University Resources, Operations and Policies

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    Benefit Insurance Plans


    Policy Statement

    The University offers eligible employees, retirees, and dependents a diversified suite of benefit plans (“Benefit Plans”) from which they may elect coverage.


    Reason for Policy

    The purpose of this policy is to define the parameters by which University-provided benefits become available, the limits of these benefits and the conditions under which the benefits might become forfeited.


    Who Is Governed by this Policy

    Faculty and Staff


    Policy

    Adelphi University provides a comprehensive benefit insurance package (health and welfare) for its eligible employees.

    Employees who choose to participate in the University’s insurance plans are required to pay a portion or all of the premium costs as applicable. The full terms and conditions of all group benefit insurance plans are contained in the plan documents and shall be referred to for the final resolution of any issue that may arise regarding the plans.

    All full-time non-union employees are covered. Part-time employees may be eligible for certain benefits depending on the number of hours worked. Full-time and part-time union represented employees are covered to the extent indicated in their collective bargaining agreements.

    Eligible employees who elect coverage in the group insurance plans will be covered on the first of the month following hire date or as of the first of the month if hire date is on the first.


    Medical Insurance

    Employee contributions toward medical insurance is a percentage of the premium. The amount required for union represented employees is included in the provisions of the collective bargaining agreement. Employees are eligible the first day of the month following their date of hire.

    Employees have a choice of either a PPO or an HMO medical insurance plan. The PPO option currently includes enrollment in a Health Reimbursement Account (HRA). The HRA is currently funded by the University. Employees will receive a debit card to use for eligible expenses.

    The University reserves the right to change carriers and modify the medical insurance plans in the interests of quality and in terms of cost.


    Dental Insurance

    The University offers all full-time eligible employees a Dental DPPO with Ortho, a Dental DPPO plan, and a Dental DHMO plan. Employees can pay the dental premiums on a pre-tax or post-tax basis. Employees can choose one of the Premium Care PPO options where there is freedom to see any dentist, with maximum coverage being with the large PPO network of providers, and a Comprehensive Care HMO option that has in network-only plan features. All dental plan options are 100% employee paid.


    Vision Insurance

    The University offers all full-time eligible employees the option to enroll in the Vision Plan. The Employee pays the full premium for Vision Insurance. Employees can elect individual or family coverage.


    Life Insurance

    All eligible employees (full-time non-union and union according to the applicable CBA) currently receive twenty thousand dollars ($20,000) in non-contributory life insurance, with the premiums paid by the University. Eligible employees also have the option of purchasing contributory life insurance in the amount of three times their annual salary at group rates to a maximum coverage of three hundred thousand dollars ($300,000) without evidence of insurability and up to a maximum of five hundred thousand dollars ($500,000) with evidence of insurability. Any amount requested above $300,000 requires evidence of insurability. Employee contributions are based upon age and the amount of coverage.

    Spouse group life insurance of $5,000 may be purchased for an eligible spouse and the contributions are based on the age of the spouse. Eligible children can be covered for one thousand dollars ($1,000) for each eligible child and the contribution is a flat dollar amount (regardless of the number of children).


    Accidental Death and Dismemberment

    Accidental Death and Dismemberment insurance may be purchased by employees who elect contributory life insurance. The amount of coverage is the same as the amount of coverage for contributory life insurance. Various amounts are paid for loss of limb(s) or sight.


    Long Term Disability Insurance

    Long term disability insurance is provided to all eligible employees on a contributory or non-contributory basis. After one-hundred-eighty days of continued disability, employees under age sixty two are eligible to receive sixty percent of their base monthly salary to a maximum benefit of four thousand dollars ($4,000) per month if the University is paying the premium or fifteen thousand dollars ($15,000) per month if the employee is paying the premium through age sixty five (65) if still disabled. Employees age sixty-three (63) and over are eligible for this benefit on a prorated basis. Offsets such as social security disability and/or worker compensation are factored into the monthly calculation. If the University pays the premium, any benefit is taxable to the employee. If the employee pays the premium, the benefit is non-taxable.

    When an employee becomes eligible for Long Term Disability and he/she was previously receiving the University contribution to the 403(b) plan, he/she becomes eligible for the monthly Annuity Premium Benefit. This benefit equals 12% of monthly wage base to be credited to TIAA annuities.


    Long Term Care Insurance

    Long-term care insurance is available to non union employees and their family members at discounted rates. Employees pay the full premium. RetirementGuard, our current broker, can provide guidance to help employees understand the options available. For more information, visit retirementguard.com/adelphi


    Definitions

    Eligible employees includes all full time employees for purposes of group insurance. Eligible employees for Long Term Care Insurance includes only non-union employees.


    Procedures

    Eligible employees must enroll within 30 days of eligibility date. Employees who elect coverage in the group insurance plan(s) will be covered on the first of the month following hire date or as of the first of the month if hire date is on the first.


    Forms

    All applicable enrollment forms are distributed during new hire orientation.


    Policy Owner

    Karen Loiacono
    Director of Total Rewards
    Levermore Hall, Room 203
    p – 516.877.3229
    e – loiacono@adelphi.edu

    Secondary Contact

    Joanna Ocampo
    p – 516.877.3221
    e – ocampo1@adelphi.edu


    Document History

    • Last Reviewed Date: January 19, 2018
    • Last Revised Date: January 19, 2018
    • Policy Origination Date: Not known

    Who Approved This Policy

    Karen Loiacono
    Director of Total Rewards

     

    Schools/Departments:

  • Office of Human Resources
  • Categories:

  • Employment/Human Resources
  •  
     
     
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