Medical Contribution Assistance Program (MCAP)

• You work in a benefits‐eligible position at least 75% full‐time; and
• Your job is for at least six months (four months if represented by SEIU Higher Education Workers Local 2007); and
• Your combined family Adjusted Gross Income (AGI), as stated on your most recent federal income tax return, must be $100,000 or less.

• Apply for MCAP by logging into My Benefits. Select “Change Your Benefits” and then “Upload MCAP Document.” You’ll be asked to upload a copy of the prior year’s federal tax return. If you have not yet filed last year’s tax return, wait to apply until you’ve filed.
• If you are a new hire or experience a qualified life event that makes you eligible for MCAP, you may apply when changing your benefits in the portal.
• You must reapply every year. Each summer, we’ll send you an MCAP reminder if your base salary is $110,000 or less and you work at least 75% time in a benefits-eligible position. Income eligibility is based on your combined family AGI. 

• The amount of subsidy depends on your combined family AGI (see table below) and is based on the premiums of the lowest-cost health plan.
• If you are enrolled in a plan other than the lowest-cost plan, you pay the difference between what the university will pay for the lowest-cost plan and your plan. (MCAP does not apply to the ACA Basic High Deductible Medical plan.)

For example: If your combined family AGI is $66,000, the university will pay 100% of the cost of family coverage in the Kaiser HMO plan (in 2022, the employee contribution is $209.89 per paycheck). That means your health plan contributions will be $0 if you enroll in Kaiser, or $209.89 less than the regular employee contribution rate, per pay period, in one of the other plans.

• The subsidy begins as soon as administratively possibly once you’ve been approved, but it cannot be applied retroactively. Once approved, the subsidy will be applied toward your share of the cost to cover your spouse and/or dependents.
• You will continue to receive your MCAP subsidy while on paid leave; the subsidy may be suspended if you go on a personal leave.