Your Benefits
Professional & Scientific, Institutional Officials,
Academic Administrators, Merit Supervisory & Confidential Staff
Welcome to the University of Northern Iowa!
UNI employees are among the University’s most
valued resources; we recognize their worth by
providing them with the best benefits and
customer service possible.
UNI Benefits Department
The Benefits Department is located in
Human Resource Services – 027 Gilchrist
Benefits Staff
• Therese Callaghan
– Employee Health and Well-being Coordinator
• Miranda Cornish
– Secretary III
• Jesse Lahmann
– Benefits Specialist
• Cindy Webb
– Benefits Administrator
More Information is available on the Human Resources website
Disability and Leave Services
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ADA Concerns
Disability Accommodations
Family Leaves
Medical Leaves
Catastrophic Leave Program
Work Related Injuries
Long-Term Disability
Campus Accessibility
Return-to-Work
How do I request an accommodation?
• http://www.uni.edu/hrs/mybenefits/ac
commodations
• Employee Returns Completed
– Accommodation Request Form
– Documentation of Disability
Accommodations
• Interactive Process
– Accommodation examples
• Response to employee of agreed
accommodation
What do I do if I’m injured at work?
• Worker’s Compensation Website:
http://www.uni.edu/hrs/mybenefits/workerscomp
• Let your supervisor know of your injury
– Complete First Report of Injury
– Go to Occupational Health Provider if necessary
– E-mail: WorkComp@uni.edu
What if I need to take Leave?
• www.uni.edu/hrs/mybenefits/fmla
• Eligibility
– 1250 hours worked in the last year
– 12 months of service
Reasons & types of Leave
• Qualifying Reasons for FMLA
Own Serious Health Condition
What is a Serious Health Condition?
To provide care for a Parent, Child (under 18 or
disabled), or Spouse with a Serious Health
Condition
Reasons Continued
Incapacity due to pregnancy, prenatal medical
care, or child birth
Care for an employee’s child after birth, or
placement for adoption or foster care
Military Leave Entitlements
How do I apply for FMLA?
• Forms Needed:
– Leave Request Form
– Certification of Health Care provider
– Return-to-Work Release
FMLA pamphlet
Family Caregiving Leave
• Recorded Presentation
• Questions on use of this leave?
Use of Sick Leave
• Employees may use accrued sick leave for
personal illness (both physical and mental),
bodily injuries, medically related disabilities
resulting from pregnancy and childbirth, or
exposure to contagious disease
• Subject to supervisor approval
Drug- Free Workplace
• Drug – Free Workplace Brochure
• Employee Assistance Program
Employee Wellness
• The employee wellness program includes:
– Free flu vaccines
– Free biometric health screenings
– Free smoking cessation services
– Employee wellness resource center
– Health and wellness challenges
– Educational learning opportunities
HEALTH INSURANCE
Who May Be Covered?
• Yourself
• Your Spouse
– Common law spouse or domestic partner
• Children
– Under age 26
– Unmarried fulltime student
– Qualified children over age 26 who are totally and
permanently disabled
Health Insurance
Wellmark Blue Cross Blue Shield
• Eligibility Requirements:
– 20 or more hours a week with an appointment for 9
months or longer
• Date Coverage Begins:
– First day of the month following the date of
employment
• Pre-Existing Conditions:
– No waiting periods
• Submit health/dental enrollment form within 30
days after your date of employment
UNI PPO
HEALTH INSURANCE PLAN
UNI PPO Insurance Plan
• Preferred Provider Organization (Alliance Select PPO)
• Selecting an in-network health care provider
may mean you will pay less for out-of-pocket
expenses
• In Iowa:
– 100% of the hospitals participate in Alliance Select
– 99% of the providers participate in Alliance Select
• View Coverage Manual
UNI PPO Insurance Plan
Health Care Across the Country and Around the World
90%
of Hospitals
80%
of Physicians
In 200 countries
Find a Doctor or Hospital
Iowa Provider Search
www.wellmark.com
UNI PPO Coverage
Service
In-Network
Out-of-Network
Annual Deductible
$300 – Single
$600 – Family
$600 – Single
$1,200 – Family
Physician Office Visits
$15 copay
30% coinsurance, after
deductible
Inpatient Hospital &
Physician
10% coinsurance, after
deductible
30% coinsurance, after
deductible
Outpatient Hospital &
Physician Services
10% coinsurance, after
deductible
30% coinsurance, after
deductible
Covered at 100%
30% coinsurance, after
deductible
Preventive Care –
• Routine Physicals
• Annual GYN Exams
• Well Child Care
• Immunizations
• Mammograms
UNI PPO Coverage
Service
In-Network
Out-of-Network
30% coinsurance, after
deductible
Chiropractic Care
$15 copay
Prescription Drugs
Generic - $10 copay
Brand Formulary - $25 copay
Brand Non-Formulary - $40
Specialty - $55 copay
Routine Annual Eye
Exam
Covered at 100%
30% coinsurance, after
deductible
Emergency Room
10% coinsurance, after
deductible
10% coinsurance, after innetwork deductible
Maternity Care
• Physician’s Charges
• Hospital Charges
10% coinsurance, after
deductible
30% coinsurance, after
deductible
Same as In-Network Rx
copays plus “balance billed”
UNI PPO Coverage
Service
In-Network
Outpatient treatment – 10% coinsurance,
after deductible
Mental Health/Chemical
Dependency
Out-of-Pocket Maximum
Prescription Out-ofPocket Maximum
Lifetime Benefit
Maximum
Inpatient services – 10% coinsurance, after
deductible
$1,500 - Single plan
$3,000 - Family plan
• All deductibles, coinsurance, and office
visit copay applies to OPM.
