Cornell Children's Tuition Scholarship (CCTS)
Cornell University offers eligible employees a program to provide assistance in paying tuition costs for their children.
The Cornell Children's Tuition Scholarship (CCTS) program assists employees' children in reaching their higher education goals. CCTS provides the children of eligible employees a partial scholarship for study at Cornell or other accredited institutions, and is administered pursuant to the approval of the Board of Trustees as adopted on January 20, 1966, and as amended from time to time.
* The online application for the next academic year (Summer, Fall, Winter, Spring) will be available the first week of April each year. Applications will not be reviewed without the name of the school the student will attend.
Eligibility
The benefit payable will be dependent on the employee’s most recent hire date. The employee may be responsible for providing proof of prior service.
Employees:
- Regular full-time employees, ROTC staff or CURW Chaplain who work thirty-five (35) or more hours per week for a term of eight (8) or more months and have satisfied a four (4) year, full-time service requirement;
- Employees (hired after December 10, 2014), who worked at an institution of higher education immediately prior to joining Cornell in a permanent, benefits-eligible position and who worked at that institution for a period of at least four years of full-time service.
- The former employer/institution of higher education must have had a program substantially similar to CCTS;
- Employees will be credited with time served to offset the four (4) year, full time service requirement;
- Part-time employees hired prior to July 1, 1985 (eligible for a pro-rated benefit);
- Full-time or part-time employees who have previously satisfied a four (4) year, full-time service requirement. The benefit payable will be dependent on the employee’s most recent hire date. The employee may be responsible for providing proof of prior service. (Effective for applications filed for the 2009/2010 academic year and beyond);
- Employees who have accrued the four (4) year, full-time waiting period and move to a part-time position (no less than 20 hours per week or the equivalent effort.) (Effective for applications filed for the 2009/2010 academic year and beyond)
- Part-time employees who have worked part-time for at least eight years (Effective for Applications filed for the Spring 2015 academic year and beyond)
- University retirees
Children:
- Eligible children shall include: natural-born children, adopted children, stepchildren, and foster children, provided that the foster children have been living in the home of and primarily supported by the employee for at least five years prior to application for CCTS. Note: Only one employee may claim the student during any given semester.
The CCTS benefit is not available for:
- Employees of the County Cooperative Extension Associations
- Students working toward a certificate or diploma*
Student employment does not accrue eligibility toward the CCTS benefit.
* Board of Trustees Amendment, effective 12/11/2014: Students who have a medical condition that precludes the completion of a standard degree program, should be accorded the opportunity to complete a certificate or diploma that meets their needs and provides educational development in the appropriate setting. Medical documentation from an attending physician is required in order to approve the certificate or diploma.
Employment Status Change
Employment Status Change | CCTS Benefit Changes |
|---|---|
| Break-in-Service | Benefit levels will be based on the terms of the award in effect on the most recent hire date. |
| Part-time | An employee hired prior to July 1, 1985 may work at least 20 hours but less than 35 hours per week and receive a prorated tuition payment. |
| Layoff | Benefit will be continued through the term in which the layoff commences and continue for one additional academic term. |
| Resignation or Termination | Benefit will be continued through the term |
| University Leave of Absence | Benefit will be continued until the end of the term in which the leave of absence commences. |
| Family Medical Leave Act (FMLA) | Benefit will be continued while on FMLA. |
| Disability | Benefit will be continued at the rate received as an active employee. |
| Retirement | Upon your retirement, your children retain eligibility for a CCTS whether or not they are receiving CCTS benefits at the time of your retirement. Note: To retire, you must be 55 years or older and must have completed ten years of credited service at the university. |
| Death | If you are CCTS eligible upon your death, your children will retain eligibility for a CCTS whether or not they are receiving CCTS benefits at that time. |
Benefit Level
Your benefit level is determined by your date of hire at the university.
Date of Hire | Service Requirement | Maximum Scholarship | Benefit Level at Cornell | Benefit Level at Other Institutions for all Hire Dates |
|---|---|---|---|---|
| Prior to July 1, 1983 | Currently eligible | 10 semesters of undergraduate study or a bachelor’s degree, whichever comes first.
A maximum of 14 semesters, including 6 semesters of graduate education at Cornell. | 100% of tuition, less administrative fees* (currently $9,980 per year) | CCTS pays 30% of the outside school’s tuition and fees. The minimum benefit amount is full tuition or $1,000 per academic year, whichever is less.
If the outside school’s tuition is greater than Cornell’s endowed tuition and fees, CCTS will pay 30% of Cornell’s endowed tuition and administrative fees.
No benefits are paid for graduate study at other institutions.
|
| July 1, 1983 - June 30, 1985 | Currently eligible | 10 semesters of undergraduate study or a bachelor’s degree, whichever comes first.
