UIW Employment Benefits
Effective June 1, 2007 – May 31, 2008
ELIGIBLE EMPLOYEES:
All regular full-time employees who work a minimum of 30 hours per week or full-time faculty who teach a course load of at least 75%
ELIGIBLE DEPENDENTS:
- Your legal spouse, or common-law spouse with certificate of common-law marriage.
- Your unmarried children less than 25 years old.
TERM LIFE INSURANCE & ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D):
Provider: Aetna
Life Amount: 1 X Annual Salary
Accidental Death & Dismemberment: 1 X Annual Salary
- This benefit is paid for entirely by the University.
- Eligible employees are insured for a minimum of $20,000, maximum of $250,000.
- All amounts are rounded to the next higher $1,000 if not already a multiple thereof.
LONG TERM DISABILITY INSURANCE:
Provider: Aetna
The University of the Incarnate Word also provides a long term disability plan at no cost to eligible employees. The monthly income benefit equals 60% of your Monthly Wage Base not to exceed a benefit of $10,000 per month, less the sum of benefits from other sources. In no event will the monthly income benefit be less than $100. Upon approval, benefits begin the first day of the month after 90 days of continuous Total Disability. Employees who become disabled during the first 180 days of service with UIW are not eligible for this benefit.
EMPLOYEE ASSISTANCE PLAN – EAP
Provider: Aetna
The Aetna Employee Assistance Program is part of the Aetna Long Term Disability insurance provided by the University of the Incarnate Word to all benefit eligible employees.
Who is Eligible to use this EAP?
All full-time, benefit eligible employees and the employees' household members. If you are a new employee, this benefit is available six months after employment. Employees who were previously covered under The Hartford do not have a waiting period.
Toll Free Employee Services Number: 1-888-AETNA-EAP (1-888-238-6232)
Web Site: www.aetnaeap.com and company ID is: MYUIWEAP
What Services do Employees Get?
- Employees can talk to a Master’s level counselor for help with stress, relationship issues, substance abuse concerns, workplace concerns, domestic issues, etc.
- Employees can access this telephone counseling service 3 times per problem, per year at no charge.
- EAP staff will make appropriate referrals to community resources if needed.
- The EAP website accesses comprehensive information for many issues including mental health concerns, family life and managing stress.
- Conversations are 100% confidential. Information is not shared with the university.
Services Available for Managers:
- Management consultation services to assist managers with workplace issues such as employee work performance, substance abuse and productivity are available through Human Resources.
ADDITIONAL TERM LIFE INSURANCE (Optional Benefit):
Provider: Aetna
Employee Option:
You may purchase additional Term Life Insurance in increments of $10,000 units up to 5 times the amount of your salary. Guarantee issue not to exceed $125,000 or 3 X salary to a maximum of $500,000. Age Reduction at age 65 is 65% of the original benefit; at age 70, 40% of the original benefit and at age 75, 25% of the original benefit. Greater amounts are subject to Evidence of Insurability.
Spouse Option:
You may purchase additional Term Life Insurance in increments of $5,000 units up to 100% of the amount of the employee coverage to a maximum of $150,000. Guarantee issue not to exceed $50,000. Age reduction is the same as the employee (see above). Greater amounts are subject to Evidence of Insurability.
| Age Band | Per $1,000 |
| Under 30 | .06 |
| 30-34 | .08 |
| 35-39 | .10 |
| 40-44 | .14 |
| 45-49 | .24 |
| 50-54 | .39 |
| 55-59 | .67 |
| 60-64 | .99 |
| 65-69 | 1.55 |
| 70-74 | 2.68 |
| 75+ | 6.10 |
Child(ren) Option:
You may purchase Term Life insurance in increments of $2,000 units up to a maximum of $10,000 for each child from age 14 days to 19 years (age 25, if child is a full-time student). There is a $500.00 benefit for live birth to 14 days. All child amounts are guarantee issue.
Monthly Premium:
$.08 per $1,000 unit per child.
REMINDER: Your premium will increase as your age increases into a different age band.
MEDICAL INSURANCE [Optional Benefit/Shared Cost (50/50)]:
- A list of network providers is available at www.Aetna.com by selecting Find a Doctor.
Option #1: Open Access HMO
Provider: Aetna
| Monthly Rates | Employee Contribution |
University Contribution |
| Employee Only | $ 235.49 | $ 235.49 |
| Employee + Spouse | 447.44 | 447.44 |
| Employee + Child(ren) | 382.67 | 382.67 |
| Employee + Family | 558.12 | 558.12 |
A $15 co-pay for each office visit to a primary care physician; $30 co-pay for each office visit to a specialist; $35 Urgent Care co-pay; $75 emergency room visit; $100 co-pay for inpatient hospital; $10/$25/$50 Prescription Drug benefit. Please refer to your benefit booklet for more details.
