Sunday, July 1, 2012

J-1 Visa Health Insurance Coverage

Health-insurance coverage requirements of the J1 Teacher Exchange Visa were increased as of May 15, 2015:
  -  Medical Benefits of at least $100,000 per accident or illness
  -  Deductible not exceeding $500 per accident /illness  
  -  Repatriation of Remains up to $25,000  (CHF covers you)
  -  Medical Evacuation expense to home country up to $50,000  (CHF covers you)


The type of coverage required by J-1 regulations is satisfied by the Plan E Plus health plan offered by Visit International Health Insurance.  The cost of the insurance is approximately $69 per month (ages 30-39). You can charge to a credit card and must obtain this insurance before arriving in the U.S if not immediately covered by the school plan.  If you buy it, repatriation and medical evacuation is included even though CHF covers you for those two planks.


Please be advised that this coverage is designed to be a temporary solution; special coverage for J-1 visaholders is extremely inexpensive, but it does not cover basic checkups that might be required by your school and probably not shots or immunizations.  You must try to enroll in the school group health insurance policy as soon as practicable if you think you will need health insurance for anything but a serious accident or dire emergency.  You can search the Internet and find many other companies that offer this insurance.

The Cordell Hull Foundation covers every teacher and immediately family dependent (spouse or child) for:

1.  Repatriation - transport of body back to home country in the event of death
2.  Medical Evacuation - transport of body back to home country in the event of severe illness or injury

IMPORTANT:  Each J-1 teacher must be insured at the point that s/he first steps foot on US soil throughout the full length of the J-1 tenure in Section 3 of form DS-2019. You must choose a plan with a deductible no higher than $500 and no less than the $100,000 maximum limit.
Do not inscribe until the school /district /state receives confirmation that the teacher has paid the embassy fees to apply for their J-1 visa passport stamps ($160 + $180).

For further information on the J-1 visa, see the Cordell Hull Foundation website:  http://www.cordellhull.com/ and click on Teacher Exchange at the top of the page.

You can find links to a large number of instruction videos narrated by native speakers of English, French, Spanish and Mandarin on http://www.cordellhull.com/instruction-videos

Read the other CHF blog articles below that interest you!

Marianne Mason, President
Cordell Hull Foundation for International Education, New York

45 Rockefeller Plaza, Floor 20, NY, NY  10111 (by appointment only)

Labels:

Relocation Guide for Schools to host Foreign Teachers

BUDDY TEACHER CHECKLIST

Most established international, immersion, and public schools with foreign language /immersion programs offer some or all of the services described here.  This article is geared toward new schools accepting their first foreign teacher into the fold. 

Providing relocation orientation and direct support to new foreign hires is essential to help quickly familiarize themselves with the new community, school, and feel welcome, softening the severity of Culture Shock.  The importance of creating an atmosphere of good will and support for a smooth and successful exchange experience cannot be underestimated.  School staffs may not realize that the challenges ahead for the teacher may be overwhelming.  A few simple steps can help avoid bewilderment and do much to help orient a new hire not familiar with the area to life in the United States in general.

Successful employers usually appoint 1-2 buddy or mentor teachers for each new foreign exchange teacher before and immediately after the foreign exchange teacher’s arrival.  Much of the following information is covered in the Cordell Hull Foundation Pre-Arrival and Orientation Manual.  A few important points are summarized briefly in this checklist.

1. Social Security Card
Provide practical assistance and transportation.  Applying for a SSN should be one of the first tasks for the foreign teacher.  The nearest Social Security office is easily identified via Internet by going to http://www.socialsecurity.gov/ and inputting the school zip code.  Immediately after the teacher arrives, s/he must inform the Cordell Hull Foundation immediately to “validate” the arrival in the SEVIS database.  

2. State Driver’s License
Ensure the foreign national is familiar with your state’s driver’s license rules and laws which may be accessed on DMV (Department of Motor Vehicle) websites.  The template is www.dmv.__.gov/  Insert the two-letter abbreviation for the state to find the driving laws that pertain to your state, i.e. California: www.dmv.ca.gov/.  Explain that a driver’s license serves as the main ID in the US for opening bank accounts, renting housing, and other tasks that are difficult or impossible without it.  If you do not plan to drive, you can also apply for a US ID card at the same DMV location.

3.  Accommodations
Think about options to house the exchange visitor for the first few days after arrival.  Simple, inexpensive motels are one option.  Extended stay hotel/apartments may be worth considering if finding a suitable apartment is expected to take some time.  Some former exchange teachers receive excellent help from their schools or hiring districts such as a current list of nearby apartment offices (with respective business hours), lease range and deposit amount or real estate offices.  It is helpful to point out and write down convenient neighborhoods as far as prices, distance to your institution, transportation routes, plus also possible areas to avoid.

It is crucial to help the foreign teacher in locating decent living space.  Schools and districts must understand that, while finding a place to live seems like the teacher's sole personal business, it will backfire on the school's work and success if it remains unsolved for too long.  Inform the new hire about possible furniture leasing businesses, inexpensive furniture stores (i.e. IKEA), and explain garage sales as one alternative.

