Docstoc

Summary of Benefits - University of South Florida St. Petersburg

Document Sample
Summary of Benefits - University of South Florida St. Petersburg Powered By Docstoc
					              OFFICE OF HUMAN RESOURCES
               2011 SUMMARY OF BENEFITS
                                Pre-Tax Benefits
                               Health Insurance
Preferred Provider Organization (PPO) - Traditional Plan
  Plan Name:                    Blue Cross Blue Shield of Florida

                   Plan has network and non-network providers for physicians and hospital
                  services. Most services are covered at 80% when using network providers;
                      60% when using non-network providers. A six-month pre-existing
                                        condition exclusion may apply.
     Plan
                    Deductibles apply to hospital inpatient services, physician office visits,
   Summary:                  outpatient services and emergency room services.

                  Maximum out-of-pocket per year is $2,500.00 for individual or $5,000 for
                                     family for covered services.

                            Prescription Drug Retail Program is through Caremark

                  Please see benefits guide for more detailed information found on our HR
                                                  Website

   Bi-weekly                                 Full-Time Employees:
      Cost:                           Individual: $25.00 | Family: $90.00

   Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.

                     Enrollment Available first day of the month following employment.




1|Page
Health Maintenance Organization (HMO) - Traditional Plan
 Plan Name:    AvMed Health Plans Capital Health Plan UnitedHealthcare Plans




                    Plan only has in-network providers for physician and hospital services.
    Plan
                  A Primary Care Physician(PCP) is not required to be declared. Referrals are
  Summary:        not required for specialist office visits. No pre-existing condition exclusion
                                                      applies.
                   Capital Health Plan - is offered in Gadsden, Jefferson, Leon and Wallace
                                                      County
   Bi-weekly                                  Full-Time Employees:
      Cost:                           Individual: $25.00 | Family: $90.00
   Eligibility:   Support Staff, Administrative, Faculty and Eligible Dependents. Enrollment
                           Available first day of the month following employment.


Preferred Provider Organization (PPO) – Health Investor Health Plan (HIHP)
  Plan Name:                      Blue Cross Blue Shield of Florida

                   Plan has network and non-network providers for physicians and hospital
                       services. A six-month pre-existing condition exclusion may apply.
                    Deductibles apply to hospital inpatient services, physician office visits,
                  outpatient services and emergency room services, and prescription drugs.

                                             Annual deductible:
                        In-Network: $1,250.00 for individual or $2,500.00 for family.
                      Out-of-Network: $2,500.00 for individual or $5,000.00 for family.
     Plan           After out-of-pocket costs reach these maximums, plan pays 100% for
   Summary:                  covered care, in most cases, up to allowable costs.

                                Prescription Drug Retail Program (Caremark):
                      After deductible is met: plan pays 70% for in-network generic and
                                                preferred brand.
                             0% for out of network generic and preferred brand.
                     After deductible is met: plan pays 50% for in-network non-preferred
                                                     brand.
                                 0%for out of network non-preferred brand.
   Bi-weekly                                 Full-Time Employees:
      Cost:                            Individual: $7.50 | Family: $32.15



2|Page
   Eligibility:         Support Staff, Administrative, Faculty and Eligible Dependents.
                      Enrollment Available first day of the month following employment.

Health Maintenance Organization (HMO) – Health Investor Health Plan (HIHP)
  Plan Name: AvMed Health Plans Capital Health Plan    UnitedHealthcare
                   Plans
                    Plans have HMO provider networks for physician and hospital services.
                                 No pre-existing condition exclusion applies.
                   Captial Health Plan - is offered in Gadsden, Jefferson, Leon and Wallace
     Plan
                                                     County
   Summary:                               There are annual deductible.
                            Please see benefits guide for more detail information



   Bi-Weekly                                 Full-Time Employees:
      Cost:                            Individual: $7.50 | Family: $32.15
   Eligibility:         Support Staff, Administrative, Faculty and Eligible Dependents.
                      Enrollment Available first day of the month following employment.



                                LIFE INSURANCE
Group Life Insurance – Basic Life Insurance
 Plan Name:                         Minnesota Life Insurance

                           Death benefits will be paid to any beneficiary you name.

                    Your insurance will cease if you terminate employment or if you become
                  ineligible due to OPS employment. Conversion option to an individual policy
    Plan                                           is available.
  Summary:




  Bi-weekly                   100% is paid by the employer for a $25,000 policy
     Cost:
  Eligibility:                     Support staff, administrative and faculty.




