2019 BENEFITS SUMMARY
COLLEGE OF MEDICINE DUALLY COMPENSATED EMPLOYEES
CAMPUS RECREATION CENTER 2820 BEARCAT WAY CINCINNATI, OH 45221-0017 513-556-0604 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. SWIMMING • LAP POOL, DIVING BOARDS, LEISURE POOL WITH WHIRLPOOL AND LAZY RIVER 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 CLIMBING WALL – 40’ AND 28’ CLIMBING HEIGHTS FITNESS CLASSES
FITNESS CENTER AT CARE/CRAWLEY 3230 EDEN AVENUE CINCINNATI, OH 45267 513-558-0604
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. CARDIOVASCULAR MACHINES • TREADMILLS • RECUMBENT BIKES • UPRIGHT BIKES • TOTAL BODY ARC TRAINERS • ELLIPTICALS • CROSS TRAINERS • ERGOMETERS STRENGTH TRAINING EQUIPMENT • CYBEX, PARAMOUNT, FREEMOTION, HAMMER • OVER 1,400 LBS OF DUMBBELLS
MEMBERSHIP RATES – ANNUAL CONTRACT ANNUAL
MONTHLY
INDIVIDUAL/EMPLOYEE
$440 $200 $120
$36.66 $16.66 $10.00
SPOUSE/DOMESTIC PARTNER
LEGAL DEPENDENTS • ONE RATE FOR ALL LEGAL DEPENDENTS AGE 3 – 23. • UNDER AGE 3 IS FREE)
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OVERVIEW
OFFERED BY
BENEFIT
RETIREMENT SAVINGS PLANS
MEDICAL INSURANCE
HEALTH SAVINGS ACCOUNT
FLEXIBLE SPENDING ACCOUNT
DENTAL INSURANCE
VISION INSURANCE
PAID TIME OFF: VACATION TIME & SICK TIME
PAID PARENTAL TIME OFF
SHORT TERM DISABILITY
LONG TERM DISABILITY
SUPPLEMENTAL LONG TERM DISABILITY
LIFE INSURANCE
ACCIDENT & CRITICAL ILLNESS INSURANCE
TUITION REMISSION
EMPLOYEE SERVICES & DISCOUNTS
THIS BROCHURE HIGHLIGHTS THE BENEFIT OPTIONS AVAILABLE TO DUALLY COMPENSATED EMPLOYEES OF THE UNIVERSITY OF CINCINNATI AND UNIVERSITY OF CINCINNATI PHYSICIANS AND IN NO WAY SERVES AS THE POLICY, SUMMARY PLAN DESCRIPTION OR PLAN DOCUMENT. IF ANY DISCREPANCIES OR CONFLICTS EXIST BETWEEN THIS BROCHURE AND THE POLICY OR PLAN DOCUMENTS, THE POLICY OR PLAN DOCUMENT SHALL GOVERN. WE RESERVE THE RIGHT TO AMEND, MODIFY OR TERMINATE ANY PROVISIONS, POLICIES OR BENEFIT PLANS IN WHOLE OR IN PART AT ANY TIME WITH OR WITHOUT NOTICE.
