Voluntary Benefits Self-Service Open Enrollment: April 6th – 24th, 2026
To register to Accept or Waive the benefits in the above link, you’ll need to enter the Company Identifier: BCTS
As an employee of Bergen County Technical School & Special Services, you may be eligible to participate in our Voluntary Benefits Program. Voluntary Benefits are offered to help address the individual needs of you and your family with advantages that otherwise might not be available to you on your own. Your voluntary benefit offerings are designed to complement your benefits package and provide additional security for you and your family.
All Eligible Employees: Benefits are offered Guaranteed Acceptance regardless of health history (no medical questions); therefore all employees are required to speak to a representative to ACCEPT or WAIVE the benefits.
Benefits are payroll deducted and may be continued at the same rate if you retire or choose to leave employment.
Options: You may choose your level of coverage; one that both fits your needs and is easy on your paycheck. Your decision will not change the benefits being provided under any employer-sponsored benefit program.
Convenience: Voluntary benefits are paid through the convenience of payroll deduction
Acceptance: In many cases, you and immediate family members will have a better opportunity to obtain coverage through this offering than you would on your own, especially if any medical conditions or concerns are present.
Portability: Many of these programs may be taken with your with no change in premium or benefit if you leave employment or retire.
Unum Whole Life Insurance
Life Insurance helps take care of your loved one’s immediate and future financial needs following your death. Immediate needs can include burial/funeral expenses, uninsured medical costs and current bills and debts. Future needs could include income replacement, education plans, ongoing family obligations, emergency funds, and retirement expenses.
- Whole Life for your Whole Family – Coverage is available to you, your spouse and dependent children & grandchildren
- Felixible Benefits – You choose the death benefit that fits your needs
- Convenient Premium Payment – Payroll deducted
- Continuing Insurance Protection – Once approved and payroll deductions have started, the policy is yours to keep regardless if you leave emploment (continue to pay premiums on your own)
- Guaranteed Cash Values – Payments of the scheduled premiums will produced cash value that can be used for any purpose
MetLife Short-Term Disability Insurance
Could you survive if you were suddenly left without a paycheck? How would you pay your mortgage/rent, utilities, car insurance, car payments, food and other living expenses? Disability Insurance provides you with cash to protect your lifestyle when out of work due to an accident or illness.
- Loss of Income Protection – helps pay monthly bills such as mortage or rent, car payments, medical costs, etc…
- Covers sickness and off the job injuries
- Portable – should you leave your employment, you may keep coverage
MetLife Accident Insurance
Unexpected accidents can also mean unexpected out-of-pocket expenses. Hospital stays, medical or surgical treatments, dislocations or fractures, and transportation by ambulance can add up quickly and be very costly. Accident Insurance can help with some of these expenses so your finances can remain healthy.
- Guaranteed Acceptance – you may qualify for coverage regardless of health
- Benefits are paid directly to you – use the money however you see fit
- Coverage is available to you, your spouse and dependent children
- On and off the job coverage
MetLife Critical Illness Insurance
No one knows what lies ahead on the road of life. Will you suffer a stroke, a heart attack or be diagnosed with cancer? The signs pointing to a critical illness are not always clear and may not be preventable, but Critical Illness Insurance can help offer financial protection in the event you are diagnosed.
- Covers major illnesses – Policies generally cover illnesses such as cancer, heart attack, coronary artery disease, paralysis, kidney failure, and many more
- Paid regardless of ability to work – The payment is made in a tax-free lump sum and is not linked to your ability/inability to work
- Use the money for any purpose – You choose what you want to do with the money
MetLife Hospital Indemnity Insurance
Visits and stays at a hospital can be costly. A Hospital Indemnity Plan can complement your medical coverage by helping to ease the financial impact of a hospitalization.
- Lump-sum cash benefit paid directly to you
- No deductible to meet to receive benefits
- No networks – freedom to choose your provider
Premier Worksite Benefits
P: (866) 463-8808, Option 4
Mon-Fri 9am-4pm EST
support@premierworksite.com