BENEFITS
At Gestalt Community Schools, we believe in Investing Deeply in our employees. We consider their health and well-being inside and outside the classroom, and full-time employees receive competitive benefits.
Gestalt Benefits
Health Insurance
Three medical plans—Base, Standard and Buy-Up—are available through UMR (United Healthcare).
Dental Insurance
Dental coverage through SunLife includes preventive care at 100% and options for basic and major services. Employees and eligible dependents can choose from three plans.
Vision Insurance
Vision coverage through SunLife includes routine eye exams and discounts on eyeglasses and contact lenses.
AD&D Insurance
Gestalt provides a $50,000 life and accidental death & dismemberment (AD&D) policy for all full-time employees at no cost. This benefit offers financial protection in the event of death, dismemberment or paralysis.
Voluntary Life Insurance
Additional life insurance options are available for employees, spouses and children.
Disability Coverage
Long-term disability (LTD) coverage provides 60% income replacement for full-time employees.
Supplemental Insurance
- Colonial Life offers voluntary benefits, including short-term disability, accidental death and hospital indemnity coverage.
- American Fidelity provides options for disability, cancer, accident, critical illness, life and 403(b) retirement plans.
Benefits FAQs
Where do I log in to see my benefits?
This information is available by visiting the Employee Navigator website:
How do I log into TCRS?
Click below for the TCRS Overview and Self-Service website
How do I log into Empower?
Click below to visit the RetireReadyTN 401(k)/457 website.
Where do I log in to Paylocity?
Click below to visit the Paylocity website:
Retirement Plans
Tennessee Consolidated Retirement System (TCRS)
- Benefit Plan
- Mandatory Contribution of 5% per paycheck
- Five Year Vesting Period
- Lifetime Retirement
- No withdrawal
Empower Retirement
- Defined Contribution Plan
- Based on contributions
- Market Driven – you control how funds are invested
- Withdraw at age 59 ½ without penalty
- Hardship withdrawals and loans are allowable
- Survivor and Disability Benefits
Legacy Teachers
- Staff who started teaching before July 1, 2014.
- Fully Vested at five (5) years of creditable service
- Vested members are eligible for an unreduced monthly retirement benefit at age 60 or with 30 years of creditable service.
- Benefits are calculated based on:
- Creditable Service
- Average final compensation (AFC)
- Age
- Benefit Accrual Factor
- Participation in state 401K plan (Empower) is voluntary
- Immediately vested in 401K plan
Hybrid Teachers
- Fully Vested at five (5) years of creditable service
- Vested members are eligible for an unreduced monthly retirement benefit at age 60 or with 30 years of creditable service.
- Benefits are calculated based on:
- Creditable Service
- Average final compensation (AFC)
- Age
- Benefit Accrual Factor
- Participation in state 401K plan (Empower) is voluntary, but you are auto-enrolled with 2% contributions.
- Immediately vested in 401K plan
Additional Resources
American Fidelity Disability Form
2024 OE Booklet (Employee Benefits)
Natural Health Program
One Pass Select – Fitness & Wellbeing Program
Optum Rx – Pharmacy Benefits
Recuro Health – On-Demand Care Access
Recuro Health – ISBC Health Hub