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BASIC EMPLOYER CONTRIBUTIONS UC AND UCP OFFER THE FOLLOWING RETIREMENT CONTRIBUTIONS IN LIEU OF CONTRIBUTING TO SOCIAL SECURITY. AS STATE OF OHIO PUBLIC EMPLOYEES, EMPLOYEES WILL NOT CONTRIBUTE TO SOCIAL SECURITY. RETIREMENT SAVINGS
FACULTY OPTION 1: STRS: STATE TEACHERS RETIREMENT SYSTEM* AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES 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* AVAILABLE TO FULL-TIME (100% FTE) EMPLOYEES DEFINED CONTRIBUTION PLAN IMMEDIATE VESTING SCHEDULE UC CONTRIBUTES 9.53% OF EMPLOYEE’S ELIGIBLE PAY EMPLOYEE MANDATORY CONTRIBUTION – 14% STAFF OPTION 1: OPERS: OHIO PUBLIC EMPLOYEE RETIREMENT SYSTEM* AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES VESTING SCHEDULE APPLIES UC CONTRIBUTION: • 11.5% - DEFINED CONTRIBUTION PLAN • 14% - DEFINED BENEFIT PLAN • 12% - COMBINED PLAN EMPLOYEE MANDATORY CONTRIBUTION – 10% OPTION 2: ARP: ALTERNATIVE RETIREMENT PLAN* AVAILABLE TO FULL-TIME (100% FTE) EMPLOYEES DEFINED CONTRIBUTION PLAN IMMEDIATE VESTING SCHEDULE UC CONTRIBUTES 11.56% OF EMPLOYEE’S ELIGIBLE PAY EMPLOYEE MANDATORY CONTRIBUTION – 10%
ALL EMPLOYEES
AVAILABLE TO FULL- TIME AND PART-TIME EMPLOYEES DEFINED CONTRIBUTION PLAN UCP CONTRIBUTES 8.5% COMPENSATION • MAX $23,800 AS PART OF THE TOTAL COMPENSATION PACKAGE, UCP MAY CONTRIBUTE AN ADDITIONAL AMOUNT (NOT TO EXCEED ANNUAL LIMIT OF $56,000) IMMEDIATE VESTING NO EMPLOYEE MANDATORY CONTRIBUTION OF FIRST $280,000 (IRS LIMIT) OF TOTAL UCP
PLAN INFORMATION
ARP AMERIPRISE AXA EQUITABLE FIDELITY QUEEN CITY FINANCIAL HBK WEALTH MANAGEMENT LEGEND GROUP
LINCOLN NATIONWIDE OHIO PUBLIC EMPLOYEES TIAA VALIC VANGUARD VOYA
PLAN ADMINISTRATORS
FIDELITY TIAA
*MUST ELECT UC RETIREMENT OPTION IN FIRST 120 DAYS. ELECTION IS IRREVOCABLE.
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RETIREMENT SAVINGS
EMPLOYEE VOLUNTARY CONTRIBUTIONS
ELIGIBILITY
ALL EMPLOYEES
EMPLOYEES MAY DIRECT ADDITIONAL RETIREMENT SAVINGS CONTRIBUTIONS TO:
403(B) PRE‐TAX CONTRIBUTION, OR ROTH POST‐TAX CONTRIBUTION (UCP ONLY) 457(B) PRE‐TAX CONTRIBUTION
PLAN INFORMATION
TO AVOID THE POSSIBILITY OF EXCEEDING ANNUAL IRS CONTRIBUTION LIMITS, IT IS RECOMMENDED THAT EMPLOYEES MAKE SUPPLEMENTAL CONTRIBUTIONS THROUGH EITHER UC PAYROLL OR UCP PAYROLL (NOT BOTH).
