Frustrating health premium costs explained
In recent weeks, a number of members have contacted HSTA regarding
health care premiums that increased on July 1. They were concerned
because the 3.2 percent across-the-board pay raise that went into effect
on Aug. 20 did little to offset those health care premium increases.
Here are some of the common questions HSTA has received:
Q1. Why don’t we get free medical like some private businesses offer to their employees?
A1: The Hawaii Prepaid Health Care Act (HPHCA) requires private
sector employers to provide at least half the health care costs for
their employees where the individual employee's share is no more than
1.5 percent of monthly wages. Costs beyond 1.5 percent would have to be
paid by the employer. Many businesses choose to subsidize or cover the
full cost. Employees’ dependents (spouse and children) are not covered,
so employees often have to pay a large cost to cover their family
members. Unfortunately, the HPHCA does not apply to federal, state or
county employees.
Hawaii Prepaid Health Care Act
Q2. Why won’t the state and DOE pay 100 percent of the premium for their employees?
A2: Money. Health benefits are a huge cost and have
continued to rise more than seven percent per year since 2013. It would
cost the State of Hawaii tens of millions more to cover 100 percent of
the premium cost for HSTA members who make up one-third of all state
government employees. If one union were to get 100 percent medical, all
other unions would demand the same; and the total additional cost to the
state would be more than $100 million a year.
Q3. Why doesn’t HSTA negotiate lower health care costs?
A3: The state law is structured in a way that the HSTA cannot negotiate
its members’ health care plans. The two major medical insurers in
Hawaii -- Kaiser and HMSA -- negotiate their rates directly with the
State of Hawaii Employer-Union Health Benefits Trust Fund (EUTF). HSTA
has only one representative on the 10-member EUTF Board of Trustees.
The trustees (five of which are employer representatives) negotiate with
the two insurance programs over rates and benefits. When premiums rise,
both the employee and the employer pay higher premiums. However, health
care costs are rising faster than inflation and our salaries.
Currently, the employer pays approximately 57 percent of all costs but
are higher or lower depending on what plan each individual employee
picks.
Q4: What is the State of Hawaii Employer-Union Health Benefits Trust Fund (EUTF)?
A4: While teachers were being furloughed in 2010, the
state Legislature opted to sunset the HSTA VEBA Trust which allowed HSTA
members to have their own health care plans. The elimination of HSTA
VEBA Trust plans was supposed to save the state money by consolidating
HSTA members (with lower health care utilization rates) with all other
state employees into the already existing EUTF. The state was sued over
this move. In late 2010, Circuit Court Judge Karl Sakamoto ruled in
Kono v. Lingle that the EUTF needed to offer those covered under HSTA
VEBA plans with EUTF plans that had the “same level of coverage.” These
plans are now listed as HSTA VB plans under the EUTF and are limited
only to those who were in HSTA VEBA Trust plans. Unfortunately, his
ruling did not prevent premium costs from increasing.
EUTF Rates
VB Rates
Q5. Why doesn’t HSTA bargain a better contract to lower health costs?
A5: We are trying. Under state law, HSTA can only
bargain with the employer the specific dollar amount the employer will
pay towards health care premiums. Salaries, health care costs, class
size reductions all come from the same pot of money. Since we are the
only statewide funded school district with no local funds, we are
competing with many other groups for funding. This is why HSTA has
fought to increase revenue to go into education.
President Rosenlee's message on health care costs
Hawaii teachers are the lowest paid in the country when you factor in Hawaii's high cost of living.
"Because pay and health care coverage do not keep up with inflation, it
becomes increasingly difficult to survive even though we love our jobs,"
said HSTA President Corey Rosenlee. "Sadly, this has meant many
qualified teachers in Hawaii are leaving the profession and we do not
have enough teachers to fill positions. This situation is bad for
teachers and our students. As a union, we need to take action to improve
our schools."
Our contract expires next June 30 and contract negotiations are
underway. HSTA encourages its members to get involved by attending their
chapter representative assemblies, participating in HSTA activities,
submitting testimony to the Legislature, and remembering that as a
union, we need to exercise our collective power to create change.
Wear red for ed!
Wear red for ed on Tuesdays to show show support for public schools and
each other. Above: Nearly all the teachers at Holomua Elementary in Ewa
Beach wore red last month. Below:Teachers from Konawaena Elementary on
Hawaii Island showed their spirit earlier this month.
Send your "red for ed" photos to info@hsta.org and we will post them on Facebook or in our email and hard copy newsletters. Mahalo.
HSTA in the news: Castle classroom cleaning contract violation
For the first five weeks of the school year, teachers at Castle High in
Kaneohe were sweeping their own classrooms and taking out the trash
because the school was in between classroom cleaner contracts. But under
pressure from HSTA and Channel 2 News on Thursday Sept. 8, the DOE
finally solved the problem and has stopped improperly adding more work
for teachers in violation of our contract.
See KHON 2 News story featuring HSTA Secretary-Treasurer Amy Perruso here:
Teachers forced to clean their own classrooms at Castle High
Teachers: If you are having similar problems at your school, ask your faculty reps for help.
Tell us your BOE, Legislature priorities
The HSTA Government Relations Committee wants your input for its 2017
legislative priorities. The committee will use this feedback to craft
its recommendations to the HSTA Board of Directors about HSTA priorities
for the 2016-2017 Board of Education and 2017 legislative session.
The survey will close Sept.15, so please take a few minutes to answer questions as soon as you are able.
Speak out for better schools at final Oahu ESSA Town Hall
Oahu teachers: This is your last chance to speak to the citizens' board
that's working to reshape and improve public education in Hawaii.
It's important that the governor's Every Student Succeeds Act task force
hears compelling stories from teachers who are in the best position to
know what needs to change at the Department of Education.
Please make time to show up and be heard at the final ESSA Town Hall meeting next week.
- Wednesday, Sept. 14, 6 to 8 p.m., Moanalua High School, Oahu
HSTA members receive a 5 percent discount on round trip transpacific flights when making your reservation on www.hawaiianairlines.com/affiliate (code HSTA)
For a limited time -- through the end of the year -- take advantage of special offers to selected international destinations:
September is Life Insurance Awareness month
Why Life Insurance?
A primary use of life insurance is to replace the future income that is
lost when someone dies. For families with young children, you have a
need for life insurance. If both parents work, the loss of even one
income may cause the family immediate financial hardship. A family may
not be able to meet mortgage payments, provide for child care, or
prepare for retirement. Immediate and future family needs may be
delayed.
Register for NEA Complimentary Life Insurance
As an HSTA member, you also belong to the National Education Association
(NEA), the largest professional employee organization in America with
over 4 million strong. Your membership automatically qualifies you for
coverage provided at no cost to members. Provide peace of mind for your family by registering your beneficiary today.
What is it?
- Up to $1,000 of term life insurance
- $5,000 of accidental death and dismemberment (AD&D) coverage
- $50,000 of AD&D insurance for any covered accident that occurs on the job or while serving as an Association leader
- $150,000 of life insurance for unlawful homicide while on the job
Who gets it?
To help provide for your family, the NEA Members Insurance Trust ® makes valuable benefits available at no extra cost to Active, Staff, Reserve, and Life members.
How do you register for it?
Please go to www.neamb.com
to register as a member and name your beneficiary. If you have not yet
registered on this website, please do so and you will be directed to the
Complimentary Life Insurance Beneficiary designation page. If you have
already registered as a member on this site, log in, click Insurance
and then Complimentary Life Insurance, and follow the steps to name or
rename your beneficiary.
If you have any questions, please call NEA MB at 1-800-637-4636.
Don’t depend on your friends and family for financial help; be sure you
enroll in the life insurance plans available to you. Visit our website,
www.hstaveba.org or call our office at 808-440-6940 or 1-800-637-4926 (toll free from neighbor islands).
McDonald’s of Hawaii celebrates teacher appreciation by giving teachers free coffee in September
When: Every Tuesday in September
What: McDonald's Restaurants of Hawaii honors teachers with "Teacher Appreciation Month" in September
Where: All participating McDonald's Restaurants in Hawaii
Details: McDonald's Restaurants of Hawaii wants to thank teachers for all they do for our keiki. During the month of September, teachers will get a free medium cup of hot or iced McCafe® Royal Kona Blend every Tuesday at participating McDonald's locations in Hawaii.
