State employees are eligible for a range of benefits including paid time off, health insurance, retirement plans and even shopping discounts.
South Carolina Public Employee Benefit Authority (PEBA) is the administrator for South Carolina state employee insurance and retirement benefits. PEBA offers comprehensive insurance coverage. Health, Dental, Vision, Life Insurance, Long-Term Disability, Dependent Care and Medical Spending Accounts are available for voluntary enrollment for eligible* employees.


Health Plans (three plans are available

Standard


  • Higher premium, lower annual deductible
  • Single coverage to full-family coverage
  • $14 copay (No copay program available for certain situations
  • No lifetime maximum
  • Medical Spending Accounts available
  • Pre-tax premium payment option available
  • Maternity Management
  • Wellness Management
  • Prescription Benefits

Savings


  • Lower monthly premium, higher annual deductible
  • Single coverage to full-family coverage
  • No copays
  • 20% employee responsibility (in-network), plan pays 80%
  • No lifetime maximum
  • Health Savings Account and Medical Spending Accounts available
  • Pre-tax premium payment option available
  • Maternity Management
  • Wellness Management
  • Prescription Benefits

TRICARE Supplement


  • No deductible
  • Single coverage to full-family coverage
  • No out-of-pocket expense for covered services
  • 100% plan payment (when combined with other TRICARE coverage)
  • Pretax premium payment option available
  • Prescription Copay Reimbursement

Dental


Standard Dental

  • Diagnostic/preventative to orthodontics/prosthodontics treatment coverage
  • Single coverage to full-family coverage
  • Low monthly premium
  • Pre-tax premium payment option available

Dental Plus (partners with Dental Coverage)

  • Same coverage as Dental plan
  • Higher allowed amounts
  • Same coverage level as Dental plan
  • Monthly premium added to Dental plan premium
  • Pre-tax premium payment option available

Vision


  • Annual exam per member
  • Single coverage to full-family coverage
  • $50 savings for non-Rx sunglasses
  • Pre-tax premium payment option available
  • Standard lenses (glasses or contact) annually per member
  • Glasses: $10 copay (premium lenses higher)
  • Contacts: No copay for standard
  • Frames every two years per member
  • $150 allowance, 20% discount thereafter
  • $10 copay
  • $39 discount for retinal imaging *no copay for members with Type 1 or 2 diabetes
  • Add-Ons available

Watch a Retirement Seminar Video for more information.


Long-term Disability


Basic

  • Included at no employee cost with health plan enrollment
  • 90-day benefit waiting period
  • 62.5% of pre-disability earnings, monthly maximum of $800

Supplemental

  • Voluntary enrollment
  • Premium based on age, annual salary and benefit waiting period selection
  • 90-day benefit waiting period
  • 180-day benefit waiting period
  • 65% of pre-disability earnings, less any deductible income
  • Minimum monthly benefit: $100
  • Maximum monthly benefit: $8,000
  • Term policy with conversion option at the end of employment

Retirement Plan Options


South Carolina Retirement System (SCRS)

  • Defined Benefit Plan (fixed annuity payment based on service years, compensation, and a benefit multiplier)
  • Tax-deferred percentage of gross pay
  • Employer also contributes a percentage
  • Earned interest if actively contributing

Optional Retirement Plan

  • Defined Contribution Plan (benefit payment based on account balance)
  • Tax-deferred percentage of gross pay
  • Employer also contributes a percentage
  • Investment selection
  • Vendor options:
    • Mass Mutual
    • Voya Financial
    • TIAA
    • VALIC

Deferred Compensation Plan

  • Voluntary
  • 401K
  • 401K Roth
  • 457
  • 457 Roth

PEBA Links

PEBA Benefits Page: https://www.peba.sc.gov/health

Insurance Benefits Access: https://mybenefits.sc.gov/

Health Management: http://www.peba.sc.gov/health-and-wellness

Retirement Benefits Member Access: https://online.retirement.sc.gov/MemberAccess/welcome

Retirement Awareness: https://www.peba.sc.gov/bap

Deferred Compensation: https://southcarolinadcp.gwrs.com/login.do 

Omni 403b: https://www.omni403b.com/

Retirement Options: https://www.peba.sc.gov/plans