EMPLOYEE DIRECTED UP TO ANNUAL IRS LIMIT OF $19,000. $6,000 CATCH UP CONTRIBUTION AVAILABLE FOR AGE 50 AND OLDER
EMPLOYEE CONTRIBUTION
UCP : FIDELITY OR TIAA UC : 403(B) VARIOUS VENDORS, 457(B) OHIO DEFFERED COMPENSATION
PLAN ADMINISTRATOR
FOR MORE INFORMATION ON WEALTH MANAGEMENT:
FIDELITY INVESTMENTS : 1 (800) 343‐0860 www.netbenefits.com/ucp (MICROSITE) ACCOUNT ADMINISTRATION ‐ MIKE FISCHER, 859‐240‐0939, mike.fischer@fmr.com WEALTH MANAGEMENT CONSULTANT ‐ SCOTT NOELCKE, 513‐379‐4344, scott.noelcke@fmr.com TIAA: 1 (800) 842‐2273 www.tiaa‐cref.org/ucp (MICROSITE) CONTACT – LAURA MAXWELL, 513‐263‐2825 UC RETIREMENT PROVIDERS & INFORMATION: http://www.uc.edu/content/dam/uc/hr/benefits/retirement/arp_vendors.pdf http://www.uc.edu/hr/benefits/retirement‐benefits.html
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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
$400 INDIVIDUAL $800 FAMILY
$800 INDIVIDUAL $1,600 FAMILY
$1,600 INDIVIDUAL $3,200 FAMILY
$3,200/PERSON $6,400 FAMILY
ANNUAL HEALTH SAVINGS ACCOUNT FUNDING (UC)
$325 – $825 EE $650 - $1,650 FAMILY *
$320 – $825 EE $650 - $1,650 FAMILY *
NOT APPLICABLE
NOT APPLICABLE
70% AFTER DEDUCTIBLE
70% AFTER DEDUCTIBLE**
PREVENTATIVE CARE
COVERED 100%**
COVERED 100%**
TIER 1 (GREATEST VALUE): $15 TIER 2 (BRAND): $35 TIER 3 (HIGHER COST BRAND): $50 TIER 4 (SPECIALTY): 25% CO-INS, $250 MAX
85% AFTER DEDUCTIBLE
RETAIL PHARMACY
MAIL ORDER 90 DAY SUPPLY (MANDATORY FOR
TIER 1: $30 TIER 2: $70 TIER 3 : $100
85% AFTER DEDUCTIBLE
MAINTENANCE MEDICATIONS)
RATES VARY BASED ON PLAN SELECTION AND ANNUAL BASE PAY http://www.uc.edu/hr/benefits/healthplans/medical/cost-and-coverage.html
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: http://www.uc.edu/hr/benefits/healthplans/medical.html
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SAVINGS/SPENDING ACCOUNTS
HEALTH SAVINGS ACCOUNT (HSA)
ELIGIBLE ONLY WHEN ENROLLED IN HDHP MEDICAL PLAN 65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY*
EMPLOYEES MAY CONTRIBUTE PRE-TAX DOLLARS TO PAY ELIGIBLE* HEALTH CARE EXPENSES THAT ARE NOT COVERED BY MEDICAL OR DENTAL PLANS HSA BALANCE CARRIES OVER YEAR TO YEAR UC CONTRIBUTION IS BASED ON TOTAL ANNUAL BASE PAY (UC + UCP) MAXIMUM ANNUAL COMBINED EMPLOYER AND EMPLOYEE CONTRIBUTION: $3,500 INDIVIDUAL $7,000 FAMILY $1,000 OVER AGE 55 CATCH UP CONTRIBUTION
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
PLAN ADMINISTRATOR
HEALTH EQUITY BANK– SAVINGS ACCOUNT AND DEBIT CARD
FLEXIBLE SPENDING ACCOUNTS (FSA): HEALTH CARE AND/OR DEPENDENT DAYCARE
EMPLOYEES ENROLLED IN THE HDHP/HSA ARE NOT ELIGIBLE TO CONTRIBUTE TO A HEALTH CARE FSA. EMPLOYEES ARE ELIGIBLE FOR HEALTH CARE FSA ONLY IF ENROLLED IN PPO MEDICAL PLAN OR IF MEDICAL COVERAGE IS WAIVED.
