2020 EMPLOYEE BENEFITS GUIDE - UNIVERSITY OF NEW ENGLAND
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
2020
EMPLOYEE BENEFITS GUIDE
UNIVERSITY OF NEW ENGLAND
TABLE OF CONTENTS
About Your Benefits.............. 3
Welcome to Your 2020 UNE
Benefits Package
Medical Benefits................... 4
Vision Benefits...................... 8 UNE is committed to providing a competitive and
comprehensive benefits package that provides you
Dental Benefits..................... 9 with several options, enabling you to select the benefits
that are best suited for you and your family. The
benefits package is designed to help you stay well, both
Flexible Spending
physically and financially, and provide support and
Accounts.............................. 11 financial protection if the need arises.
Disability Insurance............ 12 The benefits package includes group Medical, Dental,
Vision, Life, and Disability insurance coverage. Health
Life and Accidental Death & Savings Account funds, Tax-advantaged Flexible
Dismemberment Spending Accounts, and a 403(b) Retirement Plan are
Insurance............................. 13 also offered.
Wellness Program............... 14 UNE provides a Wellness Program to all benefits-
eligible employees, offering opportunities for
Health Advocate.................. 15 employees to learn, practice, and be rewarded for
healthy habits. You also have access to Health Advocate,
a free and confidential service designed to help you
Employee Assistance
navigate insurance issues.
Program............................... 16
In an effort to support your personal circumstances,
403(b) Retirement a variety of voluntary insurance products are offered
Plan...................................... 16 through payroll deductions. Details on each of these
programs are outlined within this guide.
Higher Education
Benefits................................ 17
Paid Time Off....................... 18
Additional Benefits.............. 19
Important
Contacts................. Back cover For additional information please contact your Human
Resources Department at (207) 602-2394.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 2
ABOUT YOUR BENEFITS
Eligibility Information COBRA: Continuing Coverage After
Termination
Benefits-eligible employees may elect Medical
(with the associated vision) and/or Dental insurance Under most circumstances, you and your dependents
coverage for yourself and your eligible dependents. may continue to participate in select benefit plans
If you are a full time benefits-eligible employee through COBRA Insurance after you terminate
you will automatically be enrolled in UNE’s Basic employment. You will be advised of your COBRA
Life, AD&D, and Long Term Disability policies. rights if you experience a COBRA qualifying event. For
All benefit-eligible employees have the option more information contact Group Dynamic at
to purchase Supplemental Life and Short Term 207-781-8800.
Disability. Children can be covered as dependents
on your Medical, Dental and Vision plans until age
26 regardless of student status.
Section 125 Plan Benefit
A Section 125 Plan is an IRS-regulated benefit
When Coverage Begins and Ends that allows an employee to make certain benefit
contributions on a pre-tax, rather than an after-tax,
Coverage for eligible new hires begins on the first basis. Such plans permit Medical, Dental, Vision, and
of the month following the date of hire. If you enroll FSA contributions by employees to be deducted from
in benefits during UNE’s Open Enrollment period, earnings before taxes are calculated. Employees
coverage will begin on January 1st. Coverage for who are eligible and participate in UNE’s plans will
Medical, Dental, and Vision benefits end on the automatically receive this benefit.
last day of the month following termination from
UNE. All other benefits end on your last day of
employment.
Making Changes During the Year
Generally, you can only change your benefit
elections during the Open Enrollment period,
unless you experience a qualified life event such as
marriage, divorce, birth or adoption, or a change
in your or your spouse’s employment status that
affects benefits eligibility. You must notify HR
within 30 days of a qualified life event.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 3
MEDICAL BENEFITS
Think Healthy. Live Well. There’s nothing more valuable than your good health! UNE
offers a choice of medical plans that are designed to help you and your family stay
healthy and to provide comprehensive coverage when you need it.
Harvard Pilgrim Medical Plans
UNE offers a choice of three medical plans through
Harvard Pilgrim Health Care. If you are enrolled
in the medical plan, vision will be provided by
Guardian.
More information about Harvard Pilgrim, including Basic
a list of participating providers, may be obtained
by visiting the Harvard Pilgrim webpage (www. 80% coinsurance, $500 individual/$1,000 family
HarvardPilgrim.org). deductible. Under this plan, office visits require you to
pay a $25 co-payment when you see your in-network
Primary Care Physician or $50 for an in-network
Specialist. Some provider services may be subject to
Highlights of the Harvard Pilgrim medical plans a plan deductible. Prescription drugs require a co-
include: payment. One co-payment is required when you obtain
a 30-day supply of prescription drugs. Two co-payments
• In-Network Preventive Care services covered are required for 31 to 90 day supply for both retail
100% and mail order prescription drugs. The co-payment for
• No requirements of referrals for specialist care prescriptions is $15 for generic drugs, $30 for preferred
• Access to a Harvard Pilgrim Customer Service name brand drugs, and $50 for non-preferred name
Representative via toll free number brand drugs.
