2022 EMPLOYEE BENEFITS GUIDE - UNIVERSITY OF NEW ENGLAND
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2022
EMPLOYEE BENEFITS GUIDE
UNIVERSITY OF NEW ENGLAND
TABLE OF CONTENTS
Important Information for 2022.. 3
Welcome to Your
About Your Benefits.............. 6
2022 Benefits Package
Medical Benefits................... 7 UNE is committed to providing a competitive and
comprehensive benefits package that provides you
Vision Benefits...................... 11 with several options, enabling you to select the benefits
that are best suited for you and your family. The
Dental Benefits..................... 12 benefits package is designed to help you stay well, both
physically and financially, and provide support and
Flexible Spending financial protection if the need arises.
Accounts.............................. 14
The benefits package includes group Medical, Dental,
Disability Insurance............ 15 Vision, Life, and Disability insurance coverage. Health
Savings Account funds, tax-advantaged Flexible
Life and Accidental Death & Spending Accounts, and a 403(b) Retirement Plan are
Dismemberment also offered.
Insurance............................. 16
UNE provides a Wellness Program to all benefits-
Wellness Program............... 17 eligible employees, offering opportunities for
employees to learn, practice, and be rewarded for
Health Advocate.................. 18 healthy habits. You also have access to Health Advocate
and Cigna’s Employee Assistance Program, both free
Employee Assistance and confidential resources designed to help support you
Program............................... 18 and your family.
403(b) Retirement In an effort to support your personal circumstances,
Plan...................................... 19 a variety of voluntary insurance products are offered
through payroll deductions. Details on each of these
Higher Education programs are outlined within this guide.
Benefits................................ 20
Paid Time Off....................... 21
Additional Benefits.............. 22
Important Contacts............. 24 For additional information please contact your Human
Resources Department at (207) 602-2394 or email
Human Resources at hr@une.edu.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 2
IMPORTANT INFORMATION FOR 2022
Health Savings Account (HSA)
UNE will continue to make contributions on a per pay basis, contributing up to $2,600 annually. In addition to
UNE’s contribution, you can also make pre-tax contributions on a per pay period basis. The IRS has increased
annual contribution limits permitted for 2022. If you elect employee only coverage you are permitted to
contribute up to $3,650. If you elect employee + dependent coverage (Employee/Child, Employee/Spouse or
Family), you are permitted to contribute up to $7,300. Please keep in mind the $3,650 and the $7,300 are a
combined limit for employee and employer contributions. Employees who are at least 55 years of age at any
point in 2022 can deposit an additional $1,000.
Medical & Dependent Care Flexible Spending Account (FSA)
Due to the ongoing COVID pandemic, the IRS is allowing 2021 Medical and Dependent Care Flex Spending
Account balances to be carried over into 2022. You will have until 12/31/2022 to incur eligible expenses and
seek reimbursement for these expenses using your 2021 FSA Funds.
My Health Math (MHM)
Confidence in your health plan decision: We’ve partnered with MyHealthMath to help you choose a health
plan for the coming year. Their secure platform, Decision Doc, gives you an interactive report showing you
which health plan will save you the most money based on your specific health needs. Decision Doc is available
24/7 starting 10/19. To get started, navigate to Decision Doc www.myhealthmath.com/une. Then, answer
some questions about your (and your family’s) specific medical needs and prescriptions. You’ll receive a report
showing you which health plan will save you the most money, allowing you to select the most cost-effective
coverage. Live analysts are available to support you!
Harvard Pilgram Fitness Reimbursement
Up to two covered family members on a family plan (Employee/Child, Employee/Spouse, Family) may be
reimbursed up to $150 each, for a maximum reimbursement of $300. Any combination of subscriber, spouse,
or dependent is eligible for the reimbursement. For plans with 1 covered member (Employee Only) the
maximum reimbursement is $150.
Summary of Benefits and Coverage (SBC) and Summary of Plan Description (SPD)
The Summary of Benefits and Coverage (SBC) and Summary of Plan Description (SPD) for all benefits-eligible
employees are located on our Human Resources website at www.une.edu/hr/benefits/health-benefits. These
documents provide standard coverage information of the three medical plans through Harvard Pilgrim. The
Summary of Benefits and Coverage is also available in paper form free of charge upon request. If you’d like
a printed copy or have any coverage questions, please reach out to Human Resources and we’d be happy to
assist you.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 3
IMPORTANT INFORMATION FOR 2022
Medical
The Basic, Enhanced and POS HDHP w/ HSA (“HSA”) plans remain the same for 2022. There are no plan
design changes for the three offerings. The POS HDHP w/ HSA plan requires you to select a primary care
provider (PCP) and obtain a referral in order to see certain specialists.