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY*
EMPLOYEES MAY CONTRIBUTE PRE-TAX DOLLARS TO PAY ELIGIBLE* DEPENDENT DAY CARE EXPENSES AND HEALTH CARE EXPENSES THAT ARE NOT COVERED BY MEDICAL OR DENTAL PLANS ANNUAL CONTRIBUTION MUST BE APPLIED TO EXPENSES INCURRED IN SAME PLAN YEAR UNUSED BALANCES MAY BE CLAIMED UNTIL 02/28 OF THE FOLLOWING PLAN YEAR, AFTER WHICH THEY ARE FORFEITED DEPENDENT CARE: EMPLOYEES MAY CONTRIBUTE $250-$5,000 PER CALENDAR YEAR HEALTH CARE: EMPLOYEES MAY CONTRIBUTE $120-$2,400 PER CALENDAR YEAR
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
PLAN ADMINISTRATOR * CERTAIN IRS RESTRICTIONS APPLY
CHARD SNYDER
FOR MORE INFORMATION ON SPENDING/SAVINGS ACCOUNTS: http://www.uc.edu/hr/benefits/fsahsa/hsa.html
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DENTAL INSURANCE
DENTAL PLAN INFORMATION
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
PLAN INFORMATION
BASIC
BASIC ORTHO
HIGH
HIGH ORTHO
$50 PER PERSON $150 FAMILY APPLIES TO ALL SERVICES, EXCEPT DIAGNOSTIC AND PREVENTATIVE $500 PER PERSON, EXCLUDING ORTHODONTIC SERVICES
$25 PER PERSON $75 FAMILY APPLIES TO ALL SERVICES, EXCEPT DIAGNOSTIC AND PREVENTATIVE
$50 PER PERSON $100 FAMILY APPLIES TO ALL SERVICES, EXCEPT DIAGNOSTIC AND PREVENTATIVE $2,000 PER PERSON, EXCLUDING ORTHODONTIC SERVICES
$50 PER PERSON $150 FAMILY APPLIES TO ALL SERVICES
ANNUAL DEDUCTIBLE
$500 PER PERSON
$1,000 PER PERSON
ANNUAL MAXIMUM BENEFIT
80% AFTER DEDUCTIBLE
100% NO DEDUCTIBLE
100% NO DEDUCTIBLE
100% NO DEDUCTIBLE
PREVENTATIVE CARE
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
BASIC RESTORATIVE SERVICES
60% AFTER DEDUCTIBLE
80% AFTER DEDUCTIBLE
60% AFTER DEDUCTIBLE
60% AFTER DEDUCTIBLE
MAJOR SERVICES
50% AFTER DEDUCTIBLE
60% AFTER DEDUCTIBLE
NOT COVERED
NOT COVERED
ORTHODONTIC SERVICES
($1,000 LIFETIME MAX PER PERSON)
($2,000 LIFETIME MAX PER PERSON)
EMPLOYEE CONTRIBUTION
RATES VARY BASED ON COVERAGE SELECTION http://www.uc.edu/hr/benefits/healthplans/dental/costsandcoverage.html
PLAN ADMINISTRATOR
ANTHEM
EXCLUSIONS AND LIMITATIONS : ALL PLANS ARE SUBJECT TO EXCLUSIONS, LIMITATIONS AND PERIODIC UPDATES. ORTHODONTICS ARE FOR DEPENDENT CHILDREN ONLY UNDER AGE 19. FOR DETAILS ABOUT THE PLANS, CONTACT ANTHEM CUSTOMER SERVICE AT 1-877-604-2156
FOR MORE INFORMATION ON DENTAL PLANS: http://www.uc.edu/hr/benefits/healthplans/dental.html
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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 OVER ALLOWANCE; $70 COSTCO FRAME ALLOWANCE INCLUDED IN RX GLASSES CO-PAY INCLUDED IN RX GLASSES CO-PAY INCLUDED IN RX GLASSES CO-PAY $55-$175 CO-PAY
FRAMES (EVERY OTHER CALENDAR YEAR)
UP TO $70
SINGLE VISION BIFOCAL TRIFOCAL STANDARD PROGRESSIVE LENSES
UP TO $30 UP TO $50 UP TO $65 UP TO $50
CONTACT LENS FIT AND EVALUATION
UP TO $60
NOT APPLICABLE
CONTACT LENSES (IN LIEU OF GLASSES)
$60 COPAY
UP TO $105