• Online access to view your personal claim
history, account transactions, plan coverage, Enhanced
claim forms, and more
• Cost and quality provider directory to help you
100% coinsurance, $500 individual/$1,000 family
compare doctors and medical procedures to
deductible. Under this plan, office visits require you to
control your health care spending
pay a $20 co-payment when you see your in-network
• Emergency and Urgent Care when you need it
Primary Care Physician or $40 for an in-network
anywhere worldwide
Specialist. Some provider services may be subject to
• 24-hour online urgent care through your plan
a plan deductible. Prescription drugs require a co-
with copay
payment. One co-payment is required when you obtain
a 30-day supply of prescription drugs. Two co-payments
are required for 31 to 90 day supply for both retail
and mail order prescription drugs. The co-payment for
prescriptions is $10 for generic drugs, $20 for preferred
name brand drugs, and $35 for non-preferred name
brand drugs.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 4
High Deductible Health Plan with Health Savings
BENEFITWALLET
Account (HSA)
BenefitWallet, Harvard Pilgrim’s HSA
90% in-network, 70% out-of-network coinsurance; administrator for the last 10+ years,
$2,800/$5,600 deductible. Under this plan, all covered brings deep experience, reliability and
medical and prescription drug expenses accumulate toward market-leading capabilities to its plan
the deductible. Specified preventive prescription drugs are services. Having worked with 30,000
covered in full. employer groups and currently serving 1.5
million members today, the company can
The High Deductible Health Plan associated with a Health provide UNE employees with an efficient,
Savings Account (HSA) gives you the freedom to select any predictable and fully-integrated experience.
licensed provider when you need one. For eligible employees
in 2020, UNE will provide you with up to two $1,300
contributions to your HSA, one in January and one in July, to
help offset your medical costs.
In addition to the deposit made by UNE associated with your
health coverage, you can also contribute your own pre-tax
funds into this plan, and you can change your contribution
amount at any time during the year. Under IRS rules, the
maximum that can be deposited into your HSA in 2020 is
$3,550 if you have employee only coverage or $7,100 if you
have family coverage. Employees who are at least 55 years
of age at any point in 2020 can deposit an additional $1,000.
These totals include money from all sources, which means
the deposits UNE makes to your account accumulate toward
the maximums.
The many benefits to maintaining a Health Savings Account
include:
• Control − You can use the HSA to pay for any qualified
medical expenses.
• Flexibility − Your HSA dollars can pay for items
identified under your health insurance plan, but also HSA AUTOMATIC ACCOUNT OPENING
can encompass a broader definition as defined by the
IRS which includes dental, vision, orthodontia, and If you elect the qualified High Deductible
more. Health Plan (HDHP)/Health Savings Account
• Portability − You can take your HSA funds with you; (HSA) option through UNE’s Internal
the account belongs to you. Revenue Code Section 125 Cafeteria Plan,
• Tax Savings − Your contributions to the HSA are made UNE will provide BenefitWallet (BW) with
with pre-tax dollars. data and information requested by BW and
• Not Subject to “Use-it-or-lose-it” − Balances roll reasonably needed by BW in order to open
from year to year, so you don’t need a crystal ball to your BW HSA, including accepting the BW
forecast medical expenses in the next year. HSA terms and conditions and rate and
fee schedule on your behalf and agreeing
to receive account statements and other
account documents electronically.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 5
Medical Plans At-a-Glance
Basic Enhanced HDHP with HSA
Out-of- Out-of- Out-of-
Coverage In-Network In-Network In-Network
Network Network Network
Annual Deductible $500 Individual $500 Individual $2,800 Individual
$1,000 Family $1,000 Family $5,600 Family
Annual Out-of- $3,500 Individual $3,000 Individual $3,000 Individual $6,000
Pocket Maximum $7,000 Family $6,000 Family $6,000 Family Individual
$12,000 Family
Lifetime Maximum Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Preventive Services No Charge Deductible No Charge Deductible No Charge Deductible
then 40% then 20% then 30%
Routine No Charge Deductible No Charge Deductible No Charge Deductible
Mammograms then 40% then 20% then 30%
Primary Care Visit $25 Copay Deductible $20 Copay Deductible Deductible then Deductible
then 40% then 20% 10% then 30%
Specialist Visit $50 Copay Deductible $40 Copay Deductible Deductible then Deductible
then 40% then 20% 10% then 30%
Chiropractic $25 Copay Deductible $20 Copay Deductible Deductible then Deductible
Services then 40% then 20% 10% then 30%
Outpatient Services Deductible then Deductible Deductible Deductible Deductible then Deductible
(Diagnostic/X-ray/ 20% then 40% only then 20% 10% then 30%
Lab Services)
Outpatient Deductible then Deductible Deductible Deductible Deductible then Deductible
Complex Services 20% then 40% only then 20% 10% then 30%
(MRI, CAT, PET
Scans, etc.)
