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.

雇员可以选择PPO或HMO医疗保险计划。PPO选项目前包括注册健康报销账户(HRA)。HRA目前由该大学资助。员工将获得一张借记卡用于符合条件的支出。

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

大学为所有符合条件的全职员工提供牙科DPPO与Ortho，牙科DPPO计划，和牙科DHMO计划。雇员可在税前或税后支付牙科保费。员工可以选择一个高级护理PPO选项，那里有自由看任何牙医，与最大的覆盖与大型PPO网络的供应商，和综合护理HMO选项，在网络只有计划功能。所有的牙科计划都是100%员工支付的。

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.

当雇员有资格获得长期残疾，并且他/她之前接受大学403(b)计划的贡献，他/她有资格获得每月的年金保费福利。这项福利相当于每月工资基数的12%，将计入TIAA年金。

Long Term Care Insurance

非工会雇员及其家庭成员可以以折扣价获得长期护理保险。员工支付全额保险费。我们现在的经纪人RetirementGuard可以提供指导，帮助员工了解可用的选择。For more information, visitretirementguard.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.

Related Information

This policy does not have related information at this time. Upon periodic policy review this area will be evaluated to determine if additional information is needed to supplement the policy.

Document History

• Last Reviewed Date: January 19, 2018
• Last Revised Date: January 19, 2018
• 政策发放日期:Not known

Who Approved This Policy

Karen Loiacono, Director of Total Rewards