Author Archives: Franklin Ford Daniel

About Franklin Ford Daniel

Franklin Ford Daniel, a Benefits Specialist at Middlebury College, enjoys the administration of the College’s retirement plans and other benefits. Franklin’s currently fired up with the Certified Benefits Professional training to comply with U.S. legal and regulatory requirements and integrate benefits programs with business strategy and design.

Prior to joining Middlebury, Franklin was a benefits analyst at Service Employees International Union. Before his benefits administration career, Franklin spent his days in the soccer field as a semi-professional soccer player with the NJ Nationals and Cape Cod Crusaders.

Follow @franklindaniel_ on Twitter.




January – March, 2018


  • Thursday January 4, Marble Works, 152 Maple Street, Suite 203
  • Wednesday January 10, Davis Library, Room 150D
  • Thursday January 18, Davis Library, Room 150D
  • Tuesday January 30, Marble Works, 152 Maple Street, Suite 203
  • Thursday February 8 , Davis Library, Room 150D
  • Wednesday February 14, Marble Works, 152 Maple Street, Suite 203
  • Thursday February 22, Davis Library, Room 150D
  • Tuesday March 6, Davis Library, Room 150D
  • Thursday March 15 Davis Library, Room 150D
  • Wednesday March 21, Marble Works, 152 Maple Street, Suite 203

To schedule an appointment with Erik Moreau, please call the Field Support Team at (800) 732-8353, M-F 8am – 8pm (EST) or register for one of the sessions at .

Benefits Refresher Meetings

Human Resources will be holding two open Benefits Refresher meetings covering topics such as: plan basics (deductibles, co-insurance, out-of-pocket maximums, co-pays), network coverage, mail-order prescription benefits, flexible spending accounts, Telehealth option, etc. Meetings will include ample time for questions from the audience. Please join us at one of the following sessions to learn how to make the most of your benefit plans:

Day Date Time Location Or Join Remotely via Zoom
Mon 11/6/17 9:00am to 10:00am EST Wilson Hall, McCullough Zoom Link 1
Wed 11/8/17 2:30pm to 3:30pm EST Wilson Hall, McCullough Zoom Link 2

 Cigna Conference Call Meetings
Employees may schedule a conference call with a Cigna Representative by visiting the link below and choosing a date and time. Please be sure to leave the best phone number where a Cigna Representative can reach you.


Time for a Flu Shot?

Under Middlebury’s medical plan administered by Cigna, members are able to get the seasonal flu shot, as well as other vaccines, at participating local retail pharmacies.  Pharmacies on this list participate in the vaccine program.  Please review the list, as not all pharmacies participate.  For instance, in Middlebury, Rite Aid and Hannaford participate, whereas Kinney’s and Marble Works do not.

When you obtain your flu shot at a participating pharmacy or at your provider’s office, the shot is covered at 100%.  When a participating pharmacy submits the claim, they will submit it under the medical benefit and they often need additional information, like the Bank Identification Number (BIN) and/or Process Control Number (PCN). This list of participating pharmacies includes the BIN and PCN numbers they need to submit your claim. Bring this list with you the next time you go to a participating pharmacy to get a flu shot or vaccine and your pharmacist can use this information if he or she has a problem submitting your claim.  As always, Cigna customer service is available 24/7 to assist, 800-244-6224.

Open Enrollment

Open Enrollment for Middlebury’s 2018 Health & Welfare Benefit Plan is being held from November 1 – 14, 2017.  All benefits-eligible employees are required to complete the open enrollment process within this time period even if they do not intend to make benefit changes for 2018.

Open Enrollment is your opportunity to:

• Continue your current medical, dental, or vision elections into the new year OR add coverage for yourself and/or dependents OR terminate your own or your dependents’ coverage.
• Continue your current voluntary life and/or accidental death and dismemberment coverage for the new year OR increase OR decrease the amount of existing coverage in these plans OR apply for new coverage (subject to approval).
• Enroll in the healthcare and/or the dependent care flexible spending account(s) for next year. If you do not make an FSA election, you will not be contributing for 2018 even if you participated in 2017.  For more information, including Healthcare FSA rollovers, please click here.

