General Benefits Information
MEDICAL INSURANCE
(Christian Brothers Employee Benefit Trust)
EMPLOYEE COVERAGE
-
Employees earning less than$35,000/year pay 7.5% of premium
per paycheck ($18.01/paycheck);
-
Employees earning $35,001 - $60,000/year pay 12% of premium per paycheck
($28.82/paycheck);
-
Employees earning more than $60,000/year pay 15% of premium per paycheck
($36.02/paycheck).
-
Pre-Tax payment option can be exercised
-
Regular part time employees (20 hours or more per week) are responsible for ½ monthly
premium ($120.08/paycheck)
-
PPO Plan (Private HealthCare Systems), but may go outside network if
desired
-
Insurance is effective on the first day of the month following the employee's
date of hire
Note: Employee may choose not to enroll in the insurance coverage. A
$500 (gross), one-time payment will be given to full time employees that
waive
coverage. Employees may enroll or re-enroll at a later date after a 6-month
waiting period.
In Network
-
$250/individual, $750/family maximum
deductible per calendar year;
-
Out-of-pocket limitation is $2,000/individual, $4,000/family for in-network
use;
-
Dr. & Hospital in PPO network: 80%/20%;
-
$20 co-pay for Dr’s office visits;
-
$50 co-pay for ER visit
-
$200 co-pay for hospitalization
(Co-pays do not count towards deductible)
Out of Network
-
$500/individual, $1500/family maximum deductible
per calendar year;
-
Out-of-pocket limitation is $4,000/individual, $8,000/family for out-of-
network use;
-
Dr. & Hospital- out of network: 50%/50%
(No co-pays - out-of-network)
Note: Employee may choose not to enroll in the insurance coverage. If so,
a $500 (gross), one-time payment will be given. Employees may enroll
or re-enroll at a later date after a 6-month waiting period.
DEPENDENT COVERAGE
-
40% paid by employee, University pays 60% of coverage-Current
premium $657.11 per month, regardless of the number of dependents enrolled;
$134.70 will be
deducted per paycheck based on 26 pays per year
-
Pre-Tax payment option can be exercised
-
Same medical, dental and prescription benefits as employee
-
Effective the first day of the next month following date of employment
-
If enrolled within 31 days of employee's date of hire, medical records
will not be required, and dependents cannot be denied. However,
if application is made after 31 days coverage, there is a six month waiting period
before
insurance coverages take effect
-
Dependents are not eligible for life insurance or long-term disability
coverage
Note: Your medical plan requires surgical review and hospital
preadmission authorization. You or your doctor must call Health Information
Line:
- before any surgical procedure
- in advance of any non-emergency admission
- within two working days after any emergency admission
Surgical Review and Hospital Preadmission Authorization are obtained
by calling: Benefit Phone Number: 1-800-807-0400
Failure to comply will reduce benefits.
DENTAL INSURANCE
(Christian Brothers Employee Benefit Trust)
-
No additional
cost to employee; dependent included w/medical premium
-
$50 per calendar year deductible; maximum of $150 per family
-
$1,500 maximum coverage per calendar year
-
Pays 100% of checkup & cleaning every six months, x-rays
once-per-year year, before deductible is met
PRESCRIPTION INSURANCE
(MedCoHealth)
-
No additional cost to employee
- At participating retail pharmacies: (up to a 30-day supply)
- $10 or 20% of the prescription cost-whichever is greater, for
Generic drugs
- $20 or 20% of the prescription cost-whichever is greater for
Preferred Brand Name drugs
- $50 or 20% of the prescription cost-whichever is greater-for
Non-preferred brand name drugs
-
Through MedCo Mail order & Home Delivery: (up to a 90-day
supply)
- $20 Co-Pay for Generic Drugs
- $50 Co-Pay for Preferred Brand Name drugs
- $125 Co-Pay for Non-preferred Name Brand drugs
VISION INSURANCE
-
No deductible;
-
Pays up to $50/year for exam
-
Pays up to $100/2 years for frames
-
Pays from $25 to $125 for two lenses/2 years: 1 pair of glasses or 1
pair of contacts every two years
LIFE INSURANCE
(and Accidental Death Benefit)
(The Hartford Insurance Co.