Inpatient Hospital Deductible then Deductible Deductible Deductible Deductible then Deductible
Services 20% then 40% only then 20% 10% then 30%
Outpatient Surgery Deductible then Deductible Deductible Deductible Deductible then Deductible
20% then 40% only then 20% 10% then 30%
Emergency Room $150 then $150 then $100 then $100 then Deductible then Deductible
(waived if admitted) deductible deductible deductible deductible 10% then 10%
Outpatient Mental $25 Copay Deductible $20 Copay Deductible Deductible then Deductible
Health Benefits then 40% then 20% 10% then 30%
Inpatient Mental Deductible then Deductible Deductible Deductible Deductible then Deductible
Health Benefits 20% then 40% only then 20% 10% then 30%
Pharmacy Benefit Retail Retail Retail Retail Retail / Mail Not Covered
$15/$30/$50 $15/$30/$50 $10/$20/$35 $10/$20/$35 Order
Mail Order Mail Order Mail Order Mail Order Preventive Drugs
$30/$60/$100 $30/$60/$100 $20/$40/$70 $20/$40/$70 No Charge
All other drugs
deductible then
covered in full
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 6
Monthly Medical Plan Premium Contributions
Monthly Cost for 12 Month Faculty/Professional Staff
Full Time 12 Month Paid Half Time 12 Month Paid
HDHP w/ HDHP w/
Basic Enhanced Basic Enhanced
HSA HSA
Single Person Coverage $87.99 $221.91 $62.46 $131.23 $491.58 $98.90
One parent & Child/ren $220.21 $376.40 $154.52 $664.02 $897.16 $531.71
Coverage
Two Adult Coverage $389.28 $602.90 $301.43 $925.36 $1,211.85 $756.07
Family Coverage $398.18 $676.82 $322.28 $1,020.60 $1,360.03 $850.65
Monthly Cost for 11 Month Faculty/Professional Staff
Full Time 11 Month Paid Half Time 11 Month Paid
HDHP w/ HDHP w/
Basic Enhanced Basic Enhanced
HSA HSA
Single Person Coverage $95.99 $242.08 $68.14 $143.16 $536.27 $107.89
One parent & Child/ren $240.23 $410.62 $168.57 $724.39 $978.72 $580.05
Coverage
Two Adult Coverage $424.67 $657.71 $328.83 $1,009.48 $1,322.02 $824.80
Family Coverage $434.38 $738.35 $351.58 $1,113.38 $1,483.67 $927.98
Monthly Cost for 10 Month Faculty/Professional Staff
Full Time 10 Month Paid Half Time 10 Month Paid
HDHP w/ HDHP w/
Basic Enhanced Basic Enhanced
HSA HSA
Single Person Coverage $105.59 $266.29 $74.95 $157.48 $589.90 $118.68
One parent & Child/ren $264.25 $451.68 $185.42 $796.82 $1,076.59 $638.05
Coverage
Two Adult Coverage $467.14 $723.48 $361.72 $1,110.43 $1,454.22 $907.28
Family Coverage $477.82 $812.18 $386.74 $1,224.72 $1,632.04 $1,020.78
Monthly Cost for 9 Month Faculty/Professional Staff
Full Time 9 Month Paid Half Time 9 Month Paid
HDHP w/ HDHP w/
Basic Enhanced Basic Enhanced
HSA HSA
Single Person Coverage $117.32 $295.88 $83.28 $174.97 $655.44 $131.87
One parent & Child/ren $293.61 $501.87 $206.03 $885.36 $1,196.21 $708.95
Coverage
Two Adult Coverage $519.04 $803.87 $401.91 $1,233.81 $1,615.80 $1,008.09
Family Coverage $530.91 $902.43 $429.71 $1,360.80 $1,813.37 $1,134.20
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 7
VISION BENEFITS
If you elect medical coverage, vision benefits are provided to you through Guardian
Insurance Company.
The VSP Full Feature Plan provides care for a routine eye exam annually including but not limited to eye
health examination, dilation, refraction and hardware coverage for lenses, frames or contacts. The Basic
and Enhanced In-Network Plans and the HSA Plan include medical eye care coverage only for treatment
of eye conditions. Go to www.guardiananytime.com and search for a provider in the Guardian network.
VSP Full Feature Plan
Coverage
In-Network (Copay) Out of Network (Before Copay)
Exam Copay
$25 $39 max
Exam Allowance
(one per frequency, Calendar Year
no age limit)
Base Lenses: (Every other calendar year)
Single Vision
$25 $23 max
Allowance
Bifocal Allowance $25 $37 max
Trifocal Allowance $25 $49 max
Lenticular $25 $64 max
Frame Retail
Allowance (every $130 retail max + 20% off balance $46 max
other year)
Contact Lenses Benefits (In lieu of eyeglass lenses and/or frames
Medically Necessary $25 $210 max
Elective Materials $130 max (copay waived) $100 max (copay waived)
Elective Fitting and Included in the Contact Lens Allowance.
Included in the Contact Lens Allowance.
Evaluation 15% discount on fee.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 8
DENTAL BENEFITS
You have the ability to purchase dental insurance benefits on a pre-tax basis. UNE
provides the option to choose between two dental plans through Northeast Delta
Dental so that you can elect a plan that works best for you and your family.