A maximum of 14 semesters, including 6 semesters of graduate education at Cornell. | 50% of tuition and administrative fees | |
| July 1, 1985 – present | 4 years of full-time service; part-time employees are not eligible** | 10 semesters of undergraduate study or a bachelor’s degree, whichever comes first Graduate study is not available. | 50% of tuition and administrative fees
|
* Administrative fee policy as established/amended by the Board of Trustees on July 12, 1972.
** Effective 12/11/2014, the Board of Trustees amended the policy to allow part-time employees who have worked for at least 8 years to be considered for eligibility for this benefit. This affects those employees who are applying for the spring 2015 semester and forward.
How to Apply
CCTS is a reimbursement program. You may therefore apply for CCTS benefits at any time by completing the following steps:
- Check to see if your student's school is accredited. Search for your school on the Database of Accredited Postsecondary Institutions and Programs.
- Complete one application per academic year. Select all terms your student will be attending for the academic year. Please note that the collection of the student's social security number is necessary in order to track the history of usage by the student within our database. It is never shared outside of the database.
- Online application (use with active NetID)
- Paper application (pdf) is available for retirees and those who do not have an active NetID.
- E-mail ccts@cornell.edu with any status changes (eg. the student changes schools or a change in parent information). Do not complete another application.
Application Process
For Cornell Students
Once your application has been reviewed and approved for eligibility:
- CCTS notifies Financial Aid with the award amount for the academic year to credit to the student’s account;
- You will receive notification that the award payment was made once the student is enrolled for at least six credits. No further action by the employee or the student is required for that academic year;
- Cornell students may receive benefits for summer/winter courses taken at Cornell, without prior authorization from the school or college granting the Cornell degree;
- Cornell students may also receive benefits for summer/winter courses taken at another institution. Payments to outside schools are provided at 30% of the outside school’s tuition and fees. Contact ccts@cornell.edu for the form used for courses outside of Cornell. Summer/winter credits are deducted from undergraduate semesters.
For Students Enrolled at Other Institutions
Once your application has been reviewed and approved for eligibility:
- You will receive an approval email with a blank Certification attached;
- The email instructs you to keep the attachment as you will need to download it and give it to the school for each semester in that academic year that you want CCTS to make a payment;
- You will need to complete the top portion and submit the Certification form to the school your student is attending, for completion;
- Once the school sends the completed form back to you, it is your responsibility to submit the form to the HR Services and Transitions Center, 395 Pine Tree Road, Suite 110, Ithaca, NY 14850. You can also fax it to 607-255-6873 or email: ccts@cornell.edu;
- Submit only the certification for the current term the student is attending. Certification forms for future terms will not be accepted by the HR Services and Transitions Center (i.e. do not submit both fall & spring certification forms at the same time);
- Payments for CCTS awards cannot be made until the completed Certification form is received;
- Once the payment has been approved, you will receive an email confirming the amount that will be sent to the school. As indicated in the email notice, please allow 2-4 weeks for the school to receive the award;
- CCTS is not responsible for late fees that may accrue due to the date of receipt of the CCTS payment.
Any changes to the student’s status during the year, should be emailed to ccts@cornell.edu.
Benefit Payment
- Cornell students of employees hired prior to July l, 1983 will receive an award equal to 100% tuition, less administrative fees *(currently set at $9,980 per year);
- Cornell students of employees hired on or after July 1, 1983 will receive an award equal to half of the tuition and administrative fees;
- Payments for a new academic year are made at the start of the new fiscal year (July 1). Fall payments can begin being made at that time. Spring awards are processed after Thanksgiving;
- In order for awards to be made to outside schools, a completed CCTS Certification must be submitted to Cornell's HR Services and Transitions Center;
- The CCTS award is received by schools as student aid; therefore, the award may reduce other federal aid, e.g. Pell awards, workstudy. The school may also reduce/cancel grant money based on their school policy. Families should contact the college their student is considering, to find out what the policy is for adjusting the student’s aid package with the CCTS award.
A CCTS payment is always made directly to the institution.
- When a student is attending an institution other than Cornell, the plan does not make payments until the completed CCTS Certification Form is received by the HR Services and Transition Center.
- Colleges may require a student to pay tuition and fees at the time of registration. You may want to discuss if the school will waive the portion that CCTS will provide;
- The student’s college will reimburse the student after it has received payment from Cornell if there is a credit on the student’s account.
- The CCTS plan does not provide direct reimbursement to you or the student.
- CCTS is a reimbursement plan, not a prepayment.
Please be aware that the CCTS award cannot be posted to a student's Cornell bursar account until they are enrolled for at least six credits during the fall and/or spring semesters.
You or the student must notify the institution and the HR Services and Transitions Center if a student’s attendance plans change. If the CCTS payment is made, the full term will be deducted from the total semesters of eligibility unless you or the institution reimburse the CCTS plan.