through CBEBT)
-
No cost to employee
-
Term life insurance benefit equal to 1-1/2 times annual salary
Note: Benefit in excess of $50,000/year is taxable income
LONG-TERM DISABILITY INSURANCE (LTD)
(The Hartford Insurance Co. through
CBEBT)
-
Benefit: 60% of salary as LTD income after a 90 day qualifying
period
PENSION
(Christian Brothers Employee Retirement Plan)
-
After 4 years and 9 months of service, employees are vested
in the pension program
TUITION WAIVER
-
Employees are eligible for tuition waiver as follows:
At Date of Hire:
For Undergraduate Tuition |
After One Year of Service:
For Graduate Tuition |
| Regular full-time: 100% |
Regular full-time: 100% |
Regular part-time: 50% |
Regular part-time: 50% |
| Limited part-time: 25% |
Limited part-time: 25% |
-
Spouse and dependent children of employees become eligible
for Undergraduate tuition benefits as follows:
| After 6 months of service |
After 1 year of service |
| 50% for dependents of full-time employees |
100% for dependents of full-time employees |
| 25% for dependents of regular, part-time employees |
50% for dependents of regular, part-time employees |
| 25% for dependents of limited, part-time employees |
25% for dependents of limited, part-time employees |
-
Spouse and dependent children of employees become eligible
for Graduate tuition benefits as follows:
| |
0-4 years of service |
5-9 years of service |
10+ years of service |
| Regular full-time |
25% |
50% |
100% |
| Regular part-time |
25% |
50% |
50% |
| Limited part-time |
No Waiver |
25% |
25% |
- Students must maintain satisfactory academic progress as
defined in the University catalog to maintain eligibility for tuition
benefits
PTO (PAID TIME OFF)
-
PTO benefits shall accrue as follows:
Exempt (Salaried) Employees |
Non-Exempt (Hourly) Employees |
Service |
Benefit |
Service |
Benefit |
| 1st year |
15 days |
0 - 3 mos |
None |
| 2nd year |
16 days |
3 mos - 2 yrs |
15 days |
| 3rd year |
17 days |
3rd year |
16 days |
| 4th year |
18 days |
5th year |
17 days |
| 5th year |
19 days |
7th year |
18 days |
| 6th year |
20 days |
9th year |
19 days |
| 7th year |
21 days |
10th year and thereafter |
20 days |
| 8th year |
22 days |
Vice
Presidents, Associate Vice Presidents, Associate Provosts and
Deans
25 days per calendar year |
| 9th year |
23 days |
| 10th year |
24 days |
| 11th+ years |
25 days |
-
Exempt employees shall receive 9.38 hours (monthly proration
of fifteen days over twelve months) PTO for each full month worked
from the date of hire
through the end of that calendar year
-
Non-exempt employees, upon completion of their probationary period, will
receive (a) office employees: 9.38 hours, or (b) service employees: 10 hours
(monthly
proration of ten days over twelve months) of PTO for each month worked
through the end of the calendar year
-
Employees may carry over an unused balance of 5 days of PTO into the
first half of the next calendar year.
STDB (SHORT TERM DISABILITY BANK DAYS)
-
All employees will be given 5 days each January 1st for
their STDB. The STDB will accrue from year-to-year and can
be utilized only for physician-verified absence of 3 days or more
This snapshot is a summary of benefits and is not intended to be
an all-inclusive statement of benefits. The data CD, Your Employee
Benefits, and the gray booklet, Summary Plan Description, have
been provided to you as resources for your insurance and retirement
benefit
questions. In all cases, please consult these documents and contact
Office of Human Resources to provide clarification.
Additional information on employee benefits is available in the:
Office of Human Resources
(Learning Resource Center, ext. 5270)
Graciela Dufour, Director
Lori Misheck, Assistant Director
Debbie Plese, Benefits Specialist
Janice Coats, Secretary
Norene Tierney, Secretary
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