$3.82 EMPLOYEE ONLY
$8.18 EMPLOYEE + CHILD(REN)
EMPLOYEE CONTRIBUTION
$13.08 EMPLOYEE + FAMILY
$7.64 EMPLOYEE + SPOUSE
PLAN ADMINISTRATOR
VSP
FOR MORE INFORMATION ON VISION BENEFITS: http://www.uc.edu/hr/benefits/healthplans/vision.html
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PAID TIME OFF
VACATION TIME ACCRUAL
ELIGIBILITY
ALL EMPLOYEES
FULL-TIME EXEMPT EMPLOYEES ACCRUE VACATION AT THE RATE OF 1.67 DAYS/MONTH (20 DAYS/YEAR) PART-TIME EXEMPT EMPLOYEES ACCRUE VACATION ON A PRO-RATED BASIS ACCORDING TO EMPLOYEE’S FTE VACATION ACCRUES FROM YEAR TO YEAR TO A MAXIMUM OF 30 DAYS UPON SEPARATION FROM EMPLOYMENT, EMPLOYEE MAY BE PAID UNUSED VACATION HOURS UC PAYROLL SYSTEM WILL PAY VACATION BALANCE CALCULATED ON UC BASE SALARY UCP PAYROLL SYSTEM WILL PAY UP TO 120 HOURS OF 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
FULL-TIME EXEMPT EMPLOYEES ACCRUE SICK TIME AT THE RATE OF 1.25 DAYS/MONTH (15 DAYS/YEAR) PART-TIME EXEMPT EMPLOYEES ACCRUE SICK TIME ON A PRO-RATED BASIS ACCORDING TO EMPLOYEE’S FTE SICK TIME ACCRUES FROM YEAR TO YEAR AND IS PAID ACCORDING TO THE FOLLOWING MAXIMUMS UC PAYROLL SYSTEM WILL PAY ALL SICK HOURS, SUBJECT TO MEDICAL NECESSITY UCP PAYROLL SYSTEM WILL PAY UP TO 520 HOURS (13 WEEKS) OF CONSECUTIVE SICK HOURS (LONG TERM DISABILITY ELIMINATION PERIOD) UPON SEPARATION FROM EMPLOYMENT WITH UC, EMPLOYEE WILL NOT BE PAID FOR 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
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PAID TIME OFF
PARENTAL TIME OFF
UCP CLINICAL PROVIDERS SERVING AS PRIMARY CAREGIVER FOR A NEWLY BORN OR NEWLY ADOPTED CHILD ELIGIBLE CLINICAL PROVIDERS MAY TAKE UP TO TWO WEEKS (80 HOURS) OF PAID PARENTAL TIME OFF WTIHIN THE FIRST 12 WEEKS FOLLOWING THE BIRTH OR ADOPTION OF A CHILD PRIMARY CAREGIVER IS DEFINED AS THE INDIVIDUAL WHO IS RESPONSIBLE FOR PROVIDING AND/OR MANAGING THE CARE OF THE CHILD ELIGIBLE PROVIDERS MUST WORK COOPERATIVELY WITH THEIR DEPARTMENT ADMINISTRATION TO SCHEDULE PARENTAL TIME OFF WITHIN THE 12 WEEK PERIOD
ELIGIBILITY
PLAN INFORMATION
OTHER INFORMATION
PLAN ADMINISTRATOR
UC PHYSICIANS
SHORT TERM DISABILITY
SHORT TERM DISABILITY PLAN INFORMATION
ELIGIBILITY
37.5%+ FTE EMPLOYEES
UCP PROVIDES SHORT TERM DISABILITY INSURANCE TO SUPPLEMENT ACCRUED SICK BANKS PLAN PAYS 70% OF WEEKLY EARNINGS UP TO $4,000/WEEK BENEFIT PROVIDED UP TO 11 WEEKS AFTER A 2 WEEK ELIMINATION PERIOD MUST EXHAUST UC SICK BANK BEFORE BENEFIT WILL PAY
PLAN INFORMATION
EMPLOYEE CONTRIBUTION
EMPLOYEE PAYS TAX ON THE PREMIUM, MAKING A TAX FREE BENEFIT
PLAN ADMINISTRATOR
THE HARTFORD
FOR MORE INFORMATION ON THE HARTFORD VISIT: https://www.thehartford.com
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LONG TERM DISABILITY
UCP LONG TERM DISABILITY EMPLOYER PAID PREMIUM
ELIGIBILITY
37.5%+ 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 PROVIDERS AND 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