Option #2: Health Fund Open Access Managed Choice (OAMC) Point of Service (POS). The Health Fund Account offers a $500 per person, $1000 per family benefit allowance to pay for covered medical expenses. Unused portion will carry over to the next calendar year to be used again and to reduce your deductible. Preventive coverage is paid 100% by Aetna; no deductible. Prescription co-pays apply immediately.
Provider: Aetna
| Monthly Rates | Employee Contribution | University Contribution |
| Employee Only | $ 200.29 | $ 200.29 |
| Employee + Spouse | 380.58 | 380.58 |
| Employee + Child(ren) | 325.48 | 325.48 |
| Family | 474.70 | 474.70 |
In-Network:
No co-pay for each office visit to a primary care physician or specialist. Emergency Room, Urgent Care and Inpatient Hospitalization covered 100%; Annual deductible of $1500/3,000 family; $10/$25/$50 Prescription Drug benefit. Please refer to your benefit booklet for more details.
Out-of-Network:
30% co-pay after deductible for each office visit to a primary care physician, specialist, Urgent Care, Emergency Room and Inpatient Hospitalization. Annual deductible of $3,000/6,000 family; $10/$25/$50 Prescription Drug benefit. Please refer to your benefit booklet for more details.
Option #3: 80/60 Open Access Point of Service (POS)
Provider: Aetna
| Monthly Rates | Employee Contribution | University Contribution |
| Employee Only | $ 201.24 | $ 201.24 |
| Employee + Spouse | 382.46 | 382.46 |
| Employee + Child(ren) | 327.10 | 327.10 |
| Family | 477.07 | 477.07 |
In-Network:
$25 co-pay for each office visit to a primary care physician; $40 co-pay for each office visit to a specialist; $150 Emergency Room co-pay; $50 Urgent Care co-pay; Inpatient Hospitalization is $250 per day for first 3 days, then 100% covered; annual deductible of $500/1,500 family; $10/$25/$50 Prescription Drug benefit. Please refer to your benefit booklet for more details.
Out-of-Network:
40% co-pay after deductible for each office visit to a primary care physician and specialist; 40% Urgent Care co-pay; $150 Emergency Room co-pay; 40% Inpatient Hospitalization co-pay; annual deductible of $1,000/3,000 family; $10/$25/$50 Prescription Drug benefit. Please refer to your benefit booklet for more details.
Option #4: 70/50 Open Access Point of Service (POS)
Provider: Aetna
| Monthly Rates | Employee Contribution | University Contribution |
| Employee Only | $ 171.10 | $ 171.10 |
| Employee + Spouse | 325.09 | 325.09 |
| Employee + Child(ren) | 274.76 | 272.76 |
| Family | 405.50 | 405.50 |
In-Network:
$25 co-pay for each office visit to a primary care physician; $45 co-pay for each office visit to a specialist; $150 Emergency Room co-pay; $50 Urgent Care co-pay; Inpatient Hospitalization is $250 per day for first 5 days, then 100% covered after deductible; annual deductible of $1500/3000 family; $10/$25/$50 Prescription Drug benefit. Please refer to your benefit booklet for more details.
Out-of-Network:
50% co-pay for each office visit to a primary care physician and specialist; 50% Urgent Care co-pay; $150 Emergency Room co-pay; 50% Inpatient Hospitalization co-pay; annual deductible of $4,500/9,000 family; $10/$25/$50 Prescription Drug benefit. Please refer to your benefit booklet for more details.
DENTAL INSURANCE - Shared Cost (50/50)
Freedom of Choice & Dental Maintenance Organization
FOC-PDN-: Participating preferred dental network available.
FOC-DMO: Primary dentist selection required.
A list of in-network providers is available at www.Aetna.com by selecting Find a Doctor.
Provider: Aetna
| Monthly Rates | Employee Contribution | University Contribution |
| Employee only | $ 11.41 | $ 11.41 |
| Employee + Spouse | 24.15 | 24.15 |
| Employee + Child(ren) | 25.65 | 25.65 |
| Family | 38.68 | 38.68 |
Freedom of Choice –PDN-Participating Dentist: Any dentist; $50 deductible, $1000 annual maximum. Preventive services are covered at 100%, Basic services are covered at 80%, and major services are covered at 50%; Orthodontics for dependent children age 20 and under; covered at 50% to a lifetime maximum of $1,000.
Freedom of Choice -DMO- Dental Maintenance: Dentist from Aetna list; no deductible, no annual maximum. Preventive services are covered at 100%, Basic services are covered at 90%, and major services are covered at 60%. No maximum for Orthodontic Services for adults and children, $2400 co-pay.
