits section.)

This policy provides benefits if the employee becomes disabled due to a covered sickness or off-the-job injury.

Flexible Spending Accounts (FSA)

Authorized by the Internal Revenue Service, a Flexible Spending Account, (FSA), is a tax-advantaged way to pay for certain medical and/or dependent care expenses. This added benefit allows you to pay for these expenses using pre-tax dollars; therefore, your taxable income is lowered, resulting in a higher take-home pay. The flexible spending accounts run from June 1st through May 31st. Open enrollment for flexible spending accounts is in April each year. The money you set aside for both the medical reimbursement and the dependent care reimbursement flexible spending accounts is tax-free. You can elect to deposit a maximum of $2,750 into your medical reimbursement account and/or a maximum of $5,000 into your dependent care reimbursement flexible spending account. Since this program is regulated by the Federal Government, there are strict rules to take into consideration when setting funds aside. According to Federal Regulations, if you do not use the money toward eligible expenses in the benefits year, the money is not refunded or usable in any form.

For further information contact:
Benefit Resource, Inc.
Phone: 1-800-473-9595

Vision Care Benefits

Employees may purchase vision care benefits for oneself and one's family through EyeMed. The plan is a comprehensive vision benefit plan.

For further information contact:
EyeMed Vision Provider Locator: 866-804-0982
EyeMed Vision Customer Service Center: 866-800-5457