Supplemental insurance could save SSCS thousands


STANDISH — A supplemental insurance plan in the works at Standish-Sterling Community Schools will save the district and its employees money.

Superintendent Darren Kroczaleski was given unanimous approval by the Board of Education to move forward with implementing supplemental insurance for district employees through AFLAC. Kroczaleski said he is currently working on the plan details.

“We are still in the process of making this happen,” he said.

Kroczaleski said there is no current insurance plan for employees. He said the AFLAC plan is a supplemental insurance plan that could save the district up to $20,000.

“The benefit the district receives is that we can utilize what is called the 125 plan,” he said. “What that means is that it is a payroll deduction, when employees contribute to the plan, it will be pretax dollars.”

Kroczaleski said the pretax deduction lowers the gross amount of money being used tax purposes. He added that deductions will come from the employees pay checks rather than federal taxes.

“This saves the employees money as well as the district,” he said. “It is a win-win. The pretax deduction will lower (the district’s) payroll taxes.”

Kroczaleski said offering AFLAC to district employees costs nothing, and employees can choose to utilize the plan or not utilize it.

“Of course not everyone will use the plan,” he said. “Many employees have their own plans. I would expect the district to save around $15,000 if the majority of employees choose to use it.”

Since taking over as SSCS superintendent in September, Krozaleski has been looking at ways to help the district improve and cut costs while maintaining good economic standards.

“We are always looking to be as efficient as possible,” he said. “We are looking for ways to offset costs across the board.”



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