VISION INSURANCE [Optional Benefit/Shared Cost (50/50)]:
Provider: VSP - Vision Service Plan
| Monthly Rates | Employee Contribution |
University Contribution |
| Employee only | $5.24 | $5.24 |
| Family | 11.26 | 11.26 |
In-Network:
The vision examination, lenses, and medically necessary contact lenses are 100% covered by VSP within certain guidelines with a $35 co-payment ($10 Exam, $25 Materials). Elective contact lenses are given a $135.00 allowance.
Out-of-Network:
The exam will be given an allowance of $45.00, single vision lenses at $45.00, bifocals at $65.00, trifocals at $85.00, frames at $47. Elective contact lenses are given a $105 allowance.
You may elect glasses or contact lenses once during a 12-month period, but not both within the same 12-month period. A list of in-network providers is available at www.vsp.com., Participating Doctors.
RETIREMENT HEALTH SOLUTIONS
Provider: EMERITI
You are a participant in the Emeriti Retiree Health Plan for the University of the Incarnate Word. Under the Plan, your spouse, dependent children, and dependent relatives--as defined by IRS guidelines—may also be eligible to receive benefits while you are receiving benefits and may continue to do so after you die.
Your Employer’s Contributions
Effective January 1, 2007, the University will begin to make contributions for you when you reach age 40 with one year of service. The University will cease making its contributions on the earliest of the following: the date the University has made 25 years of contributions to your account, the date you cease employment at the University, or at your death. The amount of the contribution will be determined by the
University.
Your Ability to Make Employee Contributions
Beginning on January 1, 2007, you can begin to make voluntary contributions to the Plan on a flat dollar basis each payroll period if you are age 21 or older with one year of service. The amount will be determined by you, and currently there are no limits on the amount you can contribute. Your contributions will be made on an after-tax basis, but all contributions and earnings will accumulate and be paid out tax free for your entire health insurance and other qualified medial expenses.
Your Eligibility for Emeriti Benefits
You will be eligible for the Emeriti Health Insurance Plan Options and the Emeriti Reimbursement Benefit if you satisfy the criteria for Retirement Eligibility under the Plan. You have met these criteria if you have attained age 55 while employed by UIW with at least 10 years of continuous service, or age 65 with five years of service for late hires. You also satisfy Retirement Eligibility if you become permanently disabled during active service and receive a disability determination letter from Social Security.
SECTION 125 PLAN (Optional Benefit):
Provider: SBS - Southwest Business Systems
Section 125 of the Internal Revenue Code allows a participating employee to tax shelter their medical, dental and/or vision premiums. The Section 125 plan also offers employees the opportunity to elect a medical and/or dependent care flexible spending account(s). SBS offers a Flex Convenience Card that will allow employees who participate in a flexible spending account to directly pay for eligible expenses at the point of service with a debit card. Additional paperwork is required in order for employees to receive a Flex Convenience Card.
OPTIONAL INSURANCE PROGRAMS
These programs are not paid for by the University but offered as supplemental insurance for employees who desire additional programs or coverage.
Provider: AFLAC
AFLAC offers supplemental health coverage to all eligible employees. They offer a cancer supplement, accident supplement, hospital supplement, critical illness supplement, short term disability and life insurance.
RETIREMENT PLAN (Optional Benefit):
Provider: Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF)
A regular full-time employee who has worked one year, full-time in a “teaching institution”, may participate in the Retirement Annuity (matched retirement) plan at any time. The employee is required to contribute 3% of their annual salary and the University will match the contribution with 7%. These contributions are pre-tax. There is a one year wait to participate in the matched retirement if the required one year of service has not been met.
Employees may participate in the Tax Deferred Annuity - Group Supplemental Insurance Annuity at any time and in addition to the matched retirement plan. The GSRA is employee contribution only and has a loan feature which allows an employee to borrow from their contributions upon meeting TIAA-CREF requirements. These contributions are pre-tax.
TUITION WAIVER PLAN:
This plan is described in the University Faculty Handbook and the Administrator/Staff Guidelines.
SOCIAL SECURITY
The following link provides easy access to retirement planners, online retirement and disability applications and FAQ’s – Frequently Asked Questions:
WORKER'S COMPENSATION
All employees are covered for work related injuries or illnesses under our plan with Hartford
UNEMPLOYMENT INSURANCE
All eligible employees are covered for unemployment benefit insurance.
HOLIDAYS:
- Martin Luther King Day
- Good Friday
- Battle of Flowers, 1/2 day
- Memorial Day
- Independence Day
- Labor Day
- Thanksgiving Day
- Friday after Thanksgiving Day
- Christmas Eve to New Year's Day, inclusive (December 24 - January 1)
VACATION AND SICK LEAVE
Please see the University Faculty Handbook or Administrator/Staff Guidelines for specific details. The policy was amended effective January 1, 2006. New employees may not take vacation during the first 6 months of employment.
