Pdf benefits for non represented staff

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Title: Benefits for Non-Represented Staff
Author: October 2018
Creator: Microsoft Word 2016
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CreationDate: Mon Jul 22 09:54:31 2019
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Benefits for Non-Represented Staff
Updated 07/22/2019
Contents
Eligibility for Benefits ....................................................................................................................... 1
Summary of Benefits for Regular Active Staff................................................................................... 3
Enrolling in Benefits ......................................................................................................................... 4
Outline of Benefits ........................................................................................................................... 5
Health Insurance .......................................................................................................................... 5
Dental Insurance .......................................................................................................................... 7
Flexible Spending Account (FSA)................................................................................................... 8
Group Life Insurance .................................................................................................................... 9
Long-Term Disability Insurance Benefits..................................................................................... 11
Retirement Savings Plan - 403(b)............................................................................................... 13
Retirement Savings Investment Options .................................................................................... 14
Section 457(b) Voluntary Excess Retirement Savings Plan.......................................................... 14
Tuition Remission ....................................................................................................................... 14
Re-Employment and Your Benefits ................................................................................................ 20
Cost of Benefit Coverage................................................................................................................ 21
Retirement from UVM and Your Benefits ...................................................................................... 24
Summary of Eligibility for Retirement Benefits by Benefit Service Date: .................................... 24
January 1, 2012 and after ....................................................................................................... 25
After June 30, 1997 but Before January 1, 2012 ..................................................................... 28
After June 30, 1992 but Before July 1, 1997 ........................................................................... 28
Before July 1, 1992 ................................................................................................................. 30
Change in Employment Status (Leaves) ......................................................................................... 31
Qualifying Life Events ................................................................................................................. 31
Leaves ........................................................................................................................................ 31
Termination of Employment Due to Long-Term Disability.............................................................. 34
Termination of Employment .......................................................................................................... 36
Death Benefits - Active Employees................................................................................................ 38
Workers' Compensation................................................................................................................. 39
Unemployment Compensation ...................................................................................................... 41
Eligibility for Benefits
For benefit eligibility, there is a difference between full-time and part-time employees.
For benefit eligibility purposes, a full-time staff member is employed in a regular capacity, of at
least 75% of a 12-month work year of 37-1/2 or 40 hours per week (Groups A and C), or in a
regular capacity of 100% of an academic year of 9, 10, or 11 months for 37-1/2 or 40 hours per
week (Group B).
A part-time staff member is employed in a regular capacity of 50 - 74% of a 12-month work year
of 37-1/2 or 40 hours per week (Group E) or 50 - 99% of an academic year of 9, 10, or 11 months
for 37-1/2 or 40 hours per week (Groups D and F).
The following six groups of employees are eligible for UVM benefits:
Benefit Groups Defined
Months of Year Worked Full-Time Equivalency (FTE)
Full-time
Group A 12 months 100%
Group B 9, 10, 11 months (academic year) 100%
Group C 12 months 75 - 99%
Part-time
Group D 9, 10, 11 months (academic year) 75 - 99%
Group E 12 months 50 - 74%
Group F 9, 10, 11 months (academic year) 50 - 74%
Dependent Eligibility
UVM employees may wish to apply for benefits for their dependent spouse, civil union partner,
or dependent children. In order to qualify, dependents must meet the eligibility conditions of the
University's health, dental, and life insurers. The following summarizes those conditions:
Dependents are considered qualified dependents if they are the spouse, civil union partner, or
dependent child of the employee. The University reserves the right to request from the
employee, at the employee's expense, an opinion from a qualified attorney attesting to the
validity of the marriage or civil union. The University further reserves the right to seek an
independent verification of validity. The University also reserves the right to require proof of
legal responsibility for dependent children.
A qualified dependent child is under 26 years of age and:
a natural child of an employee; or
a legally adopted child of an employee; or
a stepchild, foster child, or any other child for whom an employee has legal guardianship
Qualified dependent children are covered until the end of the month in which they turn 26.
Eligibility may be extended to a child with a disability which renders the child incapable of self-
support because of physical or mental disability, if approved by UVM's health insurer based on
the following criteria:
The dependent must have been eligible for and enrolled in benefits prior to their 26th
birthday and such disability must occur or exist on the date eligibility would normally
end.
Proof of such disability must be provided to the plan administrator (The University) or the
insurer prior to the child's 26th birthday, or in any event, no later than 20 calendar days
following age 26. If approved, eligibility for such a child will be continued as long as the
disability exists. Proof of continued disability may be periodically required.
Who Is Not Eligible?