Open Enrollment must be completed, using BannerWeb, between November 1 – 14, 2017.  Benefits-eligible employees will be able to access the open enrollment module from any computer with internet access.

Getting Started

1. Access the Open Enrollment System:
• Click this link: OR
• On the bottom right-hand corner of the Middlebury homepage,  click “Quick Links” and then “BannerWeb.”

2. Enter your BannerWeb User ID (your Midd ID number) and your PIN and click “Login.”

3. Click “Employee”, then “Benefits and Deductions”, and then “Open Enrollment.”

If you have any questions, please feel free to call the Open Enrollment Hotline: (802) 443-2320. You may also email Nancy Lindberg or Franklin Daniel at or

Retirement Transitions

Individuals who end employment after having worked for Middlebury in a benefits-eligible status for a minimum of ten years past the age of forty-five qualify as “Middlebury Retirees”.


Name Type Retirement Date Department
Donna Stark Staff 8/18/2017 Parton Center for Health & Wellness
Cliveland O. Pottinger Staff 8/25/2017 Facilities Services
Margaret E. Mastik-Quinn Staff 9/7/2017 Information Technology Services
David P. Condon Staff 10/20/2017 Information Technology Services
Edward I. Dolback, Jr. Staff 10/21/2017 Public Safety


 On October 19, 2017, the Internal Revenue Service announced cost-of-living adjustments affecting dollar limitations for pension plans and other retirement-related items beginning January 1, 2018. See the chart below for further details.

The highlights of limitations that changed from 2017 to 2018 include the following:

  • The 401(a) annual compensation limit applicable to retirement plans increased from $270,000 to $275,000.
  • The elective deferral limit increased from $18,000 to $18,500 and age 50 catch-up limit remains unchanged at $6,000.
  • The 415(c) contribution limit applicable to defined contribution retirement plans increased from $54,000 to $55,000.
2018 2017
Annual Compensation Limits For Retirement Program Purposes 275,000 270,000
Elective Deferrals 403(b) – (for under age 50) 18,500 18,000
Catch-up Contributions For 403(b) Plan Participants age 50 and over 6,000 6,000
457(b) Elective Deferrals 18,500 18,000
457(b) Catch Up Contribution (Subject To Age And Other Restrictions) 18,500 18,000
Defined Contribution Limits On Maximum Combined Employee/Employer Contributions To Defined Contributions Plans 55,000 54,000
Social Security Taxable Wage Base 128,700 127,200
Medicare Wage Base No Limit No Limit

All figures in US dollars.



There will be open information sessions on October 23rd and 24th for employees to learn more about Flexible Spending Accounts.  The presentations will be available via WebEx. Limited space is available for those in Vermont who prefer to participate in person. Please register in Google Forms.

Monday, October 23: 2:00 PM – 3:00 PM EDT
Location: Davis Library 201 or to access the meeting virtually please see below
Information Session. Benefits eligible employees unfamiliar with the flexible spending plans may attend this session to learn about health and dependent care flexible spending accounts.

WebEx: Please join my meeting from your computer, tablet or smartphone.
You can also dial in using your phone.
United States: +1 (872) 240-3212, Access Code: 580-093-021

Tuesday, October 24
: 3:00 PM – 4:00 PM EDT
Location: Sunderland Room 122 or to access the seminar virtually please see below
Workshop, for existing enrollees.  This is a hands-on workshop to learn how to log on, navigate, and submit claims via the portal or the mobile app.

WebEx: Please join my meeting from your computer, tablet or smartphone.
You can also dial in using your phone.
United States: +1 (786) 535-3211, Access Code: 877-105-533

If you have questions about your 2017 Flexible Spending Accounts, feel free to reach out to customer service at MyCafeteriaPlan at (937) 865-6500 or toll free at (800) 865-6543.  You may also contact Nancy Lindberg or Franklin Daniel in Human Resources at 802-443-3372.

For more information about Middlebury’s flexible spending benefits, please visit