More information about Delta Dental, including a list of participating providers, may be obtained by
visiting the Delta Dental webpage (www.nedelta.com).
Northeast Delta Dental Basic Northeast Delta Dental
Option* Enhanced Option*
Annual Deductible $25 / $75 Deductible Per Person/ $25 / $75 Deductible Per Person/
Family Per Calendar Year Family Per Calendar Year
Deductible applies to Basic Deductible applies to Basic
Restorative and Major Restorative Restorative and Major Restorative
Services Services
Annual Benefit Maximum $1,000 Calendar Year Maximum $1,500 Calendar Year Maximum
Diagnostic & Prevention Deductible Waived Deductible Waived
Services Plan pays 80% Plan pays 100%
Basic Restorative Services Deductible then plan pays 50% Deductible then plan pays 80%
Major Restorative Services Deductible then plan pays 50% Deductible then plan pays 50%
* The cost share for these services is based on your use of a Delta Dental participating provider. If you visit a non-
participating dentist, you may be required to submit your own claim and pay for services at the time they are provided.
Payment to non-participating dentists will be limited to the lesser of the dentist’s actual submitted charge or Delta Dental’s
allowance for non-participating dentists in the geographic area in which services are provided.
Monthly Dental Plan Contributions
Monthly Dental Cost for 12 Month Faculty/Professional Staff
Full Time 12 Month Paid Half Time 12 Month Paid
Northeast Delta Northeast Delta Northeast Delta
Northeast Delta
Dental Enhanced Dental Basic Dental Enhanced
Dental Basic Option
Option Option Option
Single Person Coverage $4.70 $19.14 $16.32 $30.76
One parent & Child/ren $28.54 $54.06 $40.16 $65.70
Coverage
Two Adult Coverage $46.92 $81.00 $58.56 $92.62
Family Coverage $56.42 $97.30 $64.66 $108.94
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 9
Monthly Dental Cost for 11 Month Faculty/Professional Staff
Full Time 11 Month Paid Half Time 11 Month Paid
Northeast Delta Northeast Delta Northeast Delta
Northeast Delta
Dental Enhanced Dental Basic Dental Enhanced
Dental Basic Option
Option Option Option
Single Person Coverage $5.12 $20.90 $17.82 $33.56
One parent & Child/ren $31.16 $59.02 $43.82 $71.70
Coverage
Two Adult Coverage $51.22 $88.34 $63.86 $101.04
Family Coverage $61.54 $106.16 $70.52 $118.82
Monthly Dental Cost for 10 Month Faculty/Professional Staff
Full Time 10 Month Paid Half Time 10 Month Paid
Northeast Delta Northeast Delta Northeast Delta
Northeast Delta
Dental Enhanced Dental Basic Dental Enhanced
Dental Basic Option
Option Option Option
Single Person Coverage $5.64 $22.94 $19.60 $36.90
One parent & Child/ren $34.24 $64.90 $48.16 $78.84
Coverage
Two Adult Coverage $56.32 $97.20 $70.24 $111.14
Family Coverage $67.68 $116.78 $77.60 $130.72
Monthly Dental Cost for 9 Month Faculty/Professional Staff
Full Time 9 Month Paid Half Time 9 Month Paid
Northeast Delta Northeast Delta Northeast Delta
Northeast Delta
Dental Enhanced Dental Basic Dental Enhanced
Dental Basic Option
Option Option Option
Single Person Coverage $6.22 $25.48 $21.76 $41.00
One parent & Child/ren $38.08 $72.12 $53.54 $87.60
Coverage
Two Adult Coverage $62.58 $108.04 $78.08 $123.50
Family Coverage $75.20 $129.72 $86.18 $145.22
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 10FLEXIBLE SPENDING ACCOUNTS (FSAs)
A Smart Way to Save. With a Flexible Spending Account (FSA), you can set aside pre-
tax dollars through payroll deductions to pay for certain health care and dependent
care expenses. Plus, you can reduce your tax obligations.
Lower Your Taxes with FSAs FSA Decision Guidelines
Each year during Open Enrollment, benefits- Before participating in an FSA, ask yourself
eligible employees have the option of enrolling in questions such as:
one or both of the following:
• How much were my out-of-pocket health care
• Health Care FSA – You can contribute and dependent care expenses last year?
between $250 - $2,700 per year to pay for • Do I expect to pay for some health care costs
eligible out-of-pocket health care expenses. that are not totally covered by my benefits?
• Dependent Care FSA – You can contribute
between $250 - $5,000 per year to pay Please note that you cannot elect a medical FSA if
for eligible out-of-pocket dependent care you are on the medical HDHP/HSA plan.
expenses.
End result: You pay less tax on a smaller amount of
income and get to keep more take-home pay! “GRACE PERIOD”
How FSAs Work Regulations allow employers who sponsor
FSA’s the opportunity to add an extension of
Your contributions will be deducted from your time at the end of the plan year during which
paychecks in equal amounts during the plan year. employees may incur eligible expenses and
be reimbursed from their FSA funds. This
As you pay for eligible expenses out of your own extension of time is called a “grace period.” The
pocket, you are reimbursed from your account(s). University of New England has chosen to add
a 2.5 month “grace period” to the 2020 plan
Money can’t be transferred between accounts for year.
expense reimbursements.
The “grace period” allows you the opportunity
You can’t stop or change your FSA contributions to spend your 2020 Medical/Dependent Care
during the plan year unless you have a qualified Flexible Spending Account funds up until
life event. You must re-enroll in any FSA each year March 15, 2021. You have until May 30, 2021
during the annual Open Enrollment period. Per to submit any claims incurred during the plan
IRS Regulations, funds not spent by the end of the year or during the “grace period.”
grace period will be forfeited.
If you terminate employment at UNE during
For more detailed information about eligible 2020, you have until May 30, 2021 to submit
expenses, please check the Flexible Spending for reimbursement. You may only submit
Account website at www.groupdynamic.com or for expenses incurred up through your
call the number listed on back cover. termination date (unless you elect COBRA for
your FSA).
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 11DISABILITY INSURANCE
Disability insurance can provide a sense of security, knowing that if the unexpected
should happen, you can still provide for yourself and your family.
The Standard is UNE’s Life and Disability carrier. Short Term Disability (STD) Insurance
The Standard offers employees the ability to file a
claim with one phone call. Short Term Disability provides income when
benefits-eligible employees are absent from
Long Term Disability (LTD) Insurance work due to a non-occupational illness, injury,
or pregnancy related disability. When disabled,
Full time benefits-eligible employees will be benefits typically begin following a 14-day
automatically enrolled in Long Term Disability on elimination period. The STD benefit replaces a
the first day of the month following their date of portion of your weekly income, providing funds
hire. directly to you. The premium cost for this benefit
is paid by the employee on a post-tax basis. In the
This benefit assures eligible employees 50% of event of disability, you will not be taxed on any STD
their income ($7,500/month maximum) in the benefit payments.
event that they are disabled for more than 180
days up to the normal Social Security retirement STD coverage is available in $50 increments up to a
age based upon the Benefit Table in the Long Term maximum of 70% of your predictable earnings, with
Disability Summary Plan Document. a maximum weekly benefit of $750. The maximum
benefit period is 180 days.
The premium cost for this benefit is paid by the
employee on a post-tax basis. However, UNE Short Term Disability rates are calculated based on
provides the employee with income to cover this age in increments of 5 years. The bracket is based on
premium cost. Therefore, UNE actually provides your age as of January 1 each plan year. If you have
this coverage to full time employees at virtually no entered into a new age bracket due to a birthday,
cost. In the event of disability, you will not be taxed your premiums will automatically increase.
on any LTD benefit payments.
Employee’s Age as of Monthly Cost per $10 of
1/1/20: benefit:
Under 30 $0.533
30-34 $0.533
35-39 $0.533
40-44 $0.533
45-49 $0.504
50-54 $0.582
55-59 $0.698
60-64 $0.843
65-69 $0.989
70+ $1.290
IMPORTANT: If you sign up for Short Term Disability for the first
time during Open Enrollment and you become disabled during
the first 12 months due to physical disease, mental disorder, or
pregnancy, you will have a 60 day elimination period (instead of
the regular 14 day elimination period if you sign up during your
date of hire).
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 12LIFE AND ACCIDENTAL DEATH &
DISMEMBERMENT INSURANCE
Life is constantly changing. UNE knows Life Insurance Rates
how important it is to make sure you have Employee’s Age as of Monthly Cost per $1,000:
enough Iife insurance to protect the ones 1/1/20:
you love. Under 30 $0.048
30-34 $0.056
Life Insurance 35-39 $0.056
If you are a full time benefits-eligible employee, UNE 40-44 $0.096
will automatically provide Group Life Insurance 45-49 $0.140
coverage (which includes Accidental Death & 50-54 $0.220
Dismemberment coverage) to you at no cost through
55-59 $0.420
The Standard. Coverage is equivalent to one times
annual base salary, rounded to the next higher $1,000. 60-64 $0.656
UNE also provides a $2.50 monthly credit to use to 65-69 $1.008
purchase additional life insurance, pay toward other 70+ $2.050
benefits, or take in cash. The maximum coverage
amount is $300,000 and the minimum is $20,000. EXAMPLE: If your annual salary is $20,000 and you
are 36 years old, and you wish to purchase your salary
Half time employees do not receive the annual base equivalent in life insurance, you would buy $20,000 in life
salary core coverage or the $2.50 per month credit. insurance at $0.056 per thousand per month, or $1.12
However, half time employees may purchase basic life per month. If you want twice your salary equivalent in
insurance in multiples of 1-4 times their annual salary. insurance, you would need to buy $40,000 at $0.056 per
thousand, or $2.24.
Voluntary Life Insurance IMPORTANT: The maximum total life insurance you
may purchase is four times your salary, up to $500,000.
UNE offers additional Life Insurance to be purchased You may purchase $350,000 of this coverage with no
through The Standard. You may purchase this in evidence of insurability necessary. Amounts in excess
increments of 1, 2, 3, or 4 times your annual salary, of $350,000 will require that you answer questions
up to $350,000 with no evidence of insurability about your health history. You will need to go through
necessary. For example: the Evidence of Insurability process. This process will
Full Time UNE Total determine if your election is approved by The Standard.
Employee Purchased Provided = Coverage Contact HR or The Standard for this form. It is also
located on the UNE Human Resources website. Failure to
1 x Annual Salary + 1 x Annual Salary = 2 x Annual go through the EOI process may affect your benefit.
Salary
2 x Annual Salary + 1 x Annual Salary = 3 x Annual * Life Insurance benefits and associated premiums are reduced by 50%
Salary after you reach age 70. Consider this change during Open Enrollment
Half Time Total so you can make sure you have appropriate coverage for when you
Employee Purchased = Coverage
reach age 70.
1 x Annual Salary = 1 x Annual
Salary Accidental Death &
2 x Annual Salary = 2 x Annual
Salary
Dismemberment Insurance
If you are a full time benefits-eligible employee, UNE will
Life insurance rates are calculated based on age in automatically provide Group Life Insurance coverage
increments of 5 years. The bracket is based on your which includes Accidental Death & Dismemberment
age as of January 1 each year. If you have entered into coverage to you at no cost through The Standard.
a new age bracket due to a birthday, your premiums Coverage is equivalent to one times annual base salary,
will automatically increase. rounded to the next higher $1,000.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 13WELLNESS PROGRAM
A strong organization cannot exist without healthy employees. The choices we make
in our everyday Iives can help lead us to being healthier and happier. UNE offers a
comprehensive wellness program as part of our overall benefit package.
Our Wellness Program is open to all benefits-
eligible employees and offers a variety of tools
to support a healthy lifestyle and encourage
employees to be physically and mentally healthy
and happy!
Wellness Rewards Program
Benefits-eligible employees may participate in
the Wellness Rewards Program . This program
is offered to assist in rewarding employees for
taking positive preventive measures over their
health. You have the ability to earn points that can
be redeemed in the form of a gift card if you take
certain preventive measures such as having an
annual exam, completing a biometric screening,
completing an online health assessment, and much
more. Please visit the Human Resources website
for more information.
Recreation Center
Eligible University employees have access, at
no cost, to the University’s athletic complex
(weight training, swimming pool, indoor running
track, gymnasium, etc). Guests may access UNE
Recreation Centers at no cost on Friday evening,
Saturday, and Sunday, when accompanied by
the employee. UNE provides other wellness
opportunities throughout the year, including yoga,
Zumba, Wellness Fairs, an annual Fun Run/Walk,
and much more. Please visit the Human Resources
website for more information.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 14HEALTH ADVOCATE
Health Advocate is the nation’s leading healthcare advocacy and assistance
company. Their comprehensive service helps members deal with clinical, insurance,
and administrative issues involving medical, hospital, dental, pharmacy, and other
healthcare. Their goal is to help members obtain the most from their healthcare
experience.
Health Advocate is a service provided by UNE at no How Health Advocate Helps
cost to you. This service is available to all benefits-
eligible employees and your eligible family members. • Find qualified doctors, dentists, hospitals, and
With this service you have confidential, unlimited other healthcare providers anywhere in the
access to a Personal Health Advocate who can help country.
you resolve healthcare and insurance related issues • Expedite appointments including those with
through a single toll free number. hard-to-reach specialists.
• Arrange for specialized treatments and tests.
The Health Advocate service is centered on a team • Provide comparative health cost estimates.
of Personal Health Advocates, typically registered • Help resolve insurance claims.
nurses, supported by medical directors and benefits • Negotiate billing and payment arrangements.
and claims specialists. The highly personalized • Assist with eldercare such as finding adult
services range from addressing a host of healthcare daycare, assisted living and other related
and insurance-related issues to providing one-on- issues facing parents and parents-in-law.
one support for improving health and well-being. • Work with insurance companies to obtain
Coverage extends to the employee, spouse or appropriate approvals for needed services.
domestic partner, dependent children, parents, and • Obtain unbiased health information about
parents-in-law. complex medical conditions to help make
informed decisions.
• Answer questions about test results,
treatments, and medication prescribed by the
physician.
• Assist in the transfer of medical records,
x-rays, and lab results.
• Locate and research the newest treatments
for a medical condition.
• Explain benefits and help facilitate access to
appropriate care.
• To access Health Advocate 24 hours a day call
866-695-8622 or visit www.healthadvocate.
com/une.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 15EMPLOYEE ASSISTANCE PROGRAM
Life is unpredictable. To help you and your household members cope with everyday
life, work challenges, stress, family problems, and other personal issues, an Employee
Assistance Program (EAP) is available 24 hours a day, seven days a week through
Cigna.
This service is completely confidential and is available to all employees and
their household members. Enrollment is automatic for all employees and UNE
pays the full cost for this coverage. Benefits include confidential access to the
following:
• Face-to-face counseling sessions: 5 face-to-face counseling sessions
with a counselor in your area.
• Legal assistance: 30-minute consultation with an attorney face-to-face
or by phone.
• Financial: 30-minute telephone consultation with a qualified specialist
on topics such as debt counseling or planning for retirement.
• Parenting: Resources and referrals for childcare providers, before
and after school programs, camps, adoption organizations, child
development, prenatal care and more.
• Eldercare: Resources and referrals for home health agencies, assisted
living facilities, social and recreational programs, and long-distance
caregiving.
• Pet care: Resources and referrals for pet sitting, obedience training,
veterinarians, and pet stores.
• Identity theft: 60-minute consultation with a fraud resolution
specialist.
To access these services, you can call 877-622-4327 or log in to mycigna.com (employer ID: une).
403(b) RETIREMENT
UNE’s 403(b) Retirement Savings Plan is designed to help you prepare for a secure financial
future.
UNE provides 403(b) pre-tax and post-tax retirement savings plan opportunities for full time and half time
benefit-eligible employees upon enrollment.
Employees can elect to contribute in any combination of the pre-tax and post-tax savings options up to the IRS
annual contribution limits. UNE will match actively contributing participants on a dollar for dollar basis up to 8%
of the employee’s pre-tax salary deferral. UNE will not match participant post-tax contributions (referred to as a
Roth).
Employees select their 403(b) retirement plan investment funds directly through Fidelity Investments. Fidelity
Investments’ representatives and their online retirement planning tools can assist with your retirement planning
decisions.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 16HIGHER EDUCATION BENEFITS
UNE offers employees opportunities for educational enrichment and career
development. In addition to your own personal development, your dependents can apply
to participate in several higher education tuition benefits offered by the University.
Tuition Grant in Aid UNE Blue Scholar Program
Employees After an employee has reached at least ten years of
continuous and uninterrupted full time service, their
Benefits-eligible employees may take courses at UNE dependents may apply for the UNE Blue Scholar
at a discount. Undergraduate courses are $50 per Program. This program awards between $10,000
course and graduate courses are $100 per course. and $25,000 (depending on years of service), and can
Full time employees are limited to 2 courses per be used towards the direct billed cost of attendance
semester; half time employees may take 1 course per at any regionally accredited institution.
semester.
Council of Independent Colleges
Employee’s Dependents
Dependent children of full time UNE employees who
Children have completed at least one year of uninterrupted
Regular full time employee’s dependents may take full time service are eligible to apply to attend
course work at a discount for undergraduate course any of the 300+ private independent colleges
work in non-enrollment capped programs for their (participating in the Council of Independent Colleges
dependent child(ren) or stepchild(ren) (to age Program) tuition free. Employees must continue to
24). After merit aid is awarded (if applicable) the be employed full time by UNE for the full duration of
remaining balance of tuition will be discounted by the CIC period in order for the benefits to continue.
20% for each year of continuous uninterrupted full Visit the CIC Web Page (www.cic.edu) for a list of
time service. The chart below illustrates the tuition participating CIC-TEP institutions.
discount based on continuous years of service:
Tuition Exchange Program
Tuition Grant in Aid Discount Percentage
1 Year 20% This program is available to regular full time UNE
2 Years 40% employees who have completed at least fifteen years
of uninterrupted full time service (or its equivalent)
3 Years 60%
with the University by their date of application.
4 Years 80% Employees must continue to be employed full time
5 Years 100% by UNE for the full duration of the tuition exchange
period in order for the benefits to continue. Visit
Spouses and Domestic Partners the Tuition Exchange Program Web Page (www.
Spouses and domestic partners of regular full time tuitionexchange.org) for a list of participating
employees employed for at least one year may take colleges.
one course per semester (not to exceed four credits
per semester) at a discount. Non-enrollment capped Please refer to the Personnel Handbook for more
undergraduate courses are $100 per course and detailed information.
non-enrollment capped graduate courses are $200
per course.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 17PAID TIME OFF
Holiday Pay
The University provides its employees at least
twelve paid holidays per year. When a holiday falls
on a Saturday or Sunday, it is generally observed on
the preceding Friday or the following Monday. All
benefits-eligible employees (except 9 and 10 month
faculty) are eligible for paid University holidays. In
recognition that people celebrate different holidays,
benefits-eligible employees will earn a maximum of
Vacation Leave
two floating holidays per year (earning dates October
The number of vacation days you earn depends on your
1 and March 1).
position:
• Regular, full time salaried non-faculty personnel
The usual and customary University holidays are as and regular full time 12-month faculty members
follows (recognized on Mondays through Fridays): earn 20 days (160 hours) of vacation leave per year.
New Year’s Eve Thanksgiving Day • Regular, full time hourly personnel working 12
months per year earn:
New Year’s Day Day after Thanksgiving • 10 days (80 hours) for each of the first three
Martin Lurther King Jr. Day Christmas Eve years of continuous service
Memorial Day Christmas Day • 15 days (120 hours) for the fourth and fifth
years of continuous service
Independence Day (2) Floating Holidays
• 20 days (160 hours) per year after the
Labor Day completion of the fifth year of continuous
service.