Payments can be made for courses taken prior to matriculation. We would need a letter/email from the degree granting school, confirming the semester and number of credits that they are accepting as part of the student’s degree program. The student should confirm with the prior school that they will accept a retroactive payment. Some schools do not as they have been audited and that academic year closed.
CCTS benefits will only be coordinated with other scholarships or awards that must be applied to tuition. Awards that can be used for other purposes (books, room & board, living expenses), such as the PELL Grant, will not be considered. The amount of the CCTS benefit will be reduced only if the combined payment from CCTS and the other award (TAP, Excelsior, ROTC scholarships, or scholarships awarded solely for tuition costs) exceeds the total cost of tuition and fees.
* Administrative fee policy as established/amended by the Board of Trustees on July 12, 1972.
Tax Information
Undergraduate
The CCTS benefit is generally not taxable if it covers undergraduate education; however, under the Internal Revenue Code, the child must be a natural, adopted, foster or stepchild and a dependent. For tax purposes, a child is a dependent if you provide more than half of the child's support. In short, a child can be a dependent even if he/she does not qualify as an exemption on your tax return. In the event of divorced or separated parents, if either of the parents can pass the support test, BOTH parents pass it.
If you indicate that the student is not your dependent, these additional taxes will be deducted from your paycheck during the semester in which the award is made using the withholding rate determined by your completed W4 form on file in payroll.
Retirees with a taxable value will receive a 1099 at the end of the calendar year.
All taxes will apply to the benefits paid for the children of an employee's domestic partner. State taxes will not be applied to the benefit paid for the children of the same-sex spouse who was married in NYS and can provide a marriage license (this also applies to other qualified same-sex marriages).
Visit the Department of Financial Affairs for details on taxes.
Graduate
Benefits for graduate CCTS are taxable. The CCTS award and withholding will be reflected on your annual wage and tax statement (W-2) if you are an active employee. The net value of the award will be reflected on the student's bursar account. Graduate CCTS must be completed at Cornell and only employees hired prior to July 1, 1985 are eligible to receive this CCTS benefit.
Visit the Department of Financial Affairs for details.
Frequently Asked Questions
Do I complete an online application for each semester?
How does the outside school get paid by CCTS?
Do we pay the tuition that is due, or will the school waive the 30% until they receive CCTS?
How soon am I eligible?
Is there an age or marital status limit?
I have two (or more) children. Would both be eligible?
My spouse/domestic partner and I are both Cornell employees. Does this mean that our child would receive the benefit through both of us?
My parent and I are both eligible for CCTS. What type(s) of assistance can I receive?
Are benefits available for step-children?
What happens to eligibility for children upon divorce?
Legal Separation: Benefits continue.
Benefits for stepchildren will end at the end of the term in which the divorce is finalized.
Domestic Partnership: Benefits will end at the end of the term in which the partnership terminates.
Are courses taken in an Advanced Placement Program at Cornell eligible for CCTS?
What if my employment status changes?
What is the benefit for Part-Time Study?
What about summer/winter session courses?
What about study abroad?
Will CCTS be reduced by other scholarships the student receives?
What is TAP and how does it affect CCTS?
2024 Virtual Workshop Recording
Presentation Slides
Video Transcript
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My name is Michelle La Fave and I am a
benefits associate in the health and
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welfare section of the, Benefits and Service
Administration here at Cornell. you are in
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the Cornell's Children Tuition Scholarship
Workshop, and we're going to provide some
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information on the benefit that's available
to Cornell employees for their children who are attending college.
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Our agenda for today. I'm going to give you an overview of the benefit, give you eligibility requirements. So how
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someone becomes eligible both as an employee and the child of an employee.
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How you would apply for the CCTS benefit. How the payments are made and calculated. I'll let you know if
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there are tax implications that come with
the benefit. And there are some based on,
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the qualifications, if you have any employment
changes. I'll give you information on how
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those may and could affect the benefit.
And then some question and answer... some frequently answered questions.
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I'll just... provide to you the answers to. So maybe that's something that you're questioning and you'll get the answer right here.
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So our CCTS benefit was adopted by the Board of Trustees back in January of 1966. And
the benefit provides children of Cornell employees
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with a partial scholarship, either for study at
Cornell or at another accredited institution. Now,
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there were some board amendments made over time. Back in 2009, the eligibility requirement was
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opened up to part time employees as it was only
available to full time employees prior to that,
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and then also anyone coming from an institution
prior to Cornell that had a benefit that was similar were allowed to use the CCTS benefit
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Also in December of 2014, there was another amendment adopted where newly hired staff or returning staff to Cornell may
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have credit if they weren't Cornell before. And
then students, of employees who had a medical
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condition which precluded them for completing a
standard degree were permitted to do a certificate or a diploma.
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Now, one very important thing that we need to point out is the CCTS benefit is a reimbursement program.