- No purchase necessary
- Teachers must present their valid 2016 school ID upon ordering
- Limit one free cup of coffee per person, per visit
- Offer dates:
- Tuesdays: Sept. 13, 20 and 27
- Offer times:
Free Hilo workshop: Pedagogy of Aloha
The HSTA sponsors a free workshop on the impact of Hawaiian-focused
instruction, curriculum and assessment methods Saturday, Oct. 1, at UH
Hilo Campus Center, room 301. Potluck lunch. Dr. Ku Kahakalau, an award
winning Hawaiian educator, researcher and cultural practitioner, will
share the impact of Hawaiian-focused education methods and offer
insights on new preferred ways of teaching and learning that address
21st century realities.
There is no cost. Register for the free Pedagogy of Aloha training here For more information, contact hstaspeakersbureau@gmail.com.
Get involved in your fall RAs
Here's the schedule for Representative Assemblies for chapters statewide in September and October.
September 2016
September 13: Hamakua RA
September 13: Honolulu RA
September 20: Leeward RA
September 20: Maui RA
September 20: Molokai RA
September 27: Kauai RA
September 27: Windward RA
September 29: Central RA
September 29: Kona RA
October 2016
October 4: Kohala RA
October 18: Hamakua RA
October 18: Leeward RA
October 20: Central RA
October 20: Maui RA
October 25: Hilo RA
October 25: Honolulu RA
October 25: Kauai RA
October 25: Lanai RA
October 25: Maui RA
October 25: Windward RA
October 27: Kona RA
Celebrate Peace Day with events on Hawaii Island and Oahu Sept. 24
HSTA's Youth, Human and Civil Rights Committee encourages teachers to
celebrate the 2016 International Day of Peace by promoting peace
education within their classrooms and conducting a peace education
activity with their students.
This year's theme for Peace Day, celebrated worldwide on Sept. 21,
is The Sustainable Development Goals: Building Blocks for Peace.
More information on the UN's Peace Day events
• Peace Poster Contest
Students and teachers from around the globe will be urged to express
their own interpretation of this year’s Peace Poster Contest theme:
“Peace = Future.”
For more on the Peace Poster Contest, click here.
Hawaii Peace Day Events
• Island of Oahu, Pearl City
Sat., Sept. 24, 2016
9 a.m. - 2 p.m.
This year, Peace Day Hawaii will be held on the grounds of the Urban Garden Center, 955 Kamehameha Hwy., Pearl City, Oahu.
For more info on the Oahu Peace Day event, click here.
• Island of Hawaii, Honokaa
Peace Day Parade
Sat., Sept. 24, 2016
4 p.m.
Mamane Street; entertainment to include marching bands, taiko drummers,
hula, bon dancers, cirque performers and multicultural music and
entertainment.
Peace Day Festival, Honokaa
Saturday, Sept. 24, 2016
5 - 7 p.m.
For more info on Big Island Peace Day events, click here.
Benefits of Belonging meetings start next week
New educators, come find out how HSTA supports you!
Get connected to:
- Our HSTA community and member benefits
- HSTA VEBA Trust insurance plans and protection
- Our HYPE (Hawaii Young Professional Educators) program for new educators
- Professional development courses.
Benefits of Belonging meetings will be held:
Tuesday, Sept. 13, 3:30 p.m.
Location: Hookele Elementary School, 511 Kunehi St.,
Kapolei, Oahu
Sign Up for Kapolei Benefits of Belonging
Tuesday, Sept. 20, 4 p.m.
Location: HSTA Headquarters, 1200 Ala Kapuna St., Honolulu, Oahu
Sign Up for HSTA/Red Hill Benefits of Belonging
Friday, Sept. 23, 5:30 p.m.
Location: Sodexo, UH Hilo Dining Hall, Hilo, Hawaii Island
Sign Up: Email Debra Borges at deblani29@yahoo.com
Monday, Sept. 26, 4 p.m.
Location: Mililani High School HQuad, 95-1200 Meheula Parkway, Mililani, Oahu
Sign Up for the Mililani Benefits of Belonging
Tuesday, Sept. 27, 4 p.m.
Location: McKinley High School Library, 1039 South King St., Honolulu, Oahu
Sign Up for the McKinley Benefits of Belonging
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