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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 LIFE INSURANCE VISIT: https://www.guardianlife.com/
LONG TERM CARE INSURANCE
LONG TERM CARE PLAN INFORMATION
LONG TERM CARE IS THE TYPE OF CARE NEEDED WHEN SOMEONE IS NO LONGER ABLE TO DO THE THINGS TAKEN FOR GRANTED EVERY DAY. IT IS NEEDED WHEN SIMPLE THINGS, SUCH AS GETTING OUT OF BED, EATING, OR EVEN TAKING A SHOWER, BECOME TOO DIFFICULT TO DO ON ONE’S OWN. UC PARTNERS WITH LEGACY SERVICES FOR LONG TERM CARE INSURANCE (LTCI). LEGACY SERVICES IS AN INDEPENDENT BROKER THAT HAS SPECIALIZED IN LTCI SINCE 1999. LTCI IS NOT OFFERED THROUGH PAYROLL DEDUCTION. FOR INFORMATION ON LONG TERM CARE INSURANCE CONTACT: https://main.legacyltci.com/
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LIFE INSURANCE
BASIC LIFE INSURANCE
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
37.5%+ 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 INSURANCE
65%+ FTE FACULTY 75%+ FTE STAFF
ELIGIBILITY
37.5%+ FTE EMPLOYEES
SUPLEMENTAL 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) ADDITIONAL COVERAGE IS AVAILABLE FOR SPOUSE/DOMESTIC PARTNER AND ELIGIBLE DEPENDENT CHILDREN RATES VARY BASED ON AGE AND COVERAGE SELECTION PERSONAL ACCIDENT
$10,000 INCREMENTS UP TO THE LESSER OF FIVE (5) TIMES ANNUAL SALARY OR $1,000,000. ADDITIONAL COVERAGE IS AVAILABLE FOR SPOUSE/DOMESTIC PARTNER AND ELIGIBLE DEPENDENT CHILDREN GUARANTEED ISSUE, IF ELECTED WITHIN 30 DAYS OF ELIGIBILITY DATE, UP TO LIMITS OF:
PLAN INFORMATION
$150,000 EMPLOYEE COVERAGE $25,000 SPOUSAL COVERAGE $10,000 CHILD(REN) COVERAGE
EMPLOYEE CONTRIBUTION
RATES VARY BASED ON AGE AND COVERAGE SELECTION
PLAN ADMINISTRATOR
MINNESOTA LIFE
THE HARTFORD
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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
FOR MORE INFORMATION ON UC ACCIDENT & CRITICAL ILLNESS PLANS: http://www.uc.edu/hr/benefits/insurancedisability/accidentcriticalillness.html * A COVERED INDIVIDUAL MAY RECEIVE MULTIPLE WELLNESS BENEFITS FOR A COVERED SCREENING TEST IF PARTICIPATING IN BOTH THE ACCIDENT AND CRITICAL ILLNESS PLAN
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TUITION REMISSION
TUITION REMISSION PLAN INFORMATION
FULL TIME EMPLOYEE: 65%+ FTE FACULTY AND 75%+ FTE STAFF FULL TIME EMPLOYEES MAY ENROLL IN UP TO 6 UNDERGRADUATE OR GRADUATE HOURS PER SEMESTER. DEPENDENTS OF FULL‐TIME EMPLOYEES MAY ENROLL IN: UNDERGRADUATE CREDIT HOURS – LIFETIME MAXIMUM OF 144 HOURS PER DEPENDENT GRADUATE CREDIT HOURS – 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 PART TIME EMPLOYEES MAY ENROLL IN UP TO 3 UNDERGRADUATE OR GRADUATE HOURS PER SEMESTER. DEPENDENTS OF PART TIME EMPLOYEES ARE NOT ELIGIBILE FOR EMPLOYEES, INSTRUCTIONAL FEES, GENERAL FEES, CAMPUS LIFE FEES, AND IT FEES ARE COVERED FOR DEPENDENTS, ONLY INSTRUCTIONAL FEES ARE COVERED BOOKS AND LAB MATERIALS ARE NOT COVERED FOR DEPENDENTS: TUITION REMISSION BENEFITS ARE NOT AVAILABLE FOR SPECIFIC PROGRAMS IN THE COLLEGES OF LAW (JD), 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