• Regular, full time hourly or salaried non-faculty
Personal Time Off
personnel working 9, 10 or 11 months per year earn
9/12ths, 10/12ths or 11/12ths, respectively, of the
Personal Leave leave time earned by 12-month employees.
• Regular, half time non-faculty employees working
All full time benefits-eligible employees earn 8 at least nine months per year earn half the vacation
hours of personal leave upon attaining one year of time earned by full time employees working the
continuous service, and 8 hours per year thereafter on same number of months.
their employment anniversary date of hire. Half time • First year vacation is pro-rated on your date of hire.
benefits-eligible employees earn 4 hours per year in
the same manner. Personal leave must be used within There is no carryover of vacation leave. It must be used
the anniversary year following posting. by May 31 each year, or it will be forfeited.
Sick Leave Summer Voluntary Unpaid Personal Time Off
All full time benefits-eligible employees earn 8 hours For the months of June, July, and August regular full time
of sick leave for each completed calendar month of and half time salaried and hourly employees may request
service. Half time benefits-eligible employees earn 4 personal time off without pay. Hourly employees can
request time off in hourly increments only, and salaried
hours for each completed calendar month of service.
employees can request time off in full day increments
The maximum sick leave accumulation is 1,040 hours
only. Department approval is required to ensure that
for full time employees and 520 hours for half time
productivity continues without interruption.
employees.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 18ADDITIONAL BENEFITS
Colonial Life Voluntary Benefits Additional Discount Programs
Colonial Life benefits are available through payroll Area businesses welcome the patronage of UNE
deduction. These policies can be selected to fit your faculty and professional staff. Please note that while
specific needs and budget. we are happy to pass along the information provided
to us by these businesses, incentive programs may
The Colonial Life voluntary benefits provides choices change without our knowledge. UNE does not
to suit your specific needs for you and your family recommend or endorse the services or products of any
members. You may select from: business, but encourages all faculty and professional
staff to be educated consumers.
• Life Insurance: Term, Whole, Universal (optional
LTC Rider) To view a list of discounts available to you, such as cell
• Accident Insurance that pays specific benefit phone services, ski lift tickets, hotel reservations, local
amounts for injuries received in a covered restaurants, and more, along with information about
accident, for as little as $8.96 per pay period how to access or find out more about these offerings,
for employee coverage, or $16.31 for family. visit www.une.edu/employee-discounts.
(Optional Disability Income Replacement Rider
for your spouse.)
• Cancer Insurance that pays specific benefit
amounts for the detection and treatment of
cancer, for as little as $5.75 per pay period for
employee coverage, or $9.75 for family.
• Critical Illness Insurance that pays a lump sum
benefit upon diagnosis of a covered specified
illness such as heart attack, stroke, end stage
renal kidney failure, and more. Premium for a
sample $5,000 policy is $1.70 per pay period for
someone age 24, $2.20 for age 34, $3.38 for age
44, $5.50 for age 54, $8.40 for age 64. Higher
coverage amounts are available. Premium does
not increase with age after enrollment.
Benefits are paid directly to you, regardless of any
other insurance you have; and policies are fully
portable when you change jobs or retire.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 19IMPORTANT CONTACTS
Please contact the individual company/provider listed here to learn more about a specific benefit plan. We
also invite you to contact your Human Resources Department at 207-602-2394.
When You Have
Contact Phone Number Website/Email
Questions About
Health Harvard Pilgrim 888-333-4752 www.HarvardPilgrim.org
Member Services
Vision Guardian Customer 800-877-7195 www.guardiananytime.com
Service
Dental Delta Dental Customer 800-832-5700 www.nedelta.com
Service
Flexible Group Dynamic 207-781-8800 www.gdynamic.com
Spending email: claims@gdynamic.com
Account (FSA)
403(b) Fidelity 800-343-0860 https://nb.fidelity.com/public/nb/une/
Retirement Plan home
COBRA Group Dynamic 207-781-8800 www.gdynamic.com
email: cobra@gdynamic.com
Employee Cigna EAP Member 877-622-4327 www.myCigna.com
Assistance Services
Program (EAP)
Health Advocate Health Advocate 866-695-8622 healthadvocate.com/members
email: answers@healthadvocate.com
Life/AD&D The Standard 800-628-8600 www.standard.com
email: lifebenefits@standard.com
Long Term The Standard 800-368-1135 www.standard.com
Disability
Short Term The Standard 800-368-2859 www.standard.com
Disability
Voluntary Colonial Life 207-828-8016 www.coloniallife.com
Benefits
Summary Plan Descriptions can be found at https://www.une.edu/hr/benefits. The various insurance plans are listed,
and the SPD’s can be found within each link. If you wish to have a printed copy please contact Human Resources and
we would be happy to provide this at no cost.
Consult the various plan documents and/or Personnel Handbook to determine full eligibility and details of the various
benefits noted throughout this Benefits Guide.
383 US Route One | Suite 1E, Box 5
Scarborough, ME 04074
(207) 883-8229
www.varneybenefits.comYou can also read