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So while we make every effort to make the payments and process the applications and certifications
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prior to when your bill becomes due, please
note that it made you may be required to pay
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and then be reimbursed for, the benefit if
the payment isn't received prior to wanted to do at the University.
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So let's take some time to talk about who becomes eligible. So if you are Cornell employee, in a full time or a benefits,
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part time benefits eligible position, you
are moving towards eligibility for the CCTS
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requirement. Now, the eligibility is based on date
as noted here. So if you're hired prior to 1985,
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you're obviously eligible. the requirement now is a four year requirement for benefits eligible employees,
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and you can either be in a full time benefits eligible position for four years or the equivalent with part time
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employment. And that's determined by our office.
So if you are working in a part time capacity in
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a benefits eligible position, please contact us and we can let you know if, if and when you become eligible for the benefit.
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Now, your children or your child would become eligible for the benefit as a natural born child, an adopted child or a stepchild,
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a domestic partner or child. And we ask that
you have a domestic partnership agreement on
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file with Cornell to certify that you are domestic
partners, or if you have a foster child who has
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been living in your home and you've supported
for at least five years, you would be able to apply for this benefit.
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So how do you apply? So the benefit information and application is located on our website which is listed here.
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The application opens in April of the academic
year. So for instance this academic year which
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is the 2024-2025 academic year, the applications
will open next week beginning of April. It will likely be midweek, April 3rd,
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so just look out for that. It's not going to pop open on the 1st of April, but the first week of April, we will make the application available.
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You only need to submit one application
per year. So the academic year runs summer, fall,
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winter, spring. And so when your child has been
accepted into a college or they're continuing
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into the next year of their college, you just
need to go on to our website and submit the application one time per year.
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If there are any changes that occur after you submit that application. Let's say your child changes
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schools. You just need to contact our office
so we can make that change in the file. You do
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not need to submit a new application
for that change to be recorded.
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Now, if the child who's attending, and they have
a qualified parent at Cornell, that parent is
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deceased or retired and there's no longer access
to our workday system through the active net ID, then there is the website.
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Our website also contains the form that you can use to download, fill out, and return to our
office so that we can put the application on file
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for that academic year. And again, that paper file
is only used for someone who does not have access
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to the workday system and their net ID otherwise,
we're expecting that you use our website to go ahead and make that application, how the payment is made.
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So if your child is attending Cornell, the payment is processed directly through the financial aid office from
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our office. So we send them information and they
will apply that payment to your child's account.
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If your child is attending a school outside of
Cornell, we process the application. And once that
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application is approved, you're going to receive
an email with the certification form that needs to be filled out and instructions on how to do so.
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So the form will be filled out. Part one by the employee and then part two by the school, which gives us the information for the
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semester. And then we would process the payment
and send it to the school. Now please be aware
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that payments are made directly to the school.
So payments cannot be made to an employee. They cannot be made to a child.
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All payments are made directly to the school the child is attending. And then if let's say you have made the payment already,
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you can work with the school to either receive
reimbursement or apply to a future bill. But
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no payments can be made directly to an employee or
to the child. All payments are made to the school.
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The CCTS form, which you'll receive for outside
schools, needs to be submitted every semester,
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so the application is done online, but this
form itself must be submitted every semester
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so that we know the child is attending and the
fact that forms may be different because of different courses being taken.
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The fall forms are processed after January... after July 1st. I'm sorry. So if your child is attending in the fall of 2024,
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let's say we ask that once your child is
matriculated and completely registered,
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that form is returned to us. We can accept forms
at any point, but we want to have the final form
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with final enrollment because we want to make sure
that we capture all fees and anything that may be included for that semester.
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If your child's attending in the spring, those awards are processed after Thanksgiving and sent to
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the school. So again, like the fall, please
hold the form. have the school fill it out
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once your child is enrolled in classes so we can make sure to pick up all the expenses for that semester
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So how are the payments calculated? So here is where your date of hire matters. I don't know that
we have many people falling in the first category,
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but if you're hired prior to July 1st of
1983 and your child is attending Cornell,
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you're going to receive 100% of tuition minus
the administrative fees. So those administrative fees are about $10,000,
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right now, they're $9,980 for the academic year. And your award would be minus those fees at 100% if you're hired after July 1st, 1983,
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like most people are, don't expect there's
many that fall in the first category and
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your child is attending Cornell. You will
receive 50% tuition towards the CCTS benefit,
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and that does that. Administrative fee that's pointed out in the prior situation is also included.
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So there's no exclusion of that fee. You receive 50% of tuition if your child's attending. Cornell.
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If you have a child who is attending an institution outside of Cornell, Cornell provides 30% of the tuition and
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applicable fees. that apply for that child for the
semester, for the year. note we do not cover room and board, we do not cover books,
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we do not cover travel. There are other things people do put on that certification form. And just so everyone's aware,
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room and board are not covered. those types of
things are not covered. We only cover tuition
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and applicable mandatory fees. And those fees
could be course fees. If someone's taking a
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biology course and there's a biology fee, it
includes matriculation fees, ID card fees, anything that apply to all or most students, and it's considered mandatory.