POS HDHP w/ HSA Plan Specific Information
What is a POS plan? The Point of Service (or POS plan) still offers you flexible choices for your health care
needs. You still have in and out of network benefits. You are required to select a Primary Care Physician
(PCP) as part of the enrollment process. If you do not provide a PCP, Harvard Pilgrim will assign one to you
and any dependents on your policy.
Your PCP is the doctor, physician assistant or nurse practitioner who will see you for routine check-ups and
treat you when you’re sick or injured. In the past you may have had a PCP, but it was not a requirement. You
will receive a letter with the name of the provider that you have been assigned, but you will need to log in to
your member account at www.harvardpilgrim.org once your coverage becomes effective to see who you were
assigned and to make any changes.
If you see an out-of-network provider, it’s possible that the provider will charge more than Harvard Pilgrim’s
allowed amount for the care you received. In that case, you would be responsible for paying the difference
between the provider’s charges and Harvard Pilgrim’s allowed amount; this is sometimes called “balance
billing.” The balance you pay would not count toward your out-of-pocket maximum. This is not any different
than what has been in effect for 2021. We just wanted to remind you of how seeking care out-of-network
may impact you financially.
When can I elect a PCP in the Harvard Pilgrim Portal? If you are a new employee or electing the POS plan
for the first time on January 1, 2022, you will be able to log into the Harvard Pilgrim Portal and select a PCP
for you and your dependents. You are unable to take this step until January 1, 2022. It is important that you
do it immediately on or after January 1, 2022. You may also contact Harvard Pilgrim’s member services team
on or after January 1, 2022 at 888-333-4742. NOTE: if you are currently enrolled in the POS Plan, you may
change your PCP by logging into the Portal at any time. You do not have to wait until January 1, 2022.
What if I do not elect a Primary Care Physician (PCP) or the auto assigned PCP does not reflect my actual
PCP? If a claim is submitted and Harvard Pilgrim has a different PCP or no PCP listed in their system, the
claim will not process appropriately. It could result in the claim being processed out-of-network and would
result in you incurring higher costs. You are responsible for checking the accuracy of your PCP and your
dependent’s PCP.
How do I find the name of an in-network (or participating) provider? To find the names of in-network
participating PCPs, use the provider look-up at www.harvardpilgrim.org. You can also call Harvard Pilgrim for
help and to request a copy of the Provider Directory. The call and the directory are free.
If you do not obtain a referral, you will be subject to the out-of-network benefits schedule. It is important to
note that even if you see an in-network specialist and you did not get a referral, you are subject to the out-of-
network benefit schedule.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 4
IMPORTANT INFORMATION FOR 2022
Am I required to have a PCP for a family member (like a college student) who lives outside the plans service
area? If you or your family members (like college students) live outside of the plan’s service area, you are
not required to have a PCP and you do not need referrals to see specialists. However, you should try to see a
Harvard Pilgrim participating provider so you’ll have lower out-of-pocket costs. If you or your family members
receive care from a non-participating provider, you will be covered at the out-of-network benefit level. Please
note: the service area is Maine, New Hampshire, Massachusetts, Connecticut, Rhode Island and Vermont.
Are there services that do not require a referral? Yes, the following services do not require a referral.
However, if treatment is provided by an out-of-network provider, you will be subject to the out-of-network
benefit schedule.
• Acupuncture • OB/GYN
• Chiropractic Care • Urgent Care
• Annual Eye Exams
What are the referral requirements for Mental Health Care? There are no referral requirements for this
benefit. HOWEVER, the services could require an authorization/notification and therefore we recommend
you should ALWAYS contact the Behavioral Health Access Center at 1-888-777-4742 for any mental health
or substance use disorder treatment. For additional details about how Mental Health is covered please refer
to the Summary Plan Document.
It is also important to note that if you are seeking prior authorization from an out-of-network service
provider, you as the member are responsible to call the Behavioral Health Access Center. If you are seeking
services from an in-network provider, your PCP should contact the Behavioral Health Access Center.
Do I need a referral for emergency care? In an emergency (e.g., heart attack, stroke, choking, seizure or loss
of consciousness), go to the nearest emergency facility, or call 911 or another local emergency number. Once
you are out of the hospital, please follow up with your PCP for any additional care you may need.
If I am currently seeing a specialist will I need a referral for continued care? Yes, if you are currently seeing a
specialist you will be required to obtain a referral from your PCP to continue to see this specialist.
How and when do I obtain a referral from my PCP for continued care from my current specialist? You
may request the referral now. You do not need to wait for the POS HDHP w/HSA effective date of January
1, 2022. We suggest doing this now so that there is no interruption to your care. You should contact your
current PCP and ask that they provide a referral to your current specialist as your plan will be moving to a
POS HDHP w/HSA platform effective January 1, 2022 and will require a referral. We recommend you follow-
up with your PCP on or after January 1, 2022 to ensure your provider completed the referral.
Have my health insurance premiums changed for January 1, 2022? No, the 2022 contributions for all plans
remain the same as 2021. Please see page 10 of this booklet for the monthly premiums.
Over-the-Counter Medicine
Certain Over-the-Counter (OTC) coverage continues to be offered for all plans (POS HDHP w/HSA, Basic,
and Enhanced). These medications will be covered at the Tier 1 co-pay level when a doctor’s prescription is
provided.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 5
ABOUT YOUR BENEFITS
Eligibility Information Section 125 Plan Benefit
Benefits-eligible employees may elect Medical (with the A Section 125 Plan is an IRS-regulated benefit that allows
associated vision) and/or Dental insurance coverage for an employee to make certain benefit contributions on a pre-
yourself and your eligible dependents. If you are a full tax, rather than a post-tax, basis. Such plans permit Medical,
time benefits-eligible employee you will automatically Health Savings Account (HSA), Dental, Vision, and FSA
be enrolled in UNE’s Basic Life, AD&D, and Long Term contributions by employees to be deducted from earnings
Disability policies. All benefit-eligible employees have before taxes are calculated. Employees who are eligible and
the option to purchase Supplemental Life and Short participate in UNE’s plans will automatically receive this
Term Disability. Children can be covered as dependents benefit.
on your Medical, Dental and Vision plans until age 26
regardless of student status.
Evidence of Insurability (EOI)
When Coverage Begins and Ends If your 2022 election exceeds $350,000 (whether the
increase is due to a salary change or an increased election)
Coverage for eligible new hires begins on the first of the you will need to go through the Evidence of Insurability
month following the date of hire. If you enroll in benefits (EOI) ) process. The Evidence of Insurability process
during UNE’s Open Enrollment period, coverage will will allow The Standard to determine if your election is
begin on January 1st. Coverage for Medical, Dental, approved. Contact HR or The Standard for this form. Your
and Vision benefits end on the last day of the month level of coverage will not exceed $350,000 until this form is
following termination from UNE. All other benefits end completed and approved by The Standard.
on your last day of employment.
i. If the initial EOI for a salary increase is approved, you will
not have to show EOI for any additional salary increases in
Making Changes During the Year the future.
Generally, you can only change your benefit elections ii. If the initial EOI for an increased plan election is
during the Open Enrollment period, unless you approved, and in the future you make additional increases
experience a qualified life event such as marriage, such as going from 2x coverage to 3x coverage, you will
divorce, birth or adoption, or a change in your or your be required to complete the EOI process again for that
spouse’s employment status that affects benefits increased election. Your newly elected increased level of
eligibility. You must notify HR within 30 days of a coverage will not go into effect until this form is completed
qualified life event. and approved by The Standard.
COBRA: Continuing Coverage After If you are a late entrant, meaning you did not elect
Supplemental Life Insurance coverage when you were
Termination originally hired or newly eligible, EOI will be required for
any amount of newly elected coverage.
Under most circumstances, you and your dependents
may continue to participate in select benefit plans If you are 70+ years of age, or will be turning 70 in 2022,
through COBRA Insurance after you terminate please speak with HR to discuss how your coverage may be
employment. You will be advised of your COBRA rights affected in 2022.
if you experience a COBRA qualifying event. For more
information contact Group Dynamic at
207-781-8800.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 6MEDICAL 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 Basic
UNE offers a choice of three medical plans through Employee coinsurance is 20% after $500 individual/$1,000
Harvard Pilgrim Health Care. If you are enrolled in family deductible has been met. Under this plan, office
the medical plan, vision will be provided by Guardian. visits require you to pay a $25 co-payment when you see
your in-network Primary Care Physician or $50 for an in-
More information about Harvard Pilgrim, including network specialist. Some provider services may be subject
a list of in-network participating providers, may be to a plan deductible. No referral requirement for specialist
obtained by visiting the Harvard Pilgrim webpage care. Prescription drugs require a co-payment. One co-
(www.HarvardPilgrim.org). payment is required when you obtain a 30-day supply of
prescription drugs. Two co-payments are required for 31
Highlights of the Harvard Pilgrim medical plans to 90 day supply for both retail and mail order prescription
include: drugs. The co-payment for prescriptions is $15 for generic
drugs, $30 for preferred name brand drugs, and $50 for
• In-Network Preventive Care services covered non-preferred name brand drugs.
100%
• Access to a Harvard Pilgrim Customer Service Enhanced
Representative via toll free number
• Online access to view your personal claim history, $500 individual/$1,000 family deductible and 0% (zero)
account transactions, plan coverage, claim forms, employee coinsurance once deductible has been met.
and more Under this plan, office visits require you to pay a $20
• Cost and quality provider directory to help you co-payment when you see your in-network Primary Care
compare doctors and medical procedures to Physician or $40 for an in-network specialist. No referral
control your health care spending requirement for specialist care. Some provider services
• Emergency and Urgent Care when you need it may be subject to a plan deductible. Prescription drugs
anywhere worldwide require a co-payment. One co-payment is required when
• 24-hour online urgent care through your plan you obtain a 30-day supply of prescription drugs. Two
with copay 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
The POS HDHP w/HSA health plan requires you
name brand drugs, and $35 for non-preferred name brand
to select a Primary Care Provider (PCP) and obtain
drugs.
a referral in order to see certain specialists. The
following services do NOT require a referral:
POS High Deductible Health Plan with
• Acupuncture Health Savings Account (HSA)
• Chiropractic Care
• Annual Eye Exam
10% in-network, 30% out-of-network employee coinsurance;
• OB/GYN
$2,800/$5,600 deductible. Under this plan, all covered
• Urgent Care
medical and prescription drug expenses accumulate toward
the deductible. Specified preventive prescription drugs are
PLEASE NOTE: If you are seeking Mental Health
covered in full.
Care, you should ALWAYS contact the Behavioral
Health Access Center at 1-888-777-4742.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 7POS High Deductible Health Plan with Health Savings Account (HSA) Cont.
The High Deductible Health Plan associated with the Health Savings Account (HSA) is a Point of Service Plan offering
you flexibility for your health care needs. If you require care from a specialist, a referral from your PCP is required. If a
referral is not acquired, your benefit level will be at the out-of-network benefit level. For eligible participating employees
in 2022, UNE will provide the employer HSA contribution on a per pay period basis. UNE will continue to contribute up
to $2,600 annually to an eligible participating employee’s HSA account.
• If electing the high deductible health plan with a health savings account, please be aware that through the Patriots
Act you may be chosen to verify some of your personal information. You will receive a letter in the mail from
Benefit Wallet informing you of what is needed to establish your health savings account. Please act promptly.
Failure to fully open/complete your health savings account by February 28th of the following calendar year will
cause you to forego any UNE employer contributions to your health savings account, as well as any future UNE
employer contributions until you take the necessary steps to establish your health savings account. You may
contact Benefit Wallet with any questions regarding this verification process by calling them at 877-472-4200.
• If you do not open your health savings account and terminate employment prior to doing so, you will forfeit all
UNE employer contributions to your health savings account.
• Important reminder: IRS regulations do not allow for health savings account funds to be used for eligible expenses
that are inccured prior to one’s health savings account being successfully opened.
In addition to the deposits 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 2022 is $3,650 if you have employee only coverage or $7,300 if you
have family coverage. Employees who are at least 55 years of age at any point in 2022 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. If you have a health savings account, you cannot have other coverage, including Medicare Part A.
IMPORTANT NOTE RELATING TO HSA & MEDICARE: If you elect the HSA medical insurance plan and finally decide to
enroll in Medicare after delaying it, you should stop contributing to your HSA (including UNE’s employer contributions)
at least six months in advance of enrolling in Medicare. Otherwise you may be hit with a tax penalty because Part A of
Medicare provides six months of retroactive coverage upon enrollment. You should contact a UNE Human Resources
representative at least six months in advance to complete the necessary paperwork to stop HSA contributions.
The many benefits to maintaining a Health Savings Account
include: HSA AUTOMATIC ACCOUNT OPENING
• Control − You can use the HSA to pay for any qualified
medical expenses. If you elect the qualified POS High
• Flexibility − Your HSA dollars can pay for items identified Deductible Health Plan (HDHP)/Health
under your health insurance plan, but also can encompass Savings Account (HSA) option through UNE’s
a broader definition as defined by the IRS which includes Internal Revenue Code Section 125 Cafeteria
dental, vision, orthodontia, and more. Plan, UNE will provide BenefitWallet (BW)
• Portability − You can take your HSA funds with you; the
with data and information requested by BW
account belongs to you.
and reasonably needed by BW in order to
• Tax Savings − Your contributions to the HSA are made with
pre-tax dollars. open your BW HSA, including accepting the
• Not Subject to “Use-it-or-lose-it” − Balances roll from year BW HSA terms and conditions and rate and
to year, so you don’t need a crystal ball to forecast medical fee schedule on your behalf and agreeing
expenses in the next year. to receive account statements and other
account documents electronically.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 8Medical Plans At-a-Glance
Basic Enhanced POS HDHP w/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
*The POS HDHP w/HSA health plan now requires you to have a referral to see certain specialists. However, you do not need
a referral for apuncture, chiropractic care, annual eye exams, OB/GYN, and urgent care.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 9Monthly 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 $92.40 $233.02 $64.34 $137.80 $516.16 $101.86
One parent & Child/ren $231.24 $395.22 $159.16 $697.24 $942.02 $547.66
Coverage
Two Adult Coverage $408.74 $633.04 $310.48 $971.62 $1,272.46 $778.76
Family Coverage $418.08 $710.66 $331.94 $1,071.64 $1,428.02 $876.18
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 $100.80 $254.20 $70.18 $150.34 $563.08 $111.14
One parent & Child/ren $252.26 $431.16 $173.62 $760.62 $1,027.66 $597.44
Coverage
Two Adult Coverage $445.90 $690.58 $338.70 $1,059.96 $1,388.12 $849.56
Family Coverage $456.10 $775.26 $362.12 $1,169.04 $1,557.84 $955.84
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 $110.88 $279.62 $77.20 $165.36 $619.40 $122.24
One parent & Child/ren $277.48 $474.26 $190.98 $836.68 $1,130.44 $657.18
Coverage
Two Adult Coverage $490.50 $759.66 $372.58 $1,165.96 $1,526.96 $934.52
Family Coverage $501.72 $852.78 $398.34 $1,285.96 $1,713.62 $1,051.42
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 $123.20 $310.70 $85.78 $183.72 $688.22 $135.82
One parent & Child/ren $308.30 $526.96 $212.20 $929.64 $1,256.04 $730.20
Coverage
Two Adult Coverage $545.00 $844.06 $413.98 $1,295.52 $1,696.62 $1,038.34
Family Coverage $557.44 $947.54 $442.60 $1,428.84 $1,904.02 $1,168.24
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 10VISION 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 POS HDHP w/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 11DENTAL 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 in-network 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 in-network participating provider. If you visit an
out of network dentist, you may be required to submit your own claim and pay for services at the time they are provided.
Payment to out of network dentists will be limited to the lesser of the dentist’s actual submitted charge or Delta Dental’s
allowance for out of network 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 12Monthly 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 13FLEXIBLE 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 - $2,750 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 POS HDHP/HSA plan.
expenses. Typically available for dependent
children up through age 12.
End result: You pay less tax on a smaller amount of “GRACE PERIOD”
income and get to keep more take-home pay!
PLEASE NOTE: Page 3 of this booklet contains
How FSAs Work specific IRS regulations for the 2022 plan year due
to the COVID-19 pandemic.
Your contributions will be deducted from your
Regulations allow employers who sponsor FSAs the
paychecks in equal amounts during the plan year. opportunity to add an extension of time at the end
of the plan year during which employees may incur
As you pay for eligible expenses out of your own eligible expenses and be reimbursed from their
pocket, you are reimbursed from your account(s). FSA funds. This extension of time is called a “grace
period.” The University of New England has chosen
Money can’t be transferred between accounts for to add a 2.5 month “grace period” to the 2022 plan
expense reimbursements. year.