3|Page
Group Life Insurance – Optional Life Insurance (POST-TAX)
 Plan Name:                        Minnesota Life Insurance

                 Term life insurance available in increments from 1x to 5x annual salary.

                   Monthly cost is based on the insured person’s age and the amount
                                               declared.
    Plan
  Summary:               Death benefit will be paid to any beneficiary you name.

                 Your insurance will cease if you terminate employment or if you become
                 ineligible due to OPS (temporary) employment. Conversion option to an
                                        individual policy is available.

  Bi-weekly                                     Variable
     Cost:
  Eligibility:                 Support Staff, Administrative, and Faculty.




4|Page
                      SUPPLEMENT PLANS
                      DENTAL INSURANCE
Dental HMO
 Plan Name:                                    Assurant

 Bi-weekly      Individual: $6.80 | Employees + Spouse: $11.49 | Employee + Child(ren):
    Cost:                               $14.87 | Family: $17.43

 Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.

 Plan Name:                                  CIGNA Dental

 Bi-weekly      Individual: $13.16 | Employees + Spouse: $23.66 | Employee + Child(ren):
    Cost:                                $27.84 | Family: $33.78

 Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.

 Plan Name:                              Comp Benefits (4004)

 Bi-weekly      Individual: $8.11 | Employees + Spouse: $21.59 | Employee + Child(ren):
    Cost:                               $25.74 | Family: $32.88

 Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.

 Plan Name:                             Comp Benefits Select 15

 Bi-weekly      Individual: $6.32 | Employees + Spouse: $10.60 | Employee + Child(ren):
    Cost:                               $11.50 | Family: $16.49

 Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.

 Plan Name:                              United Solstice Dental

 Bi-weekly      Individual: $5.46 | Employees + Spouse: $11.98 | Employee + Child(ren):
    Cost:                               $14.95 | Family: $20.99

 Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.




5|Page
Dental PPO
 Plan Name:                        Comp Benefits Preferred Plus (4054)
 Bi-weekly       Individual: $14.75 | Employees + Spouse: $27.29 | Employee + Child(ren):
    Cost:                                 $30.49 | Family: $44.28

 Eligibility:         Support Staff, Administrative, Faculty and Eligible Dependents.

Dental Indemnity with PPO
 Plan Name:                                      Ameritas

  Bi-weekly      Individual: $5.10 | Employees + Spouse: $10.38 | Employee + Child(ren):
     Cost:                               $13.50 | Family: $18.78

  Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.

 Plan Name:                                      Assurant

  Bi-weekly      Individual: $20.74 | Employees + Spouse: $39.81 | Employee + Child(ren):
     Cost:                                $46.92| Family: $62.07

  Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.

Dental Indemnity
 Plan Name:                              Comp Benefits Select B

  Bi-weekly      Individual: $7.37 | Employees + Spouse: $10.98 | Employee + Child(ren):
     Cost:                               $11.65 | Family: $18.55

  Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.




6|Page
     FLEXIBLE REIMBURSEMENT ACCOUNTS

Medical Reimbursement Account
 Plan Name:                 Medical Reimbursement Account

                   Pay for eligible out-of-pocket medical expenses on a pre-tax basis. You
                  elect to put money into the account based on the amount you expect to
                          spend on eligible medical expenses during the plan year.
                 You cannot change or cancel account during the plan year unless you incur
                                       a Qualifying Status Change (QSC).
                       You may contribute a minimum of $60.00, up to a maximum of
                                            $5,000.00 per plan year.
    Plan
  Summary:       You will receive a myMRA debit card which will allow you to pay for some
                 eligible health care expenses at the time of service instead of filing a claim.
                 • Prescriptions or letters of medical need are required for over-the-counter
                                                  medications.
                     You may also Submit receipts/invoices to People First on claim forms
                                    available in Human Resources or online.
                             Certain expenses are not eligible for reimbursement.

                                         Use it or lose it rule applies.
                                      FSA/HSA Enrollment Election Form
                                       FSA Reimbursement Claim Form
  Bi-weekly                               Determined by employee
     Cost:
  Eligibility:         Support Staff, Administrative, Faculty and Eligible Dependents.

Dependent Care Reimbursement Account
 Plan Name:              Dependent Care Reimbursement Account

                  Pay for eligible out-of-pocket dependent care expenses on a pre-tax basis.
                  You elect to put money into the account based on the amount you expect
                     to spend on eligible dependent care expenses during the plan year.
    Plan             Expenses incurred for dependents over 13 years old are not eligible.
  Summary:
                  You cannot change or cancel account during the plan year unless you incur
                     a Qualifying Status Change (QSC). You may contribute a minimum of
                   $60.00, up to a maximum of $5,000.00 per plan year if single or married,
                    or filing jointly. You may contribute $2,500.00 per plan year if married,

7|Page
                                               filing separately.

                 Submit receipts/invoices to People First on claim forms available in Human
                  Resources or online. Claim filing deadline is April 15 of the following year.
                           Certain expenses are not eligible for reimbursement.

                                        Use it or lose it rule applies.
                                     FSA/HSA Enrollment Election Form
                                      FSA Reimbursement Claim Form
  Bi-weekly                              Determined by employee
     Cost:
  Eligibility:         Support Staff, Administrative, Faculty and Eligible Dependents.

Limited Purpose Medical Reimbursement Account
  Plan Name:            Limited Purpose Medical Reimbursement Account

                    A Limited Purpose Medical Reimbursement Account lets you pay for
                  dental, vision, and preventative services and expenses on a pre-tax basis.
                    You must enroll in a Health Investor Health Plan (HIHP) and a Health
                                            Savings Account (HAS).
                   You may elect to put money into the account based on the amount you
                 expect to spend on dental, vision and preventative service expenses during
    Plan                              the plan year (January-December).
  Summary:        You cannot change or cancel the account during the plan year unless you
                                    incur a Qualifying Status Change (QSC).

                 You may contribute a minimum of $60.00, up to a maximum of $5,000.00
                                            per plan year.

                 Submit receipts/invoices to People Fist on claim forms available in Human
                 Resources or online. Claim filing deadline is April 15 of the following year.
                           Certain expenses are not eligible for reimbursement.

                                         Use it or lose it rule applies.

  Bi-weekly                               Determined by employee
     Cost:
  Eligibility:         Support Staff, Administrative, Faculty and Eligible Dependents.




8|Page
Health Savings Account
  Plan Name:                             Health Savings Account

                 A Health Savings Account lets you pay for eligible medical expenses on a
                  pre-tax basis. You must enroll in a Health Investor Health Plan (HIHP).

                  You may elect to contribute money into the account if you desire. Your
                    contribution is not mandatory. You can change your contribution
                 amount any time during the plan year. You may contribute a minimum of
                    $0.00, up to a maximum of $2,500.00 for single, and $5,950.00 for
     Plan                                        family.
   Summary:
                       For active employees only, there will be a monthly employer
                   contribution into the HAS of $41.66 for single coverage, or $83.33 for
                  family coverage, up to an annual contribution of $500.00 for single, or
                                           $1,000.00 for family.

                    Submit receipts/invoices to People First on claim forms available in
                     Human Resources or online. Certain expenses are not eligible for
                      reimbursement. Account balances carry forward year to year.


  Bi-weekly                              Determined by employee
     Cost:
  Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.




9|Page
Hospital Income
 Plan Name:                               Alta Insurance Company

                    Hospital insurance is an additional insurance plan to cover hospital
     Plan          expenses not covered by basic health insurance. These expenses may
   Summary:       include hospital deductible, room and board charges, co-payments and
                                              any special fees.

   Bi-weekly                                      Variable
      Cost:
   Eligibility:       Support Staff, Administrative, Faculty and Eligible Dependents.

  Plan Name:                            Philadelphia American Life


                    Hospital insurance is an additional insurance plan to cover hospital
     Plan          expenses not covered by basic health insurance. These expenses may
   Summary:       include hospital deductible, room and board charges, co-payments and
                                              any special fees.


   Bi-weekly                                      Variable
      Cost:
   Eligibility:    Support Staff, Administrative, Faculty and their Eligible Dependents.


Cancer / Intensive Care
  Plan Name:                             AFLAC Insurance Company

                  Cancer insurance covers the costs for cancer treatment that basic health
     Plan           insurance does not cover. Intensive care insurance provides a daily
   Summary:       benefit for each day the insured is confined to the hospital intensive care
                                          unit for medical reasons.

   Bi-weekly                                       Variable
      Cost:
   Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.




10 | P a g e
   Plan Name:                         Colonial Life & Accident Insurance
                                              (Cancer Insurance)
                   Cancer insurance covers the costs for cancer treatment that basic health
     Plan            insurance does not cover. Intensive care insurance provides a daily
   Summary:        benefit for each day the insured is confined to the hospital intensive care
                                           unit for medical reasons.

   Bi-weekly                                        Variable
      Cost:
   Eligibility:         Support Staff, Administrative, Faculty and Eligible Dependents.