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Now note there is a cap. There's a maximum for the benefit. So if your child is attending a
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institution that has a pretty high tuition costs,
we will take that tuition costs into account and
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calculate 30% of it. If it's higher than Cornell's
tuition by 30%, we're going to pay the maximum, which is 30% of Cornell's endowed tuition.
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So for the... this current academic year, not going into the next, that amount is about $9,870 per semester, which
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is 30% of Cornell's endowed tuition. So just note
that there's a maximum that is imposed if your
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child is attending a college outside of Cornell.
Now, one of the big questions people ask is, what if my child is receiving funding?
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What if I'm getting other scholarships? CCTS is considered and would like to be the last funding source. That's how our,
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program is written. And so we ask that
schools, when they receive our funds,
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apply it. That's when we get the forms that lists
what other scholarships are being given. We do
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consider anything that's tuition based. So if
your child is receiving funding and that money
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can only be used towards tuition, we do consider
that in our calculation, if they're receiving
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something like Pell or a Grant that can be used
for anything which may include room and board, then we do not consider that funding.
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So we ask that the school specify and lists only tuition based funding so that we can provide the most funding that Cornell can apply.
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Alright, so let's get into the tax implications, which aren't applying to all,
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but we do need to touch base and let you know what happens if you are eligible for a tax. if you're going
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to be taxed on the benefit. So as you can see, if
your child is completing an undergraduate degree,
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the degree is not taxable as long as the child is
your dependent and you are, a Cornell employee, the undergraduate tax benefit is not taxable.
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Now, if you do not provide 50% or more of your child's living expense and it's the other parent,
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whether you're married or not, separated, whatever
your status may be, does not provide 50%, then the
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child is not considered a dependent. And so that
benefit, even if it's an undergraduate benefit,
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would be taxed. An example of this is, you have a child who took three years off after they graduated from high school,
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now they do not live with you any longer. You're not providing their living expenses. That benefit
would be taxable to you through payroll. Another,
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tax implication group is anyone who's filing
the benefit for a domestic partner's child.
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So if you were not married to your significant
other, you're just domestic partners and you are filing for that child.
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The benefit of funding will be considered as taxable and you would be taxed through payroll. Now if you are retired,
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which the benefit does apply to retirees, of
course. Now if you're retired and have met the
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eligibility and the child is not your dependent,
then you will be taxed. And that tax amount would be reported on a 1099.
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So you would still receive documentation, for tax purposes of the benefit.
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Now the graduate level CCTS
is a taxable benefit, but this is only, available
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to employees who were hired prior to July 1st
of 1985. So if you do fall into that category,
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your child can do the graduate level. can received
graduate level funding. But no, the benefit is only available for degree programs at Cornell.
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So there is some tax implications for the various elements of but firm mostly and most of the employment employees. Sorry. it is not taxable.
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So employment changes, if you have an employment change while you're at Cornell. So you've met the benefit eligibility of four
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years in a full time position or the equivalent
for part time in a benefits eligible position, and you've had a change.
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So you go on long term disability or short term disability. You're on a leave without pay. We ask that
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you visit our website, see if your, status change
is listed there, and you'll see what the benefit
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changes. If it's not available or there is some
element to your situation that's different,
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please contact our office and we can help point
you in the right direction and provide information on your eligibility for the benefit.
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So people ask, how soon am I eligible? So if you're hired, as I mentioned prior to June 30th of 1985,
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you're eligible now. if you're eligible, if your
hire date falls between July 1st of '85 and after,
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you have to complete four years of full time
benefits, eligible employment or eight year
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equivalent of part time employment, or longer over the period of time to become eligible for the benefit.
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And again, please note you must be in a benefits eligible position. So some people have been in temporary positions
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for a while and started then a part time position
or sorry, a full time position. That's a benefits
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eligible position. We can only count the benefits
eligible. Period. So your eligibility is based on being in a benefits eligible position.
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Another question is there an age limit or a marital status exception? And the answer is no to both. So there is no age limit
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on when your when you can apply for that benefit
for your child or the marital status. They can be
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married. But note that if the child once again is
not your dependent, you will be taxed on a benefit either through payroll or through a 1099.
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So that's something to consider with the age or marital status. If they're not your dependent.
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If I have two or more children, would both be eligible? Yes. So all children, as noted on the prior slide, whether natural children
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adopted foster children are eligible for the
benefit, does not matter how many kids you have,
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they are all eligible. and you would apply for the benefit the same way you would, for one child or for many.
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So my spouse or domestic partner and I are both Cornell employees, does this mean that our child will receive the benefit from both
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through both of us? unfortunately, answer is no.
So you may both have eligibility. but the child
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can only be applied from one parent. So we would
say that the parent with the better benefit, let's say you one parent is hired prior to 1985,
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one parent is hired sooner. We would say that the the benefit eligible parent who has the better benefit can
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apply. But either can apply. You just cannot both
apply for the same child in the same academic
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year. one application will be rejected and you
would only receive funding through one parent, so you couldn't double it up, unfortunately.
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So how can I determine which educational
institutions are eligible for the benefit?
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We do have a website here, or you can contact
our office and note this presentation will be
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recorded and posted on our website, but
I will also, within the next few days,
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provide these slides to you who have attended and
registered for the webinar so that you have this information and can refer back.
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But if you do have any questions on the school your child is attending, you can either visit this website or you can contact our office
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and we'll let you know if it's eligible. What is the benefit...
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What is the benefit for part time study? so
if your child is not attending full time,
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so they're taking less than a full time credit
load for this semester's. So you can only make
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payment in the fall and spring semesters.
If your child is taking at least six credits in each semester.
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So we can pay for six credits in the fall, six credits in the spring, anything up to full time. But, they have to take at least
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six credits in those semesters to fall in spring.
If your child is enrolled part time in the spring
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and sorry, in the summer or the winter semesters,
there is no credit. minimum we can make payments towards summer and winter semesters,
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it's only the fall and spring that have a six semester
credit limit or minimum. Sorry,...
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Is there a deadline for the CCTS benefit? There
is no deadline per se, so we can process retro
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applications. Anything that happens after current
before current day. So if your child attends four
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years of college and you're holding on to it, we can process those four years of applications and certifications at any point.
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But please note that you should contact the school your child is attending to make sure the funds can be received. So,
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as mentioned any CCTS payments are made directly
to the school, we cannot make the payment to you.
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We cannot make the payment to the student. So if
you're submitting applications after the student
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has completed education, or a year after, you need
to check with the school to make sure that they
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can accept and process the funds and reimburse
you for them because some schools may close their academic year after a period of time.
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So it's going to be important if you're holding or if something happened prior to the current academic year that you contact the
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school to make sure the funds can be accepted
from Cornell and then processed, you also have
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to consider, if you hold applications or you're
submitting applications after study is completed, if your child is no longer
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a dependent of you, the benefit becomes taxable.
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So if you're submitting after your child has graduated, your child has moved out. You don't provide 50% of living expenses
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for them. Then the benefit becomes taxable for
all the years you submit. And so because it's
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processed in this current year when the child is
not a dependent, you will be taxed on the benefit. So that's something to consider,
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if you don't file within the current semesters attendance.
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Can CCTS payments be made retroactively if the if the term is and the year is completed? Yes. But as I noted, you have
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to make sure that the institution can accept the
funds and the child is tax benefit is tax. If the child is no longer you're dependent.
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Will CCTS be reduced... be reduced by the scholarship the student is receiving> Yes. And that is only if that
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scholarship or other funding is for tuition
only. So if it can be used to other benefits,
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costs would not be reduced. But if it is
for tuition only, we have to, take that
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into account when we make the calculation and
we'll make it and make as much of the CCTS payment as we can towards tuition.
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Does the CCTS benefit reduce your employee parental,
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your the employee's parental contribution or
the expected family contribution? The answer
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is yes. It could be possible. So we ask that you
contact the financial aid of the institution your
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child is attending, just to get an understanding
of the fact that you are receiving funding from
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your employer, or could that make a difference on
what the eligibility is for the financial aid and the contribution amount?
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These questions are listed on our website and information on the benefit as noted. So if you, want to, you can visit our website to get some information.
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So just as a close up, just an important reminders about the CCTS benefit. The CCTS benefit is a reimbursement program. So while
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we make an effort to make payments as quickly
as we can, once we start processing forms and
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as forms are received, we know that if you need to
make the payment prior to the date of due payment, we'll make the payment to university,
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but you may have to be reimbursed for that payment. So we are a reimbursement
program. We make every effort to make payments.
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But sometimes if we don't get the payment in, you
are responsible to make the payments. CCTS does not cover late fees, unfortunately.
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Your eligibility and the benefit amount are based on your date of hire. So depending on when you are hired, you will receive a different level of benefit.
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50% towards Cornell and 30% towards outside
schools. It is, most applicable to most people at this point.
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One application is required for the academic year. So the online application that's done,
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prior to the child starting for the academic year
has to be done. Only one time you would visit our
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website, submit the application. if your child is
attending Cornell, we will process the payments through Cornell directly.
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If your child is attending a university outside of Cornell, you will receive a certification form
to be completed and we can process the payment.
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Certification forms are needed each semester. And
people ask, Will they attended last semester? Why
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are we sending another form? the enrollment may
change. Your child may be taking a course that now has a fee, which they didn't have before.
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Some of the mandatory fees may change depending on the semester. Some may be paid once a semester
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to the spring semester form. Wouldn't have those
fees. we're just trying to get an accurate picture
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of the tuition so we can make, the payment
of 30%. There is a maximum impulse, as noted, of 30% of Cornell's endowed tuition.
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So we have some universities, Columbia, Brown, who sometimes have a tuition that's a little bit higher
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than Cornell. And so we make a payment
of a maximum of 30% of Cornell's endowed tuition for the year.
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There is no graduate level paid, um for institutions outside of Cornell. And again, that graduate level benefit is only applied to a certain handful,
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those hired before, July 1st of 1983. So if you are on the call or listening to this and you do have a child who is,
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eligible for that benefit, you can contact
our office. Note, the benefit is taxable if it does apply to you.
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Alright, and that brings us towards the end of the presentation. So there are some questions in the Q&A.
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I will answer those questions. give a recap
if needed. but please note our resources so
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you can visit our website listed here, and get
information on the CCTS benefit. You can send an email to the CCTS mailbox.
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It's cctts@cornell.edu, and we do try to respond within 2 to 3 days of receiving it. There sometimes can be
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a delay, so we apologize. But we do try to
make Chris give give responses as quickly as
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we can. Or you can. Feel free to contact me
directly. So here's my contact information, my email and my phone number.
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If you have any questions, you can feel free to reach out and I will respond to you.
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So we're going to get to the Q&A. Answer any questions anyone may have had. one question that's coming in.
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How long was an employee work in order for
their child to gain financial assistance?
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So if you are in a full time benefits eligible position, for at least four years, you will qualify for the benefit.
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if you are in a part time benefit benefits eligible
position, we will calculate based on
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that part time on the part time employment,
how and when you will be eligible for this
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benefit. But in both cases, you must be in a
benefits eligible position in order to take advantage of the benefit.
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Okay. So they're asking the question if they're
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required to live on campus is 50% of funding so
considered for the child? Yes. So if your child
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is a freshman living on campus, sophomore living
on campus, you are still providing 50% of their living tuition, their living costs.
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And so the benefit would not be taxable to you. That's if the child has gone out on their own. They're
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living on their own. But if there are Cornell
students attending Cornell, they would still be considered your dependent.
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We have another question. I work seven plus years at a SUNY institution before Cornell. What institution does the office except for carry over years?
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So I'm going to ask you to send me an email. My email is met27@ornell.edu. Please send me an
email and we can discuss, the eligibility based on
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prior, employment at an institution.
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Another question that has come in. There's a cost benefit work with Excelsior if the student is attending a
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city school. So in past years, we did consider Excelsior because it is also tuition based,
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but now we do not consider it. So if there is excelsior being given to the student and, we consider that as something
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that can apply to anything. And so we don't
use that calculation when we calculate what the state's payment may be.
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Let's see. So a question when are the certification forms due prior to each semester. So certification forms
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can be accepted at any point. So if you have the
completed form prior to the start of the semester,
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with all the child's enrollment correct,
you can submit the form. We will hold it
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in our system and then process the
form after July 1st for the fall, after Thanksgiving, for the spring.
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And you can feel free to follow up with us if there is some gap in time between
receipt of the form and us processing the form,
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but we can accept the form at any point in
the semester. Just note that because it's
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a reimbursement program, and if you submit it
later prior, probably you will have finance fees,
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CCTS does not make payment towards any late or
finance charges applied to the account, so we can accept it at any point,
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we just don't make any late payments if it's after a certain period for the child.
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Is there a limit of students? Cornell allows for this benefit, and I don't know that I understand the question. if you
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want to clarify the question. So the question
asks is, is there a limit of students Cornell
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allows for this benefit? I will say broadly, no.
So if you're an employee of Cornell, you qualify, you are able to gain the benefit.
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If you want to ask the question a different way, I'll get back to it. Or you can feel free to contact me directly and I will answer the question.
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Another question that has come in, does the tuition benefits stack with the school's tuition based scholarship? Is
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the combined is less than the cost and tuition
mandatory? So what we do when we calculate we calculate 30% of tuition.
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So let's give an example of the child is receiving
funding from another source. And it is
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tuition based. If the tuition is $2,000
and we are making a 30% payment to that,
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the amount would be $6,000. So $600. I'm sorry.
So tuition is $2,000, 30% is $600. Cornell makes $600
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worth of payment. If your student is receiving
$1,500 in other funding, that is tuition based, that would leave a balance of only $500.
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So Cornell would make the payment of 500 rather than 600, because the other tuition based scholarship or payment is going to
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cover up to 100% when we pay 500. So, we can only
make payment up to the full tuition and fees. And
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if other two of the tuition based scholarships are
in the factor, then we can only make up to 100% rather than the 30% of the tuition.
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Hopefully that answers your question. And if I didn't, please feel free to reach out directly and we can have
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a conversation on how that works. All right. So
the next question is, could you help provide an
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example of how the amount is calculated? let's
see. For example, there's a $39,000. Our son is receiving 23 in scholarship.
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Okay. So, I alluded to this
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just a bit in the answer before, but let's say the
tuition is $39,000 is noted here. and that's let's
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say per year. Cornell would do 30% of that, which
is $58,050, $5,850. if your child is receiving a
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scholarship, it's $23,000. What we do is we based
the calculation on tuition and then factoring any tuition based scholarships.
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So if there's no tuition based scholarships,
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we would just look at the 30%, and calculate what
that is. If the tuition if the scholarships are
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tuition based, then we would subtract that amount
if necessary and pay up to the 100% of tuition
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rather than 30% of what tuition and fees are with
that other funding. Hopefully that's clear and you understand that as well.
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If not, please feel free to contact. And, I will, be sure to answer the question for you in a clearer method. All right. So someone saying
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I did not understand how the tuition factors
into the ctfs. So you said a minimum of ctfs
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is applied. Does that mean 30% is completed before
the other scholarships or. Okay, so this is pretty much the same question that was asked prior.
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We calculate 30% of the full tuition and fees given by the school. If there is other tuition based funding provided and
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it will exceed 30% when given, we would calculate
what makes the whole tuition and fees. So again,
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in the example, if the tuition is $2,000,
30% of $2,000 is $600. If the student is
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receiving tuition scholarships, the Max
up to $1,500, then that only leaves a portion, which is $500,
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it can be paid. And so instead of paying 600 to the 30%, we would pay 500 to make the tuition and fees 100%, which is $2,000. Hopefully that's clear as well.
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Does going on sabbatical impact eligibility? It
will impact eligibility. And again,
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I ask you to visit the website. it will depend on
the type of sabbatical you're on and the length of time you're on sabbatical.
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The benefit can be paid, but only up to one semester. So please visit our website. see if the answer is on the website. And if not, please feel free to contact me directly.
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All right. We have a two part question here. I noted the fees are made directly to this school,
but the last slide says it's a reimbursement
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program. Can you call can you clarify? So the KTS
program is a reimbursement program in that we make
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payment if we can, but if we're not able to make
payment prior to when the tuition bill is due, then the payment is your responsibility.
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And then you would have to make payment, and you'd be reimbursed by the school. So it's paid directly to the
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school. It cannot be paid to the employee or the
student, but because it's a reimbursement program,
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if our payment does not reach the school
prior to when the due date has come,
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you may need to make payment or you would need to make payment towards your child's tuition and then be reimbursed by the school.
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So we do make every effort to do it prior, but sometimes we're not able to. So you would be reimbursed by the school for that payment.
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If room and board are mandatory in an institution like Cornell,
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will the benefit apply towards those costs? The
answer is no, unfortunately. So the program is designed to make payment to tuition only.
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It does not make payment towards room and board,
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even if that is required. so what you would
see is 50% of the tuition costs at Cornell and
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nothing would be applied to the room and board.
And that's just that's the way the program is set
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up in May. And so that's why, no payment is made
to room and board, even if it is mandatory, unfortunately.
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Do all students who are children of employees get
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this benefit, or is there a limit on the number of
children? There is no limit. So if you have more
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than one child and you are an employee, you do
qualify for the benefit. Each child would receive
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30% at an outside school or 50% at Cornell, so
there is no benefit to the number of children you can apply for the benefit for,
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and hopefully that answers your question.
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Are administrative fees included in tuition for all schools? That is quite possible. we don't know about administrative
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fees. What we get for outside schools is
tuition and any fees that are applicable.
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So likely there are administrative fees included,
and we would pay 30% of that. The only exclusion
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for the administrative fees are is anyone who, was hired at Cornell and has been here prior to July 1st of 1983.
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So that's where the 100% of tuition will come in at Cornell, only minus the administrative fees, but otherwise
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administrative fees are covered. we have another
question here. This is the benefit to apply to
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my child if attending an international college.
Yes. So if your child is completing a degree,
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bachelor's associate's degree, an undergraduate at an institution that's not at Cornell...
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I'm sorry, not in the United States. Yes, you can get the benefit. we would make payments to international colleges. And
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one thing to be noted is there is a semester cap
so you can get the benefit at ten semesters. If,
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your child is attending and you're qualified for the benefit or the attainment of a bachelor's degree.
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So semesters, we do know some schools have trimester or quarter systems. We consider that the academic year
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equivalent to a two-ish to a semester. And so
we have the benefit of ten semesters or the
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attainment of a bachelor's degree. And hopefully
that's helpful to everyone. Okay. I think that's
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it for questions. If there's anything that comes
up, please feel free to reach out to us and we can answer your questions.
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Thank you all for your time and for attending our presentation, and we hope to talk with you soon. Thanks very much.