• Once out-of-pocket maximum is met, all
covered services are paid at 100% for
remainder of calendar year.
Out-of-Network
Outpatient treatment - 30% coinsurance
Inpatient services – 10% coinsurance after
satisfying the in-network deductible; 30%
coinsurance after satisfying the out-ofnetwork deductible
Same
• $1,600 single plan Prescription Drugs
• $3,200 family plan Prescription Drugs
Same
No Maximum
No Maximum
UNI BLUE ADVANTAGE
HEALTH INSURANCE PLAN
UNI Blue Advantage
• Managed Care Organization
• Iowa/South Dakota Network
– Designate an in-network provider
– Generally, benefits available only when received
from PCP or network providers
– 100% of hospitals and 98% of physicians in Iowa
participate in the Blue Advantage Network
– In-network referrals are covered
• View Coverage Manual
UNI Blue Advantage Network
• Emergency Care When Traveling
– No coverage outside of the Iowa/South Dakota
network, unless:
• Accidental Injury
• Emergency
• Case Management Referral
Primary Care Providers (PCP)
• Designate an in-network PCP when you
enroll
– PCP’s Include:
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General & family practitioners
Doctors of internal medicine (internists)
Pediatricians
Advanced Registered Nurse Practitioners (ARNP)
Physician’s Assistants
Primary Care Providers (PCP)
• Females may also choose a secondary innetwork PCP (OB/GYN) to coordinate care
• Routine physical must be completed by a
PCP or OB/GYN
• PCP’s can be changed at any time.
– Effective date of change is the first of the next
month
– Contact Wellmark customer service to update
your PCP
Guest Membership
• Outside the Wellmark Blue Advantage
network for at least 90 days:
– Traveling long-term
– Covered dependents attending college out-ofstate
– Covered family members living apart
• Not all services are covered
• Must designate a PCP for out-of area
location
UNI Blue Advantage Coverage
Service
Benefit
Physician Office Visits
$10 Co-payment
Inpatient Hospital & Physician
10% Coinsurance
Outpatient Hospital &
Physician
10% Coinsurance
Preventive Care – Routine
• Physicals
• Annual GYN Exams
• Well Child Care
• Immunizations
• Mammograms
Routine Annual Eye Exam
Paid in full without co-payment or
coinsurance. Physical exams are paid
on a specific schedule.
$10 Copayment
UNI Blue Advantage Coverage
Service
Benefit
Chiropractic Care
$10 Copayment - up to 12 visits/
person per year without a referral
from PCP
Other Covered Services
10% Coinsurance
Prescription Drugs
$5 Copayment for generic drugs
$10 Copayment for name brand
drugs
*Mail order program available
Emergency Room
$50 Copayment unless admitted
Maternity Care
• Physician’s Charges
• Hospital Charges
Paid in full
10% Coinsurance
UNI Blue Advantage Coverage
Service
Mental Health/Chemical
Dependency
Benefit
Outpatient treatment - paid at 100%
after $10 copayment
Inpatient treatment paid at 90%
Out-of-Pocket Maximum
Prescription Out-ofPocket Maximum
Lifetime Benefit
Maximum
$500 Single plan
$1,000 Family plan
• Coinsurance applies to out-of-pocket
maximum.
• Once you reach your out-of-pocket
maximum all covered services are paid
at 100% for the remainder of the
calendar year
• $1,000 single plan Prescription Drugs
• $2,000 family plan Prescription Drugs
No Maximum
Mail Order Prescription Drugs
• Employees enrolled in UNI PPO or UNI Blue
Advantage are eligible
• Receive three months of a prescription for
two monthly co-payments
– Convenient and safe prescription mail order service
through Immediate Pharmaceutical Services
Health Insurance Premiums
December 31, 2014 – November 30, 2015
Employee Pays
UNI PPO
Single
$0.00
Family
$255.80
Double Spouse*
$127.90
Employee and Domestic Partner**
$255.80
UNI Blue Advantage
Single
$0.00
Family
$192.80
Double Spouse*
$64.90
Employee and Domestic Partner**
Rates are based on 1/12
$192.80
* Both spouses work in positions
that make them eligible for
benefits at UNI.