The following are not eligible for benefits other than those legally mandated, such as Workers'
Compensation, Unemployment Compensation, and Social Security. (Benefits for postdoctoral
fellows, postdoctoral trainees and associates are not covered in this handbook.)
1. Regular faculty or staff members who work less than 50%
2. Temporary Employees
3. Graduate teaching fellows
4. Graduate teaching assistants
Summary of Benefits for Regular Active Staff
This is a summary of the benefits for active employees, groups A-F, organized by benefit groups.
See Eligibility for Benefits section for definitions of groups. UVM reserves the right to change,
amend, or terminate these benefits at any time. In the event of a discrepancy between what
appears in this document and the individual insurance subscriber certificate, the insurance
subscriber certificate of a fully insured plan will govern. This includes health, dental, life, and
short-term & long-term disability insurance.
Life Long-Term Short- Retirement Plan Tuition
Term
Groups Health Dental Insurance Disability Disability 403(b) Remission
Employee
Eligible to Contribution: Employee
Eligible to Eligible Upon
Eligible 1st of Enroll Upon Participate Upon Hire Date; See
A - C Eligible Upon Eligible After the Month First Hire Date Tuition
6 months of Eligible Upon After 1 year Benefit UVM's Remission
Hire Date Employment Hire Date of Open Contribution: Section for
Employment Enrollment Eligible After 3 Dependent
Period Years of Eligibility
Following Employment
Hire Date
Employee
Eligible After Contribution:
1 Year of Eligible to
Employment Eligible After Participate Upon
1 year of Eligible After Hire Date
NOTE: May Employment 1 Year of Employee Employee Reduced Benefit
D Participate in Employment Not Eligible Not Eligible UVM
First Year, Contribution:
But Must Pay Eligible After 3
100% of Years of
Premium Employment
Employee is
Eligible to
Participate with
Eligible After Eligible After Employee Employee Employee Own Reduced Benefit
E & F 1 Year of 1 Year of Not Eligible Not Eligible Not Eligible Contributions
Employment Employment Upon Hire Date;
No University
Contribution
Enrolling in Benefits
In order to enroll in UVM benefits, you must complete and sign the appropriate enrollment
forms and submit them to Human Resource Services. Enrollment forms for all insurances, with
the exception of the 403(b), must be completed and turned into Human Resource Services at
New Employee Orientation.
Employees changing coverage due to a qualifying event have 20 days to submit proof of the
qualifying event, along with the appropriate paperwork to Human Resource Services, to avoid
delay in enrollment status. In the event your do not submit paperwork within 20 days of the
qualifying event, you will have to wait until the next open enrollment period to make any
changes to your benefits.
Outline of Benefits
Health Insurance
The health insurance options offered to Benefit Groups A-F (see Eligibility Chart for waiting
periods) are as follows:
UVM Open Access Plan (through BlueCross BlueShield of Vermont):
Participants who live in Vermont are required to select a Primary Care Physician (PCP)
from a list of doctors who are in the Blue Card PPO network.
o Each individual on the plan may select a different PCP.
Participants who live outside of Vermont are not required to select a PCP, but they too
must use the Blue Card PPO Network when seeking care.
Find a PPO Network physician at member/MemberBenefits/FindADoctor.html
You have the option of seeking medical treatment from an in-network hospital or physician or
from an out-of-network hospital or physician. Please refer to the Summary Plan Description and
BCBS website for details of in-network and out-of-network providers.
One advantage of the BlueCross BlueShield plan is that you can go to any physician or acute care
short-term general hospital worldwide. However, the plan will pay only reasonable and
customary charges. If the provider does not participate in the local BlueCross BlueShield plan
and the charges are above reasonable and customary, you must pay the difference.
Prescription drug coverage is provided through a pharmacy network managed by Express Scripts
under contract with BCBSVT. An optional mail-order prescription drug program through Express
Scripts is available for people who use maintenance drugs. You may call Express Scripts toll-free
through BCBS Customer Care number at 888-222-7886. Press 1 to reach an available customer
service agent who can help you with placing or re-filling your prescription, and have your
member ID number ready.
For non-represented staff members and their qualified dependents, health insurance coverage will
begin the first day of employment in a benefits-eligible position (Groups A, B&C).
For groups D, E, and F there is a one-year waiting period to enroll in health insurance with
employer cost-share; however, you have the option to enroll and pay 100% of the premium for
the first year if you elect to do so upon hire. You should expect to receive your insurance cards
within 2-3 weeks. If you do not receive Blue Cross health insurance cards in the mail within 3
weeks, please contact Human Resource Services.
To see the current UVM Open Access health plan coverage chart, click here.
For more details on what your plan covers, read the Summary Plan Description of UVM Open
Access Healthcare Plan.

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