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*  Medical Insurance:  Contributory; choice of 3 plan options with United Healthcare (UHC):  Enriched, Core and Basic.    All plans are open access point-of-service network plans.  Participation is voluntary, and is subject to a waiting period.

*  Dental Insurance:  Employees enrolled in any of the above medical plans are automatically covered on Base Dental Plan at University cost.  Optional coverage for spouse and/or dependent children at employee cost.  Buy-up plan is also available.  Eligibility is subject to a waiting period.

*  Pre-Tax Medical/Dental Premium Contribution:  Payroll contributions for medical and dental insurance are deducted on a pre-tax basis, providing a saving to the employee on federal, state and FICA taxes.  Employees have the option to elect post-tax deductions.

*  Flexible Spending Accounts (FSA):  Available as optional benefit for pre-tax employee contributions for health care or dependent care spending accounts.  Participation is subject to a waiting period.

*  Basic Life and AD&D Insurance:  Benefit equal to one times annual salary; at University cost.  Eligibility is subject to a waiting period.

*  Supplemental Life Insurance:  Optional benefit, available at employee cost; subject to a waiting period.  Medical underwriting approval by the insurance company may apply.

   Long-Term Disability Insurance:  Basic income benefit coverage in case of total disability, at University cost, after one year of continuous employment. 

   Retirement Plan:  403(b) defined contribution plan.  Participation is voluntary and is subject to a one year waiting period.  Eligibility for participation will be determined based on meeting eligible service requirements and immediate prior employment at educational institution employer.  Plan is contributory; employee contribution of 5% of base pay required for University matching contribution of 8% of base pay.  Fully and immediately vested.  

   Voluntary Supplemental Tax-Deferred Retirement Savings:  403(b) plan.  Available for voluntary/ additional tax-deferred employee contributions as an optional benefit, as of the first of the month following date of employment.  No University match on voluntary supplemental contributions.

   Tuition Remission:  Starts at 50% of available benefit in first year of employment and increases to 75% in second year and 100% in the third year for employee tuition.  There are also limits to the number of courses/credits available each semester.  Dependent tuition benefit starts at 25% and goes to 100% in the fourth year of employment. 

   Vacation:  A) Pro-rated during the first fiscal year; earned at 10 days for each fiscal year of employment.  Increases to 15 days after completing five years of service, and to 20 days following ten years of service.  Details in the Employee Policy Handbook.  B)  Employees on less than 12 months employment basis are not eligible for vacation benefit.

* New employees will be eligible for medical, dental, basic life/AD&D insurance, supplemental life insurance coverage and for FSA participation, as of the first of the month coinciding with or following 30 days of employment.

NOTE:  The University reserves the right to review and/or amend the benefits plans at any time, in whole or in part, without prior notice to participants, including but not limited to changing eligibility criteria, scope of coverage or plan coverage costs, and imposing limits on or restricting or eliminating covered expenses.  The University also reserves the right to terminate or discontinue any benefit plan, in whole or in part, at any time without prior notice to participants.

Rev. December 2006