** Must met certain criteria and
complete and sign an “Affidavit
of Domestic Partnership.”
DENTAL INSURANCE
UNI Dental Plan 2 Coverage
• Preventive Maintenance Care –
Delta Dental pays 100%
• Routine Restorative Care and Surgical Care –
Delta Dental pays 80%
• Major Restorative Care and Dental Prostheses –
Delta Dental pays 50%
• Maximum Annual Benefit –
$1,500 per person per calendar year for all services
combined
• Orthodontic Care –
50% up to a $1,500 lifetime maximum per member
• View Coverage Manual
Dental Insurance Premiums
December 31, 2014 – November 30, 2015
Employee Pays
UNI Dental Plan 2
Single
$6.00
Family
$54.50
Double Spouse*
$47.00
Employee and Domestic Partner**
$54.50
Rates are based on 1/12
* Both spouses work in positions
that make them eligible for
benefits at UNI.
** Must met certain criteria and
complete and sign an “Affidavit
of Domestic Partnership.”
Pre-Tax Premium Plan
• Allows employees to pay family health and/or
dental insurance premiums with pre-tax dollars
• Premium is deducted before federal and state
income tax, and FICA taxes are calculated
• Participation limits the changes that can be
made to plans during the plan year
Adding/Dropping Dependents
• Life Events
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Birth, adoption, or placement for adoption
Marriage
Spouse loses and/or gains coverage
Death
Divorce
• To change your benefits, you must notify UNI
within 31 days of the life event
– In the case of birth, adoption, or placement for
adoption, you must notify UNI within 60 days of the
event.
Open Enrollment Periods
• Changes and new enrollments are effective
on January 1st for:
– Health Insurance
– Dental Insurance
– Vision Insurance
– Flexible Spending
VISION INSURANCE
Avesis Vision Plan
• Nationwide network of providers
• Pre-tax payroll deduction
• Covers materials only
– Includes glasses or contacts
– Reminder: an eye exam is covered under your
health insurance plan
– Monthly Premium:
• Employee Only - $8.56/month
• Employee + Family - $19.70/month
Avesis Vision Plan
Coverage
In-Network
Out-of-Network
Contacts
$130 for materials & services
$130 for materials & services
Frames
Any frame with an approximate retail value of
$100 - $150 per year
• One $10 co-pay for materials (includes frames
& lenses)
$45 reimbursement
Lenses
• Standard lenses covered at 100%
• Specialty Lenses – 20% off retail
• Progressive Lenses – 20% off retail + $50
allowance
Reimbursement rate ranges from
$25 - $80 depending on the type
of lens
Lasik
$150 lifetime allowance + discount
$150 lifetime allowance
EyeMed Vision Discount
• If you are enrolled in Delta Dental of Iowa,
you are eligible for a vision discount program
through EyeMed Vision Care at no extra cost
– Visit Delta Dental for more details on the
discounts offered and a list of participating
providers
• You’re automatically enrolled
– This discount program does not work in
conjunction with Avesis; you must use one or
the other
LIFE INSURANCE
Life Insurance
• Eligibility:
– 20 or more hours a week with an appointment
for 9 months or longer
• Date Coverage Begins:
– Automatic enrollment on the date eligibility
requirements are met
• Cost:
– Full premium is paid by UNI
• View Coverage Manual
Life Insurance
• Coverage is 1.5 times the employee’s annual
budgeted salary up to a maximum benefit of
$250,000
– Life insurance benefit reduces by 35% at age 65
• Beneficiary:
– Complete a Beneficiary Designation Form and
update your beneficiary as necessary
Voluntary Term Life Insurance and AD&D
• Voluntary term life insurance (VTL) and
accidental death & dismemberment (AD&D)
coverage is available to employees, spouses,
and children
– Through Principal Life Insurance Company
• Monthly payroll deduction withheld after-tax
• View Coverage Manual
AD&D
• AD&D coverage is automatically included for
those covered under the voluntary term life
insurance
– Benefits will equal the voluntary life insurance
coverage elected
Voluntary Life – Employee
• Employee Coverage Amounts:
• Minimum amount: $10,000
• Maximum amount: $300,000
– Purchase benefits in $10,000 increments
– Guaranteed coverage under age 70 is $300,000
– Guaranteed coverage age 70 and over is $10,000
Voluntary Life - Spouse
• Employee coverage is required for spouse to
elect coverage
• Spouse Coverage Amounts:
• Minimum amount: $5,000
• Maximum amount: $50,000
– Purchase benefits in $5,000 increments
– Guaranteed coverage under age 70 is $50,000
– Guaranteed coverage age 70 and over is $10,000
Voluntary Life - Children
• Child Coverage Amount
– For eligible children age 14 days or older:
• $10,000 of coverage – number of children covered is
unlimited
• $2.00 per family/month
– For eligible children under 14 days of age:
• Employees who elect the coverage receive $1,000 of
coverage
VTL and AD&D Rates
Age
Monthly Rate
29 & Under
$.68 per $10,000
30-34
$.78 per $10,000
35-39
$1.01 per $10,000
40-44
$1.35 per $10,000
45-49
$2.01 per $10,000
50-54
$3.09 per $10,000
55-59
$5.05 per $10,000
60-54
$7.69 per $10,000
65-69
$14.02 per $10,000
70 & Over
$27.96 per $10,000
Voluntary Life – Portability
• If an employee leaves UNI, they can continue
their voluntary term life coverage
– Rates will remain the same as the UNI group
rates for at least 12 months
LONG TERM DISABILITY COVERAGE (LTD)
LTD Insurance
• Eligibility:
– 20 or more hours a week with an appointment
for 9 months or longer
• Cost:
– Full cost is paid by UNI
• Coverage begins on date of hire
LTD Insurance
• Provides salary replacement if an employee is
totally disabled
– If approved, benefits would be 66 2/3% of salary
– Maximum monthly benefit of $6,666
• Benefits begin the later of 90 working days or
expiration of all accrued sick leave
LTD Insurance Retirement Protection Plan
• Continues retirement contributions and life
insurance for employees who qualify for
disability benefits and are enrolled in TIAACREF
– Coverage is automatic and the premium is paid
in full by UNI
FLEXIBLE SPENDING ACCOUNT
Pre-Tax Spending Accounts
• Allows employees to put pre-tax
contributions into a spending account to be
reimbursed for dependent care and/or noncovered medical, dental, and vision expenses
• Eligibility:
– 20 or more hours a week with an appointment
for 9 months or longer
• Maximum contribution $2,550
Dependent Care Spending Account
• Used to reimburse dependent care expenses
incurred
– Maximum contribution is $5,000 per year per
family
– Minimum contribution is $20 a month
• Expenses are reimbursed as funds accrue in
the account
– All expenses must be incurred by March 15
following the end of the calendar year
Health Care Spending Account
• Used to reimburse medical, dental and vision
expenses not covered by insurance plans
– Maximum contribution is $2,550 per year
– Minimum contribution is $20 a month
• Expenses are reimbursed when they are
incurred up to the annual contribution level
– All expenses must be incurred by March 15
following the end of the calendar year
• Debit Card ($12 annual card fee)
RETIREMENT OPTIONS
UNI Retirement Programs
• The State of Iowa requires all state employees to
participate in an approved retirement program:
– Iowa Public Employees Retirement System (IPERS)
or
– Teachers Insurance and Annuity Association/College
Retirement Equities Fund (TIAA-CREF)
• If you do not choose a retirement program, you will
default to IPERS
IPERS
Iowa Public Employees Retirement System
• A defined benefit program administered by
the State of Iowa
– UNI contributes: 8.93% of paid salary
– Employee contributes: 5.95% of paid salary
• Employee is vested after seven years of
service or age 65
TIAA-CREF
Teachers Insurance and Annuity
Association/College Retirement Equities Fund
• Defined contribution program
– UNI contributes: 6 2/3% of the first $4,800 of
earnings, 10% of all earnings over $4,800
– Employee contributes: 3 1/3% of the first $4,800 of
earnings, 5% of all earnings over $4,800
• Contributions increase to 10% for UNI and 5%
for employees after five years of participation
• Immediate vesting in contributions
Supplemental Retirement Annuity (SRA)
• Employees may elect to make additional pre-tax
or after-tax monthly contributions to a
Supplemental Retirement Annuity
• SRA’s are available through approved vendors
– After-Tax Roth Option through TIAA-CREF
• Contribution limit for SRA is $18,000
– Over 50 “catch-up” contributions: $6,000
UNI EMPLOYEE WELLNESS
ADDITIONAL INFORMATION
COBRA Notification
• Employees and their dependents may be
eligible to continue coverage for up to 18 or
36 months if there is a qualifying event
Long Term Care Insurance
• Covers expenses for long term care services
received at home, in the community, or in a
nursing facility
• Coverage is portable, so it can move with you
if you change jobs, retire, or leave UNI
• Genworth Financial
Other UNI Benefits
• Employee Assistance Program
• Sick Leave & Vacation
• Holidays
Enrollment Forms
Human Resources must receive the following
forms within 30 days after your date of
employment:
• Health/Dental Enrollment Form
• Retirement Election
• Life Insurance Beneficiary
Your Benefits
Professional & Scientific, Institutional Officials,
Academic Administrators, Merit Supervisory & Confidential Staff