4.  Phone, Cable, Internet options as well as other utilities
Provide the address and business hours of Public Utilities Boards where the new teacher can apply for gas, water, and electricity hookup.  It is extremely helpful to give your new colleague an overview of existing carriers in your area, price plans, and inexpensive alternatives.  While most exchange teachers are familiar with Skype for long-distance calling, you may have to point out the benefits (and possible implications) of cell-phone contracts and pay-as-you-go options (Net10 offering international calling). 

5. Car and transportation alternatives
A list of trustworthy second-hand dealers is incredibly valuable.  Some school districts work with their local teachers’ credit unions to help foreign exchange teachers finance cars.  Explain all transportation alternatives, especially during the first few days and weeks.

6. Bank account
Inform the foreign exchange visitors about options.  Some banks have special offers and packages and may even reward you for bringing in new customers.  Not all foreign teachers are fully familiar with the U.S. system of debit vs. credit cards, personal checks, and online banking.  Let teachers know that establishing credit in the US can take up to six months, and advise them of local department stores or businesses that may give them credit to start the ball rolling.  Ensure that direct deposit is an option for bank accounts.

7. Tax exemption
Exchange teachers should know whether or not they are tax exempt.  Make sure they complete Form 8233 and give it to the school when they first arrive, then in January of each subsequent year, in order to qualify for a J-1 visa tax exemption.  All new J-1 teachers are eligible for exemption from Social Security and Medicare taxes for the first two years in the US.  Some countries have tax treaties with the US exempting J-1 visaholders for 2-3 years from federal (not state) income tax.  Detailed charts are provided in the Cordell Hull Foundation Orientation and Pre-Arrival Manual link provided in your initial J-1 visa instruction letter.  Also see CHF's FAQs page:  http://www.cordellhull.org/english/FAQ/Default.asp#Tax-exempt 

8. Health Insurance
J-1 visa Federal regulations require all exchange teachers to be insured.  See the first article in this blog on how to obtain this insurance and the specific requirements. Some teachers are from countries that offer free medical coverage to all citizens, but teachers must buy an international rider for this insurance to be valid in the U.S.

9.  Social Security, Teacher Retirement System, other deductions
Please make sure that the foreign teacher understands all of these.  In many cases, contributions to state teacher systems can be refunded at the end of the exchange (after the three-year J-1 visa tenure).

10. Paychecks
Provide information on cut-off days, and, most importantly, the new employee’s first pay day.  Be prepared to answer questions regarding your school’s relocation assistance if a stipend is offered as part of the contract.

11. Sick Days / Personal Business Days
Ensure that your new colleague understands your school and/or district policies on absences and tardiness.  Be sure to give the employee handbook to the foreign teachers when they first arrive or during orientation.

12. Clubs, Pastime options, Ways to get involved in the community
CHF asks foreign exchange teachers to participate actively, get to know the U.S., its way of life, and people.  Try to put yourself in the foreign visitor’s place and come up with some interesting offers of clubs, inside and outside the school community, and invite them to activities giving them a chance to mingle with American people.  Most foreign exchange visitors are eager to share with others information on their home countries and schools, beyond the scope of your school.  They realize it is one of the purposes of the teacher exchange program but need your support and guidance on venues to share this valuable and enriching information.

13. Setup of school work
Buddy teachers should also introduce the foreign national to important aspects of school life:  School administration hierarchy, school districts, unions, role of the principal, daily routines, paperwork, professional development, classroom management rules, and grading system.  While this info is usually provided in an official manner by the institution's administrators, it is not necessarily easy to follow and understand for speakers of other languages.  When the appointed buddy teacher revisits these facts and regulations on a more casual, informal level through personal stories, explanations, and examples, it proves extremely helpful.

14. Contact with the Cordell Hull Foundation
The new exchange teacher must know how to contact the J-1 visa sponsor, the Cordell Hull Foundation, and requirements for keeping J-1 visa status in good standing.  The email address is:  pro@cordellhull.org    After they participate in the CHF Equilibration seminar, encourage teachers to talk about their adjustment to life in the U.S.
 
Taking these steps involves additional work but will pay off.  New teachers can almost immediately focus attention on their work for the school rather than feel overwhelmed by tasks connected to relocating and not understanding how to take the necessary steps.
                                                                                     
Hiring a foreign national teacher to join your staff offers several advantages for your institution, including opportunities:

  - for local educators to enrich their teaching expertise by learning about education in other countries;

  - for local students to have direct experiences with teachers from other cultures and countries, thus widening their horizons and boosting their appreciation for global affairs;

  - for other local districts and institutions to follow your example, diversify and enrich their programs by including teachers from other countries and cultures to their staffs.

The Cordell Hull Foundation (CHF) has vast experience in providing support to teachers and hiring institutions, sponsoring thousands of teacher State Department exchange visitor programs since the creation of the J-1 visa in 1962. 

J1VisaTeachExc blog is a forum for expressing and sharing school and teachers experiences, or write directly to pro@cordellhull.org.

Labels: