BENEFITS BOOK 202 1
COLLEGE OF MEDICINE DUALLY COMPENSATED FACULTY
UniversityofCincinnatiAcademic HealthSystem
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Physicians Healing • Teaching • Leading
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Facilities: • UC Health Physician Offices • University of Cincinnati Medical Center • West Chester Hospital • Daniel Drake Center for Post Acute Care • Lindner Center of HOPE
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UC College of Medicine Vision:
To be indispensable through excellence in education, research, and patient
Dual Compensation Employment Status You are employed by University of Cincinnati (UC) and UC Physicians, Inc. (UCP) You practice at UC Health (UCH) facilities.
Provided by:
PAYCHECK TAX WITHHOLDING RETIREMENT CONTRIBUTIONS BENEFIT PACKAGE
EMPLOYEE SELF SERVICE (HR/PAYROLL SYSTEM) EMPLOYEE NUMBER EMAIL ACCOUNT NETWORK ACCESS/USER ID EMPLOYEE BADGE
EMPLOYEE TRAINING EPIC (EMR) SYSTEM
UCRETIREMENTSAVINGS BASIC EMPLOYER CONTRIBUTIONS UC OFFERS THE FOLLOWING RETIREMENT CONTRIBUTIONS IN LIEU OF CONTRIBUTING TO SOCIAL SECURITY. AS STATE OF OHIO PUBLIC EMPLOYEES, EMPLOYEES WILL NOT CONTRIBUTE TO SOCIAL SECURITY. APPLIES ONLY TO UC SALARY
OPTION 1: STRS: STATE TEACHERS RETIREMENT SYSTEM*
AVAILABLE TO FULL-TIME AND PART-TIMEEMPLOYEES VESTING SCHEDULE APPLIES UC CONTRIBUTION : • 9.53% - DEFINED CONTRIBUTION PLAN • 14% - DEFINED BENEFIT PLAN • 14% - COMBINED PLAN EMPLOYEE MANDATORY CONTRIBUTION -14% OPTION 2: ARP: ALTERNATIVE RETIREMENT PLAN* AVAILABLETO FULL-T IME (100% FTE)EMPLOYEES DEFINED CONTRIBUTION PLAN IMMEDIATE VESTING SCHEDULE UC CONTRIBUTES 9.53% OF EMPLOYEE'S ELIGIBLEPAY EMPLOYEE MANDATORY CONTRIBUTION -14%
PLAN INFORMATION
ARP PLAN ADMINISTRATORS
AXA VOYA
TIAA FIDELITY
*MUSTELECTUCRETIREMENTOPTION INFIRST 120DAYS. ELECTION IS IRREVOCABLE.
UC VOLUNTARYRETIREMENT SAVINGS
EMPLOYEE VOLUNTARY CONTRIBUTIONS
ELIGIBILITY
ALL EMPLOYEES
EMPLOYEES MAY DIRECT ADDITIONAL RETIREMENT SAVINGS CONTRIBUTIONS TO: 403( B ) PRE-TAX CONTRIBUTION 457( B ) PRE-TAX CONTRIBUTION
PLAN INFORMATION
EMPLOYEE DIRECTED UPTO ANNUAL IRS LIMITOF $19,500. $6,500 CATCH UPCONTRIBUTION AVAILABLE FOR AGE 50ANDOLDER
EMPLOYEE CONTRIBUTION
403( B ) AXA,FIDELITY,TIAA, VOYA 457( B ) OHIO DEFFEREDCOMPENSATION
PLAN ADMINISTRATORS
FOR MORE I NFORMATION: https://www.uc.edu/employees/hr/work-at-uc.html
STRS: 1 (888) 227-7877 www.strsoh.org
ARP Vendor AXA Equitable
Phone
Website
www.mainstreetfinancialservices.com www.axa-equitable.com www.netbenefits.com/universityofcincinnati
800-551-2423
Fidelity Investments
859-240-2513
TIAA
513-263-2800
https://www.tiaa.org/public/tcm/uc
VOYA Financial
800-451-4702 ext. 4025462 ohioarp.beready2retire.com
UCP RETIRE MENT SAVINGS
BASIC EMPLOYER CONTRIBUTIONS UCP OFFERS THE FOLLOWING RETIREMENT CONTRIBUTIONS IN LIEU OFCONTRIBUTING TOSOCIAL SECURITY. ASSTATEOFOHIOPUBLICEMPLOYEES, EMPLOYEES WILLNOTCONTRIBUTE TOSOCIAL SECURITY.
APPLIES ONLY TO UCP SALARY
ALL EMPLOYEES
AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES DEFINED CONTRIBUTION PLAN UCP CONTRIBUTES 8.5% OF FIRST $ 2 90,000 {IRS LIMIT) OF TOTAL UCP COMPENSATION, UP TO A MAXIMUM OF $ 2 4,650 AS PART OF THE TOTAL COMPENSATION PACKAGE, UCP MAY CONTRIBUTE AN ADDITIONAL AMOUNT (NOT TO EXCEED ANNUAL LIMIT OF $5 8 ,000) IMMEDIATE VESTING NO EMPLOYEE MANDATORY CONTRIBUTION
PLAN INFORMATION
PLAN ADMINISTRATORS
TIAA FIDELITY
UCP VOLUNTARY RETIRE MENT SAVINGS
EMPLOYEE VOLUNTARY CONTRIBTIONS
ELIGIBILITY
ALL EMPLOYEES
EMPLOYEE DIRECTED UP TO ANNUAL IRS LIMIT OF $19,500 $6,500 CATCH UP CONTRIBUTION AVAILABLE FOR AGE 50 AND OLDER CONTRIBUTION LIMITS, IT IS RECOMMENDEDTHAT EMPLOYEES MAKE SUPPLEMENTAL CONTRIBUTIONS THROUGH EITHER UC PAYROLL OR UCP PAYROLL (NOT BOTH). EMPLOYEES MAY DIRECT ADDITIONAL RETIREMENT SAVINGS CONTRIBUTIONS TO: 403(B) PRE-TAX CONTRIBUTION, OR 403 (B) ROTH POST-TAX CONTRIBUTION 457(B) PRE-TAX CONTRIBUTION TO AVOID THE POSSIBILITY OF EXCEEDING ANNUAL IRS
PLAN INFORMATION
E MPLOYEE CONTRIBUTION
PLAN ADMINISTRATORS
TIAA FIDELITY
FOR MORE INFORMATION: Fidelity Investments – 1-800-343-0860 www.netbenefits.com/ucp (microsite) Contact – Mike Fischer 859-240-0939 or mike.fischer@fmr.com Wealth Management Consultant --Scott Noelcke 513-379-4344 Scott.Noelcke@fmr.com
TIAA - 1-800-842-2273 www.tiaa.org/ucp (microsite) Contact – Laura Maxwell 513-263-2825 lmaxwell@tiaa.org
MEDICAL INSURANCE
MEDICAL PLAN INFORMATION
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
PLAN INFORMATION (TWO AVAILABLE)
PPO
HDHP
IN NETWORK
OUT OF NETWORK
IN NETWORK
OUT OF NETWORK
ANNUAL DEDUCTIBLE
$1, 2 00 INDIVIDUAL $2, 4 00 FAMILY
$3, 6 00 PER PERSON $ 7,4 00 FAMILY
$1, 8 00 INDIVIDUAL $3, 6 00 FAMILY
$ 6 00 INDIVIDUAL $1, 2 00 FAMILY
ANNUAL HEALTH SAVINGS ACCOUNT FUNDING (UC)
$32 5 – $825 EE $650 $1,650 FAMILY*
$325 – $825 EE $650 - $1,650 FAMILY *
NOT APPLICABLE
NOT APPLICABLE
65% AFTER DEDUCTIBLE
COVERED 100%
COVERED 100%
PREVENTIVE CARE**
65 % AFTER DEDUCTIBLE
COVERED SERVICES
80 % AFTER DEDUCTIBLE
65 % AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
65% AFTER DEDUCTIBLE
TIER 1 (GREATEST VALUE): $20 TIER 2 (BRAND): $40 TIER 3 (HIGHER COST BRAND): $55 TIER 4 (SPECIALTY): 25% CO-INS, $250MAX
80 % AFTER DEDUCTIBLE
RETAIL PHARMACY
MAIL ORDER 90 DAY SUPPLY (MANDATORY FOR
TIER 1: $40 TIER 2: $80 TIER 3 : $110
80 % AFTER DEDUCTIBLE
MAINTENANCE MEDICATIONS)
RATES VARY BASED ON PLAN SELECTION AND ANNUAL BASE PAY*
EMPLOYEE CONTRIBUTION PLAN ADMINISTRATOR
ANTHEM
* BASED ON TOTAL ANNUAL BASE PAY (UC + UCP) ** AS RECOMMENDED BY THE AMERICAN MEDICAL ASSOCIATION
FOR MORE INFORMATION ON MEDICAL PLANS: https://www.uc.edu/employees/hr/work-at-uc.html
HEALTH SAVINGS ACCOUNT VISA CARD FROM HealthEquity MONEY DEPOSITED IN TO ACCOUNT TO SPEND – UC CONTRIBUTES TO THE ACCOUNT ON A MONTHLY BASIS ; PRO-RATED FOR START DATE – EMPLOYEES CAN CONTRIBUTE ADDITIONAL AMOUNT UP TO IRS LIMIT – $2.95/MONTH BANKING FREE APPLIES – ACCESS TO FUNDS ARE TYPICALLY AVAILABLE THE FIRST FULL MONTH FOLLOWING BENEFITS ENROLLMENT DEADLINE SPEND ON ELIGIBLE HEALTH CARE EXPENSES – KEEP RECEIPTS; TAX PENALTIES APPLY IF USED INCORRECTLY – TAX DEPENDENTS/SPOUSE CAN USE HSA ELIGIBILITY RULES – ENROLLMENT IN HDHP AT UC – CANNOT BE ENTITLE TO OR ENROLLED IN MEDICARE PART A AND/OR PART B – CANNOT BE COVRED BY A SPOUSES FSA – CANNOT BE COVERED BY ANOTHER MEDICAL PLAN (UNLESS IT IS AN HSA-QUALIFIED PLAN) FLEXIBLE SPENDING ACCOUNT HEALTH CARE FLEXIBLE SPENDING ACCOUNT – NOT AVAILABLE IF YOU ELECT HDHP MEDICAL PLAN
– MINIMUM CONTRIBUTION - $120.00 PER YEAR – MAXIMUM CONTRIBUTION - $2,400.00 PER YEAR DEPENDENT DAY CARE FLEXIBLE SPENDING ACCOUNT – MINIMUM CONTRIBUTION - $120.00 PER YEAR – MAXIMUM CONTRIBUTION PER YEAR • SINGLE OR MARRIED, FILING JOINTLY - $5,000.00 PER YEAR • MARRIED, FILING SEPARATELY - $2,500.00 PER YEAR
DENTAL INSURANCE
DENTAL PLAN INFORMATION
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
COMPREHENSIVE W/ ORTHO $50 PER PERSON $150 FAMILY DOES NOT APPLY TO DIAGNOSTIC, PREVENTIVE, OR ORTHO SERVICES $2,000 PER PERSON, EXCLUDING ORTHODONTIC SERVICES
PLAN INFORMATION
BASIC
COMPREHENSIVE
$50 PER PERSON $150 FAMILY DOES NOT APPLY TO DIAGNOSTIC OR PREVENTIVE
$50 PER PERSON $150 PER FAMILY
ANNUAL DEDUCTIBLE
$1500 PER PERSON, EXCLUDING ORTHODONTIC SERVICES
$500 PER PERSON
ANNUAL MAXIMUM BENEFIT
80% AFTER DEDUCTIBLE
100% NO DEDUCTIBLE
100% NO DEDUCTIBLE
DIAGNOSTIC & PREVENTIVE CARE
BASIC SERVICES 60% OF PERIODONTIC SERVICES 80% OTHER SERVICES
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
80% ON TMD TREATMENT 60% OTHER SERVICES
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
MAJOR SERVICES
60%* LIFETIME MAX $2,000 PER ELIGIBLE DEPENDENT UNDER AGE 19
NOT COVERED
ORTHODONTIC SERVICES
NOT COVERED
EMPLOYEE CONTRIBUTION
RATES VARY BASED ON COVERAGE SELECTION
PLAN ADMINISTRATOR
DELTA DENTAL
The percentages are applied to Delta Dental's allowance for each service and it may vary due to the dentist's network participation.
VISION INSURANCE
VISION PLAN INFORMATION
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
VISION CARE SERVICES
PLAN INFORMATION
IN NETWORK MEMBER COST
OUT OF NETWORK REIMBURSEMENT
$25 COPAY; $130-$150 ALLOWANCE; 20% OFF BALANCE OVERALLOWANCE; $70 COSTCO FRAME ALLOWANCE INCLUDED IN RX GLASSES CO-PAY INCLUDED IN RX GLASSES CO-PAY INCLUDED IN RX GLASSES CO-PAY
FRAMES (EVERY OTHER CALENDAR YEAR)
UP TO $70
SINGLE VISION
UP TO $30 UP TO $50 UP TO $65 UP TO $50
BIFOCAL TRIFOCAL
STANDARD PROGRESSIVE LENSES
$55-$175 CO-PAY
CONTACT LENS FIT AND EVALUATION
UP TO $60
NOT APPLICABLE
CONTACT LENSES (IN LIEUOF GLASSES)
$60 COPAY
UP TO $105
$3.82 EMPLOYEE ONLY
$8.18 EMPLOYEE + CHILD(REN)
EMPLOYEE CONTRIBUTION
$7.74 EMPLOYEE + SPOUSE
$13.08 EMPLOYEE + FAMILY
PLAN ADMINISTRATOR
VSP
FOR MORE INFORMATION ON VISION BENEFITS:
https://www.uc.edu/employees/hr/work-at-uc.html
LIFE INSURANCE
BASIC LIFE INSURANC E
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
30%+ FTE EMPLOYEES
ONE (1) TIMES ANNUAL BASE PAY UP TO $50,000 EMPLOYEE MAY ELECT $5,000
$50,000 TERM LIFE INSURANCE, ACCIDENTAL DEATH AND DISMEMBERMENT POLICY
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
NO EMPLOYEE CONTRIBUTION
NO EMPLOYEE CONTRIBUTION
PLAN ADMINISTRATOR
MINNESOTA LIFE
THE HARTFORD
VOLUNTARY LIFE INSURANC E
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
30%+ FTE EMPLOYEES
SUP P LEMENTAL LIFE
EMPLOYEE MAY ELECT THE LESSER OF SIX (6) TIMES ANNUAL UC BASE PAY OR $1 MILLION PERSONAL ACCIDENT INSURANCE PROVIDES A BENEFIT IN THE EVENT YOU DIE AS A RESULT OF A COVERED ACCIDENT WILL ALSO PAY A FULL OR PARTIAL BENEFIT FOR CERTAIN ACCIDENTAL INJURIES COVERAGE LEVELS ($50,000, $100,000, OR $150,000)
$10,000 INCREMENTS UP TO THE LESSER OF FIVE (5) TIMES ANNUAL SALARY OR $1,000,000. INCLUDES AD&D COVERAGE ADDITIONAL COVERAGE IS AVAILABLE FOR SPOUSE/DOMESTIC PARTNER AND ELIGIBLE DEPENDENT CHILDREN GUARANTEED ISSUE, IF ELECTEDWITHIN 30 DAYS OF ELIGIBILITY DATE, UP TO LIMITS OF:
PERSONAL ACCIDENT
PLAN INFORMATION
$150,000 EMPLOYEE COVERAGE $25,000 SPOUSAL COVERAGE $10,000 CHILD(REN) COVERAGE
ADDITIONAL COVERAGE IS AVAILABLE FOR SPOUSE/DOMESTIC PARTNER AND ELIGIBLE DEPENDENT CHILDREN RATES VARY BASED ON AGE AND COVERAGE SELECTION
EMPLOYEE CONTRIBUTION
RATES VARY BASED ON AGE AND COVERAGE SELECTION
PLAN ADMINISTRATOR
MINNESOTA LIFE
THE HARTFORD
PAID TIME OFF
VACATION TIME ACCRUAL
ELIGIBILITY
ALL EMPLOYEES
FULLTIME EXEMPT EMPLOYEES ACCRUE VACATION AT THE RATE OF1.67 DAYS/MONTH (20 DAYS/YEAR) PARTTIME EXEMPT EMPLOYEES ACCRUE VACATION ON A PRORATEDBASIS ACCORDING TO EMPLOYEES FTE VACATION ACCRUES FROM YEAR TO YEAR TO A MAXIMUM OF 30 DAYS UPON SEPARATION FROM EMPLOYMENT, EMPLOYEE MAY BE PAIDUNUSED VACATION HOURS UC PAYROLL SYSTEMWILL PAY VACATION BALANCE CALCULATED ON UC BASE SALARY UCP PAYROLL SYSTEM WILL PAY UP TO 120 HOURSOF VACATION CALCULATED ON UCP BASE SALARY, SUBJECT TO RESTRICTIONS SPECIFIED IN EMPLOYMENT AGREEMENT AND DEPARTMENT COMPENSATION PLAN EMPLOYEE MUST FOLLOW DEPARTMENTAL GUIDELINES FOR REQUESTING VACATION TIME OFF FROM WORK
PLAN INFORMATION
OTHER INFORMATION
PLAN ADMINISTRATOR
UNIVERSITY OF CINCINNATI
SICK TIME ACCRUAL
ELIGIBILITY
ALL EMPLOYEES
FULLTIME EXEMPT EMPLOYEES ACCRUE SICK TIME AT THE RATE OF1.25 DAYS/MONTH (15 DAYS/YEAR) PARTTIME EXEMPT EMPLOYEES ACCRUE SICK TIME ON A PRORATED BASIS ACCORDING TO EMPLOYEE FTE SICK TIME ACCRUES FROM YEAR TO YEAR AND IS PAID ACCORDING TO THE FOLLOWING MAXIMUMS UC PAYROLL SYSTEMWILL PAY ALL SICK HOURS, SUBJECT TO MEDICAL NECESSITY UCP PAYROLL SYSTEM WILL PAY UP TO 520 HOURS (13 WEEKS) OFCONSECUTIVE SICK HOURS (LONG TERM DISABILITY ELIMINATION PERIOD) UPON SEPARATION FROM EMPLOYMENT WITH UC, EMPLOYEE WILL NOT BE PAIDFOR ANY UNUSED SICK DAYS IN SOME INSTANCES, EMPLOYEE MAY BE REQUIRED TO COMPLETE LEAVE REQUEST AND CERTIFICATION OF HEALTH CARE PROVIDER DOCUMENTATION
PLAN INFORMATION
OTHER INFORMATION
PLAN ADMINISTRATOR
UNIVERSITY OF CINCINNATI
PAID TIME OFF
PAID PARENTAL LEAVE (PPL)
ALL EMPLOYEES NOT COVERED BY AN INDIVIDUAL EMPLOYMENT AGREEMENT ADDRESSING THIS TOPIC, PROVIDED THEY ARE OTHERWISE BENEFIT ELIGIBLE. EMPLOYEES ARE IMMEDIATELY ELIGIBLE UPON HIRE. PPL MAY BE GRANTED FOR A MAXIMUM PERIOD OF SIX (6) WEEKS FROM THE DATE OF BIRTH OF A CHILD, PLACEMENT OF A NEWLY-ADOPTED CHILD WHO IS 17 YEARS OLD OR YOUNGER, OR INITIATION OF TRAVEL TO SECURE CUSTODY OF A NEWLY-ADOPTED CHILD WHO IS 17 YEARS OR YOUNGER. AN EMPLOYEE ADOPTING A SPOUSE'S OR DOMESTIC PARTNER'S ALREADY -BORN CHILD(REN) MAY NOT USE PPL. PPL MUST BE TAKEN ON A CONTINUOUS BASIS, IT CANNOT BE TAKEN INTERMITTENLY. PPL MAY NOT BE EXTENDED FOR ANY REASON, INCLUDING, BUT NOT LIMITED TO, MULTIPLE BIRTHS, HOLIDAYS, OR WINTER SEASON DAYS. PPL MUST BE TAKEN IN LIEU OF SICK LEAVE, VACATION LEAVE, OR COMP TIME IMMEDIATELY UPON THE DATE OF BIRTH, PLACEMENT, OR INITIATION OF TRAVEL. IF BOTH PARENTS ARE ELIGIBLE EMPLOYEES OF THE UNIVERSITY, THEY MUST TAKE PPL CONSECUTIVELY, NOT CONCURRENTLY. ACCRUED SICK LEAVE, VACATION LEAVE, OR COMP TIME MAY BE USED BEFORE THE DATE OF BIRTH, PLACEMENT, OR INITIATION OF TRAVEL AND/OR AFTER PPL HAS BEEN EXHAUSTED, IN ACCORDANCE WITH APPLICABLE LEAVE AND TIME OFF FROM WORK POLICIES. PPL WILL RUN CONCURRENTLY WITH LEAVE UNDER FMLA WHEN EMPLOYEE IS ELIGIBLE FOR LEAVE. PPL MAY ONLY BE USED TWICE IN ANY ROLLING TWELVE (12)-MONTH PERIOD.
ELIGIBILITY
PLAN INFORMATION
OTHER INFORMATION
PLAN ADMINISTRATOR
UNIVERSITY OF CINCINNATI
Supplemental Benefit 4
LONG TERM DISABILITY
UCP LONG TERM DISABILITY EMPLOYER PAID PREMIUM
ELIGIBILITY
30%+ FTE EMPLOYEES
PLAN PAYS 60% OF EMPLOYEE AVERAGE MONTHLY PRE-DISABILITY EARNINGS* UP TO A MAXIMUM OF: $15,000/MONTH FOR PHYSICIANS -OR- $10,000/MONTH FOR NON-PHYSICIAN PROVIDERSAND STAFF YOU MUST BE DISABLED FOR 90 DAYS BEFORE THE BENEFIT PAYS AS AN ELIGIBLE EMPLOYEE, YOU ARE AUTOMATICALLY ENROLLED IN THIS BENEFIT DISABILITY DEFINED AS SPECIALITY/SUBSPECIALITY *PRE-DISABILITY EARNINGS ARE DEFINED AS AVERAGE MONTHLY EARNINGS FROM “ALL SOURCES OF INCOME” BASED ON YOUR STATEMENT OF WAGES EARNED AND TAXES WITHHELD FOR 1) THE ONE FULL TAX YEAR(S) IMMEDIATELY PRIOR TO THE LAST DAY YOU WERE ACTIVELY AT WORK BEFORE YOU BECOME DISABLED; OR 2) THE TOTAL NUMBER OF CALENDAR MONTHS YOU WORKED FOR THE EMPLOYER AS AN ACTIVE EMPLOYEE, IF LESS THAN THE ABOVE PERIOD.
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
EMPLOYEE PAYS TAX ON THE PREMIUM, MAKING A TAX FREE BENEFIT
PLAN ADMINISTRATOR
THE HARTFORD
UC LONG TERM DISABILITY EMPLOYEE PAID PREMIUM -UC SALARY ONLY
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
60 % INCOME REPLACEMENT AFTER 6 MONTHS -OR- 65% INCOME REPLACEMENT AFTER 4 MONTHS MAXIMUM MONTHLY BENEFIT $4,000 (BASE PLAN) COVERS UC SALARY ONLY DISABILITY AS ANY OCCUPATION
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
DEPENDENT ON ANNUAL SALARY AND AGE
PLAN ADMINISTRATOR
UNUM
SUPPLEMENTAL LONG TERM DISABILITY
INDIVIDUAL DISABILITY INCOME PROTECTION
75%+ FTE EMPLOYEES WITH $125,000 MINIMUM ANNUAL PAY ANNUAL ENROLLMENT ONLY
ELIGIBILITY
PROVIDES COVERAGE BEYOND GROUP LONG-TERM DISABILITY (LTD) COVERAGE TO GIVE YOU MORE INCOME REPLACEMENT EMPLOYEES MAY PURCHASE ADDITIONAL COVERAGE TO A MAXIMUM OF $8,000/MONTH OR 65% INCOME REPLACEMENT, WHICHEVER IS LESS NO MEDICAL EXAMS INDIVIDUAL OWNERSHIP - THIS IS NOT "GROUP" COVERAGE; YOU WILL OWN YOUR POLICY AND WILL HAVE THE ABILITY TO TAKE IT WITH YOU SHOULD YOU LEAVE UC PHYSICIANS
PLAN INFORMATION
EMPLOYEE CONTRIBUTION RATES VARY BASED ON INCOME AND AGE
PLAN ADMINISTRATOR
THE GUARDIAN LIFE INSURANCE COMPANY
FOR MORE INFORMATION ON THE GUARDIAN DISABILITY INSURANCE VISIT: https://www.guardianlife.com/
ACCIDENT & CRITICAL ILLNESS
ACCIDENT INSURANCE
65%+ FTE FACULTY AND STAFF AVAILABLE ONLY DURING ANNUAL OPEN ENROLLMENT
ELIGIBILITY
PLAN PAYS A LUMP SUM BENEFIT FOR OFF-JOB ACCIDENTS BENEFIT AMOUNT RANGES FROM $25 TO $7,500 BASED ON TYPE OF INJURY NO CALENDAR YEAR MAXIMUM, BUT PLAN PAYS ONLY ONE BENEFIT PER ACCIDENT ALLOWS YOU TO USE THE MONEY ANY WAY YOU CHOOSE $50 ANNUAL WELLNESS BENEFIT ONCE PER CALENDAR YEAR PER COVERED INDIVIDUAL* COVERAGE IS PORTABLE - YOU CAN TAKE THE COVERAGE WITH YOU IF YOU TERMINATE YOUR EMPLOYMENT. UNUM WILL BILL YOU DIRECTLY
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
DEPENDENT ON PLAN SELECTION
PLAN ADMINISTRATOR
UNUM
CRITICAL ILLNESS INSURANCE
65%+ FTE FACULTY AND STAFF AVAILABLE ONLY DURING ANNUAL OPEN ENROLLMENT
ELIGIBILITY
PLAN PAYS A LUMP SUM BENEFIT IF EMPLOYEE OR COVERED DEPENDENT IS DIAGNOSED WITH ANY OF THE COVERED CONDITIONS BENEFIT AMOUNT IS $10,000 FOR EMPLOYEES, $5,000 FOR SPOUSE AND $2,500 FOR CHILDREN TO BE USED TO COVER OUT OF POCKET MEDICAL EXPENSES OR WHATEVER YOU CHOOSE COVERAGE FOR SPOUSE IS OPTIONAL WHILE COVERAGE FOR CHILDREN IS AUTOMATIC GUARANTEE ISSUE AVAILABLE WITH NO MEDICAL EXAM OR HEALTH QUESTIONS. EACH COVERED CONDITION IS PAYABLE ONCE PER LIFETIME NO PRE-EXISTING CONDITION LIMITATION (NOTE: DIAGNOSIS MUST OCCUR ON OR AFTER POLICY EFFECTIVE DATE) $50 ANNUAL WELLNESS BENEFIT PAYS ONCE PER CALENDAR YEAR PER COVERED INDIVIDUAL*
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
DEPENDENT ON AGE AND TOBACCO USER STATUS
PLAN ADMINISTRATOR
UNUM
* A COVERED INDIVIDUAL MAY RECEIVE MULTIPLE WELLNESS BENEFITS FOR A COVERED SCREENING TEST IF PARTICIPATING IN BOTH THE ACCIDENT AND CRITICAL ILLNESS PLAN FOR MORE INFORMATION ON UC ACCIDENT & CRITICAL ILLNESS PLANS: https://mailuc.sharepoint.com/sites/HR-Benefits/SitePages/Accident-and-Critical-Illness-Voluntary-Benefit-Plans.aspx
CARE@WORK
BACKUP DAYCARE
ELIGIBILITY
30%+ FTE EMPLOYEES
CARE@WORK BY CARE.COM IS A FAMILY CARE SERVICE THAT CAN HELP YOU FIND CAREGIVERS FOR YOUR WHOLE FAMILY, INCLUDING YOUR CHILD(REN), PARENT(S). GRANDPARENT(S), AND PET(S). SERVICES INCLUDE: SELF SERVICE SEARCH : UNLIMITED ACCESS TO A DATABASE OF PROVIDERSFOR YOUR FAMILY CARE NEEDS INCLUDING CARE FOR AN ELDERLY ADULT, CHILD, HOME, PET, OR TUTORING. SUBSIDIZED BACKUP CARE : LAST-MINUTE CAREGIVER FOR IN-HOME OR IN-CENTER CHILDCARE, OR IN-HOME ADULT CARE. CAREGIVERS IN THE BACKUP CARE PROGRAM HAVE BEEN VETTED AND BACKGROUND CHECKED; THEY INCLUDE NANNY QUALITY CAREGIVERS FOR CHILDREN AND HOME HEALTH AGENCY RESOURCES FOR ADULTS. TUITION DISCOUNT : ENJOY A 10% DISCOUNT ON EARLY CHILDHOOD EDUCATION AT KINDERCARE AND CHILDREN'S CREATIVE LEARNING CENTERS OR BEFORE- AND AFTER-SCHOOL PROGRAMS AT CHAMPIONS.
PLAN INFORMATION
SELF SERVICE SEARCH:
THERE IS NO COST TO FIND CARE PROVIDERS ON THE SELF-SERVICE SITE. ONCE YOU IDENTIFY SOMEONE YOU WOULD LIKE TO HIRE, THE COST OFCARE SHOULD BE DISCUSSED DIRECTLY WITH THE POTENTIAL CAREGIVER.
EMPLOYEE CONTRIBUTION
SUBSIDIZED BACKUP CARE RATES:
IN-HOME CARE PROVIDER: $8/HOUR IN-CENTER CHILDCARE: $15/DAY LIMIT OF 10 DAYS OF SUBSIDIZED BACKUP CARE PER EMPLOYEE PER YEAR.
PLAN ADMINISTRATOR
CARE.COM
ENROLL WITH YOUR UC EMAIL ADDRESS AT: http://ucphysicians.care.com , OR CALL 18557811303
EMPLOYEE SERVICES
EMPLOYEE ASSISTANCE PROGRAM (EAP)
ALL EMPLOYEES AND THEIR FAMILY MEMBERS HAVE ACCESS TO CONFIDENTIAL PROFESSIONAL SUPPORT 24 HOURS A DAY, 365 DAYS A YEAR, FREE OF CHARGE. UC OFFERS EMPLOYEE ASSISTANCE SERVICES THROUGH IMPACT SOLUTIONS. SPEAK WITH AN IMPACT SOLUTIONS PROFESSIONAL FOR GUIDANCE AND SUPPORT RELATED TO: GENERAL DAY-TO-DAY ISSUES STRESS DEPRESSION OR ANXIETY JOB PERFORMANCE DIFFICULTIES ALCOHOL/DRUG ABUSE LEGAL/FINANCIAL MATTERS IDENTITY THEFT RECOVERY ASSISTANCE CHILD/ELDERCARE AND OTHER FAMILY ISSUES PROGRAM INCLUDES UNLIMITED PHONE CONSULTATION AND UP TO 5 COMPLIMENTARY FACE-TO-FACE COUNSELING SESSIONS PER PERSON PER OCCURRENCE. UCP OFFERS EMPLOYEE ASSISTANCE SERVICES THROUGH THE HARTFORD S ABILITY ASSIST PROGRAM. COUNSELING SERVICES INCLUDE:
ELIGIBILITY
IMPACT SOLUTIONS PLAN INFORMATION
CALL 1-800-227-6007 24/7/365
ABILITY ASSIST PLAN INFORMATION
EMOTIONAL AND WORK-LIFE COUNSELING FINANCIAL INFORMATION AND RESOURCES LEGAL SUPPORT AND RESOURCES
THE HARTFORD ALSO OFFERS: HEALTH CHAMPIONS ASSISTANCE WITH HEALTH INSURANCE CLAIMS AND BILLING BENEFICIARY ASSIST COUNSELING SERVICES ESTATEGUIDANCE WILL SERVICES FUNERAL PLANNING ANDCONCIERGE SERVICES IDENTITY THEFT ASSISTANCE
CALL 1-800-96-HELPS (1-800-964-3577) 24/7/365
TUITION REMISSION
TUITION REMISSION PLAN INFORMATION
FULL TIME EMPLOYEE: 65%+ FTE FACULTY AND 75%+ FTE STAFF FULL TIME BENEFITS-ELIGIBLE EMPLOYEES MAY ENROLL IN AN UNLIMITED NUMBER OF CREDIT HOURS PER SEMESTER DEPENDENTS OF FULL-TIME EMPLOYEES MAY ENROLL IN: UNDERGRADUATE CREDIT HOURS UNLIMITED P ER DEPENDENT GRADUATE CREDIT HOUR S UNLIMITED* ELIGIBLE DEPENDENTS INCLUDE: LEGAL SPOUSE SAME OR OPPOSITE SEX DOMESTIC PARTNER UNMARRIED CHILD (BIOLOGICAL, STEP, ADOPTED, OR GUARDIAN) PART TIME EMPLOYEE: < 65% FTE FACULTY AND <75% FTE STAFF UNLIMITED COURSE AUDIT HOURS WILL BE AVAILABLE TO ALL PART TIME EMPLOYEES DEPENDENTS OF PART TIME EMPLOYEES ARE NOT ELIGIBLE FOR EMPLOYEES, INSTRUCTIONAL FEES, GENERAL FEES, CAMPUS LIFE FEES, AND IT FEES ARE COVERED FOR DEPENDENTS, ONLY INSTRUCTIONAL FEESARE COVERED BOOKS AND LAB MATERIALS ARE NOT COVERED FOR DEPENDENTS: TUITION REMISSION BENEFITS ARE NOT AVAILABLE FOR SPECIFIC PROGRAMS IN THE MEDICINE (MD AND MS IN PHYSIOLOGY), AND PHARMACY (PHARMD) UNDERGRADUATE TUITION REMISSION IS PROVIDED AT NO COST TO THE EMPLOYEE. EMPLOYEE GRADUATE TUITION REMISSION IS TAXED IF $5,250 OR MORE. DEPENDENT GRADUATE TUITION REMISSION IS TAXABLE.
ELIGIBILITY
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
PLAN ADMINISTRATOR
UNIVERSITY OF CINCINNATI
Corney & Shepherd Cares provides the best real estate services to the University of Cincinnati employees and their families Corney & Shepherd Cares Corney & Shepherd Cares is a robust, real estate benefits program designed to assist you in selling and buying real estate whether you are relocating or moving locally. You will be assigned a Personal Move Coordinator who will be your advocate throughout the entire process - from start to finish. You will be provided professional guidance throughout the process in addition to being put in touch with outstanding real estate agents, mortgage and title companies, household goods providers, and all of the other service providers involved with buying and selling real estate. Our goal is to provide a smooth, stress-free real estate transaction resulting in an exceptional experience for you and your family ultimately becoming your real estate partner for life. Corney & Shepherd Cares provides: • A Personal Move Coordinator who is your advocate throughout your move • Access to specially-trained real estate professionals • A rebate when you buy or sell real estate through your assigned agent • Competitive mortgage programs • A credit on your mortgage closing costs when using Corney & Shepherd's mortgage company
• Home warranty programs • Household goods assistance
UNIVERSITY OF l(.r' Cincinnati
Contact for more information: Judy Pogue, CRP jpogue@comey.com 513-561-5800
Direct: 513-527-3225 Mobile: 513-256-4721 Toll Free: 800-654-5079
Employee Services 1 5
LEADING REAL ESTATE COMPANIES~ ,<1/.THE WORLD
Employee Services 16
Physician Loan Program
LENDING SOLUTIONS THAT REWARD THE SUCCESSFUL PHYSICIAN WHILE PLANTING THE SEEDS FOR A SECURE FUTURE.
3/1, 5/1, 7/1, 10/1 and 15/1 ARMs Maximum loan amount $2 Million •
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100% LTV allowed for loans sizes up to $750,000
Owner Occupied 1-2 Unit Only
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• Our lenders desire physicians and therefore offer value-add products and terms not offered to any other profession. • With over 25+ different lender relationships, this enables me to match my clients with the lender & program that best fits their short and long-term financial goals. • Simply, we can provide the best of what the market has to offer, finding you a lower rate and lower costs and best yet, the lender pays our compensation . “Zipfel Capital offers an unmatched level of professionalism, communication and expertise. We’ve worked with Tim O’Brien and he has consistently provided better terms than any loan professional we’ve worked with. He represents the best interests of his clients and shops with several different lenders to ensure he finds the best terms.” – Christine Carleton, Principal at Truepoint Wealth Counsel & Tom Carleton, Executive Director at the Leukemia & Lymphoma Society
• Minimum Credit Score 680 for the product, but 700+ for 100% LTV • 50% Max DTI • No Mortgage Insurance. • May qualify based on the Employment Contract. Not restricted to a start date within 30 days of closing.
No AUS Required.
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• Generous student loan debt calculations. • No Subordinate Financing Allowed.
Tim O’Brien Equity Partner, Broker 513-310-7180 NMLS#: 246789 3440 Edwards Road Cincinnati, OH 45208 NMLS#: 60903
Please call for a free financial consultation
FITNESS CENTER AT CARE/CRAWLEY
CAMPUS RECREATION CENTER
2820 BEARCAT WAY CINCINNATI, OH 45221 0017 513 556 0604
3230 EDEN AVENUE CINCINNATI, OH 45267 513 558 0604
UC S CAMPUS RECREATION CENTER (CRC) IS A STATE OF THE ART FITNESS AND RECREATION FACILITY ON ITS UPTOWN WEST CAMPUS. WITH OVER 200,000 SQUARE FEET OF RECREATION SPACE, THE CRC OFFERS UNIVERSITY STUDENTS, EMPLOYEES AND FRIENDS OF THE UNIVERSITY A WIDE RANGE OF EXERCISE AND FITNESS OPPORTUNITIES.
THE FITNESS CENTER (FC) AT CARE/CRAWLEY ON EDEN AVENUE AT THE MEDICAL CAMPUS OFFERS 12,000 SQUARE FEET OF FITNESS AND WELLNESS SPACE. THE FC OFFERS MEMBERSHIP OPTIONS FOR EVERYONE INCLUDING UC STUDENTS AND EMPLOYEES, UNIVERSITY AFFILIATES (E.G., CHILDREN S HOSPITAL) AND COMMUNITY MEMBERS.
SWIMMING
LAP POOL, DIVING BOARDS, LEISURE POOLWITH WHIRLPOOL AND LAZY RIVER
CARDIOVASCULAR MACHINES TREADMILLS RECUMBENT BIKES UPRIGHT BIKES TOTAL BODY ARC TRAINERS ELLIPTICALS CROSS TRAINERS ERGOMETERS STRENGTH TRAINING EQUIPMENT
COURTS/TRACK
6 BADMINTON COURTS 1 SQUASH COURT 6 COURT GYMNASIUM 1/8 MILE WALKING TRACK
FITNESS FLOOR
OVER 200 CARDIOVASCULAR AND SPECIALIZED MACHINES WEIGHT TRAINING MACHINES OVER 21,000 LBS OF FREE WEIGHTS
CYBEX, PARAMOUNT, FREEMOTION, HAMMER OVER 1,400 LBS OF DUMBBELLS
40' CLIMBING WALL, 28' CLIMBING HEIGHTS FITNESS CLASSES
MEMBERSHIP RATES – ANNUAL CONTRACT ANNUAL
MONTHLY
INDIVIDUAL/EMPLOYEE
$440 $200 $120
$36.66 $16.67 $10.00
SPOUSE/DOMESTIC PARTNER
LEGAL DEPENDENTS ONE RATE FOR ALL LEGAL DEPENDENTS AGE 3 -23 UNDER AGE 3 IS FREE)
THE UNIVERSITY OF CINCINNATI BENEFITS DEPARTMENT OFFERS GROUP DISCOUNTS TO ALL UC FACULTY, STAFF AND RETIREES. BELOW ARE SOME OF THE ORGANIZATIONS THAT PARTICIPATE IN THE UC EMPLOYEE DISCOUNT PROGRAM. FOR MORE INFORMATION, CHECK OUT THE SAVINGS CENTER AT: https://mailuc.sharepoint.com/sites/HR-Benefits/SitePages/Employee-Discounts.aspx EMPLOYEE DISCOUNTS
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