You can’t stop or change your FSA contributions The “grace period” allows you the opportunity to
spend your 2022 Medical/Dependent Care Flexible
during the plan year unless you have a qualified
Spending Account funds up until March 15, 2023.
life event. You must re-enroll in any FSA each year You have until May 30, 2023 to submit any claims
during the annual Open Enrollment period. Per incurred during the plan year or during the “grace
IRS Regulations, funds not spent by the end of the period.”
grace period will be forfeited.
If you terminate employment at UNE during
For more detailed information about eligible 2022, you have until May 30, 2023 to submit for
expenses, please check the Flexible Spending reimbursement. You may only submit for expenses
Account website at www.groupdynamic.com or incurred up through your termination date (unless
call the number listed on back cover. you elect COBRA for your FSA).
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 14DISABILITY 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
1/1/22: 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 15LIFE 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 1/1/22:
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 16WELLNESS 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 fitness
classes, Wellness Fairs, an annual Fun Run/Walk,
and much more. Please visit the Human Resources
website for more information.
Harvard Pilgrim Online Fitness Classes
Harvard Pilgrim also provides additional free online wellness classes for you and your family. Visit
their Living Well page to view the latest Strength Classes, Yoga Classes, Zumba Classes, and various
Health & Wellness Webinars.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 17HEALTH ADVOCATE
Health Advocate is a service provided by UNE at no cost How Health Advocate Helps
to you. This service is available to all benefits-eligible
employees and your eligible family members. With • Find qualified doctors, dentists, hospitals, and other
this service you have confidential, unlimited access to healthcare providers anywhere in the country.
a Personal Health Advocate who can help you resolve • Expedite appointments including those with hard-
healthcare and insurance related issues through a single to-reach specialists.
toll free number. • Arrange for specialized treatments and tests.
• Provide comparative health cost estimates.
The Health Advocate service is centered on a team of • Help resolve insurance claims.
Personal Health Advocates, typically registered nurses, • Negotiate billing and payment arrangements.
supported by medical directors and benefits and claims • Assist with eldercare such as finding adult daycare,
specialists. The highly personalized services range from assisted living and other related issues facing
addressing a host of healthcare and insurance-related parents and parents-in-law.
issues to providing one-on-one support for improving • Work with insurance companies to obtain
health and well-being. Coverage extends to the employee, appropriate approvals for needed services.
spouse or domestic partner, dependent children, parents, • Obtain unbiased health information about
and 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.
EMPLOYEE ASSISTANCE PROGRAM
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).
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 18403(b) RETIREMENT
UNE’s 403(b) Retirement Savings Plan is designed to help you prepare for a secure financial
future.
Planning for your future financial security is important. UNE provides 403(b) pre-tax and post-tax retirement savings
plan opportunities for full-time and half-time benefit-eligible employees upon your enrollment.
Employees can elect to contribute to any combination of the pre-tax and post-tax savings options up to the IRS annual
contribution limits. There is no waiting period to begin contributing. Eligible employees can enroll and increase or
decrease their contribution percentage in UNE’s 403(b) at any time.
To enroll go to www.netbenefits.com/une and click on the “Start Now” button. The system will guide you through the
enrollment process. If you need help enrolling, please contact the Fidelity Retirement Benefits Line at 1-800-343-
0860.
Pre-tax Contributions: UNE will match actively contributing participant’s pre-tax contributions on a dollar-for-dollar
basis up to 8% of the employee’s pay. To be eligible for UNE’s match, an employee must have 12 months of service in
Higher Education prior to joining UNE or must work for UNE for 12 months.
Post-tax Contributions (Roth): UNE provides employees the opportunity to make post-tax contributions through a
Roth 403(b). Although UNE does not match participant post-tax contributions, Roth contributions can be a powerful
way to save for retirement since employees do not pay taxes on qualified withdrawals*.
View these additional resources to determine if Roth contributions may be right for you.
Watch our Roth Video Roth FAQ’s Roth Modeler Change contributions
*A distribution from a Roth 403 (b) account is tax free and penalty free, provided the five-year aging requirement has been
satisfied and one of the following conditions is met: age 59½, disability, or death.
Selecting Investments: Participants 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.
Resources: Through Fidelity, UNE offers a wide range of options to help you learn more about managing your403(b)
retirement. There are online videos, webinars, articles and other tools and resources to help you become more
confident in the financial decisions you make today and in the future. Once you establish an account, log in at www.
netbenefits.com/une and select “Tools and Resources” then “Education” to access these self-paced learning options.
UNE also invites our dedicated Fidelity representative to join us on campus each month so that they can meet with
employees one on one to discuss their retirement needs and questions.
Start contributing today! Contributing earlier in your career, even if just a small amount, can make a big difference
when you are ready to retire! Remember though, it is never too late to plan for your financial retirement!
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 19HIGHER 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 20PAID TIME OFF
Holiday Pay • Regular, full time hourly personnel working 12 months
per year earn:
The University provides its employees at least twelve paid • 10 days (80 hours) for each of the first three years
holidays per year. When a holiday falls on a Saturday or of continuous service
Sunday, it is generally observed on the preceding Friday or • 15 days (120 hours) for the fourth and fifth years
the following Monday. All benefits-eligible employees (except of continuous service
9 and 10 month faculty) are eligible for paid University • 20 days (160 hours) per year after the completion
holidays. In recognition that people celebrate different of the fifth year of continuous service.
holidays, benefits-eligible employees will earn a maximum of • Regular, full time hourly or salaried non-faculty
two floating holidays per year (earning dates October 1 and personnel working 9, 10 or 11 months per year earn
March 1). 9/12ths, 10/12ths or 11/12ths, respectively, of the
leave time earned by 12-month employees.
The usual and customary University holidays are as follows • Regular, half time non-faculty employees working
(recognized on Mondays through Fridays): at least nine months per year earn half the vacation
time earned by full time employees working the same
New Year’s Eve Indigenous Peoples’ Day (TBD)
number of months.
New Year’s Day Thanksgiving Day • First year vacation is pro-rated on your date of hire.
Martin Lurther King Jr. Day Day after Thanksgiving
There is no carryover of vacation leave. It must be used
Memorial Day Christmas Eve
by May 31 each year, or it will be forfeited. Vacation
Juneteenth Christmas Day time offered to eligible employees meets the leave time
Independence Day (2) Floating Holidays requirements afforded under the Maine Earned Paid Leave
Law.
Labor Day (TBD)
Personal Time Off Summer Voluntary Unpaid Personal Time Off
Personal Leave Beginning after Graduation in May through the end of
August, regular full-time and half-time salaried and hourly
employees may request personal time off without pay, not
All full time benefits-eligible employees earn 8 hours of
to exceed three months. Hourly employees can request time
personal leave upon attaining one year of continuous service,
off in hourly increments only, and salaried employees can
and 8 hours per year thereafter on their employment
request time off in full day increments only. Department
anniversary date of hire. Half time benefits-eligible
approval is required to ensure that productivity continues
employees earn 4 hours per year in the same manner.
without interruption.
Personal leave must be used within the anniversary year
following posting.
Maine Earned Paid Leave Law (MEPL)
Sick Leave
Nine (9) or ten (10) month regular faculty members,
temporary hourly professional staff, or adjunct faculty
All full time benefits-eligible employees earn 8 hours of members are eligible to earn this leave time benefit.
sick leave for each completed calendar month of service. Student workers are not eligible. Hourly employees eligible
Half time benefits-eligible employees earn 4 hours for each for MEPL earn 1 hour of MEPL for every forty (40) hours
completed calendar month of service. The maximum sick reported on timesheets. Salaried employees eligible for
leave accumulation is 1,040 hours for full time employees MEPL earn 1 hour for each week worked.
and 520 hours for half time employees.
Eligible employees can earn up to a maximum of 40 hours.
Vacation Leave This leave time can be used for any purpose such as
emergency, illness, sudden necessity or planned time off.
The number of vacation days you earn depends on your Employees must be employed with UNE for at least 90 days
position: before they can use their earned MEPL time.
• Regular, full time salaried non-faculty personnel and
regular full time 12-month faculty members earn 20
days (160 hours) of vacation leave per year.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 21ADDITIONAL 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. Policies are fully portable
when you change jobs or retire.
To learn more or enroll in the Colonial Benefits, please
contact Debbie Sullivan at 207-415-1012 or by email
at debbie@betterbenefitsme.com. She is a Colonial
Benefits Representative and is available for one-on-
one virtual meetings.
UNIVERSITY OF NEW ENGLAND EMPLOYEE BENEFITS PAGE 22You can also read