FOR MORE INFORMATION ON TUITION REMISSION VISIT: http://www.uc.edu/hr/benefits/tuition‐remission.html
PUBLIC SERVICE LOAN FORGIVENESS IF YOU ARE EMPLOYED BY A GOVERNMENT OR NOT‐FOR‐PROFIT ORGANIZATION, YOU MAY BE ABLE TO RECEIVE STUDENT LOAN FORGIVENESS. TO QUALIFY YOU MUST WORK FULL‐TIME, HAVE DIRECT LOANS, AND MAKE 120 QUALIFYING PAYMENTS UNDER AN INCOME‐DRIVEN REPAYMENT PLAN. FOR MORE INFORMATION VISIT: https://studentaid.ed.gov/sa/repay‐loans/forgiveness‐cancellation/public‐service
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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
EMOTIONAL AND WORK-LIFE COUNSELING FINANCIAL INFORMATION AND RESOURCES LEGAL SUPPORT AND RESOURCES
ABILITY ASSIST PLAN INFORMATION
THE HARTFORD ALSO OFFERS: HEALTH CHAMPIONS – ASSISTANCE WITH HEALTH INSURANCE CLAIMS AND BILLING BENEFICIARY ASSIST COUNSELING SERVICES ESTATEGUIDANCE WILL SERVICES FUNERAL PLANNING AND CONCIERGE SERVICES IDENTITY THEFT ASSISTANCE
TRAVEL ASSISTANCE SERVICES
TRAVEL ASSISTANCE SERVICES ARE PROVIDED FOR PERSONAL OR BUSINESS TRAVEL, WHEN TRAVELING 100 OR MORE MILES AWAY FROM HOME. COVERAGE IS PROVIDED AT NO COST TO ELIGIBLE EMPLOYEES, AS WELL AS SPOUSES AND ELIGIBLE DEPENDENTS. PRE-TRIP PLANNING: IMMUNIZATION REQUIREMENTS; EXCHANGE RATES; VISA/PASSPORT REQUIREMENTS; EMBASSY AND CONSULAR REFERRALS; SECURITY, CRIME, AND POLITICAL STABILITY ALERTS EMERGENCY ASSISTANCE: MEDICAL REFERRALS; EMERGENCY EVACUATION/TRANSPORT; TELEPHONIC INTERPRETIVE SERVICES; ASSISTANCE REPLACING LOST/STOLEN ITEMS; TRAVEL COMPANION/DEPENDENT ASSISTANCE; RETURN OF MORTAL REMAINS
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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: http://www.uc.edu/hr/benefits/employee-discounts.html EMPLOYEE DISCOUNTS
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Did You Know…
IMPACTontheWeb hasa SavingsCenter? Bills, health care, retirement savings, and taxes all take enough out of our paychecks already. What about everything else? To help you stretch your dollar, IMPACT Solutions provides you and your family a free online tool: the Savings Center . When you login to the Savings Center , you can shop quality namebrands at discounts of 25 to 70percent off regular retail prices! Savings Center features include:
A wide array of discounts from leading name-brand retailers and restaurants A large selection of discount tickets Discounts redeemableonline, through catalogues andselect in-storemerchants The Savings Center is easily accessed at http://bit.ly/2pD0wsZ The link is a pass through link.
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