Accident / Disability
  Plan Name:                          Colonial Life & Accident Insurance
                                           (Accident & Disability)
                     Accident insurance provides cash benefits in the event of a covered
      Plan            accident on or off the job. Benefits are based on the type of injury
    Summary:          sustained. Disability insurance provides benefits in the event of a
                                                   disability.

    Bi-weekly                                       Variable
       Cost:
    Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.




11 | P a g e
                             Vision Insurance
Vision Insurance
  Plan Name:                                    Humana Vision

                       The vision plan offers an extensive network of optometrists and
      Plan            ophthalmologists. Benefits include routine eye care exams, glasses
    Summary:                        (lenses and frames) or contact lenses.

                      Exam & Materials: Individual: $5.85 | Employee + Spouse: $11.56 |
    Bi-weekly                  Employee + Child(ren): $11.44 | Family: $17.98
      Cost:                Mats only: Individual: $4.36 | Employee + Spouse: $8.60
                                Employee + Child(ren): $8.50 | Family: $13.38
    Eligibility:        Support Staff, Administrative, Faculty and Eligible Dependents.




                   Optional Post – Tax Benefits
Long Term Disability
  Plan Name:                     UNUM Life Insurance Company of America

                     Long-term disability provides 66 2/3% of your basic monthly earnings,
       Plan         less any other benefits, up to $9,000/month. Monthly benefits begin on
    Summary:                            the 31st or 91st day of disability.
    Bi-weekly                                       Variable
       Cost:
    Eligibility:                   Support Staff, Administrative and Faculty.

Long Term Care
  Plan Name:                                    John Hancock

                     Long-term care insurance provides coverage to individuals who are
       Plan         unable to perform at least two activities of daily living, or to someone
    Summary:                       who has severe cognitive impairment.
    Bi-weekly                                      Variable
       Cost:
    Eligibility:                  Support Staff, Administrative and Faculty.



12 | P a g e
Life Insurance
  Plan Name:                              Symetra / Genworth
     Plan         Term life, cash value and universal life insurance products are available.
   Summary:                                  Plan features vary.

   Bi-weekly                                      Variable
      Cost:
   Eligibility:       Support Staff, Administrative, Faculty and Eligible Dependents.



                          Retirement Benefits
Florida Retirement Plan (FRS)
  Plan Name:                                     Pension Plan
                   The FRS Pension Plan is a defined benefit plan sponsored by the State of
                  Florida. Upon completion of six years of creditable service, you are vested
     Plan            in the plan and are eligible to receive a lifetime monthly retirement
   Summary:        benefit from the plan when you retire. The amount you receive is based
                     on your age, years of creditable service, the value of each year(s) of
                        service, and your highest five years average final compensation
   Eligibility:                    Support Staff, Administrative and Faculty.

   Plan Name:                                  Investment Plan

                  The FRS Investment Plan is a defined contribution plan sponsored by the
                  State of Florida. Upon completion of one year of creditable service, you
                     are vested in the plan. The amount of your benefit at retirement is
     Plan              determined by the contributions made by the employer and the
                                  performance of your investment choices.
   Summary:
                   For any questions please contact the FRS financial guidance line at 866-
                                                  446-9377

                                 General Retirement Plan Enrollment Form
   Eligibility:                  Support Staff, Administrative and Faculty.




13 | P a g e
Optional Retirement Plan (ORP)
 Plan Name:                               Optional Retirement Plan

                   The ORP is a defined contribution plan sponsored by the State of Florida.
                     Participants are immediately vested in the plan. The amount of your
                    benefits at retirement is determined by the contributions made by the
     Plan               employer, contributions by the employee (voluntary) and the
                                    performance of your investment choices.
   Summary:
                                               ORP PROVIDER LIST

                                    SUSORP Retirement Plan Choice Form
   Eligibility:                         Administrative and Faculty.


Tax Sheltered Annuities and Mutual Funds – 403(b)
  Plan Name:        Tax Sheltered Annuities and Mutual Funds – 403(b)
                      This program offers employees the opportunity to save money for
                     retirement while reducing their current income tax liability. Taxes on
                       earnings and contributions are deferred until you receive them as
      Plan                         income. A Roth feature is also available.
    Summary:
                    The approved provider companies are: VALIC, ING, Jefferson National,
                                    MetLife Investors, and TIAA-CREF.

                                              403(b) Provider List
   Eligibility:                 Support Staff, Administrative, Faculty and OPS.

Deferred Compensation Plan – 457(b)
  Plan Name:                 Deferred Compensation Plan – 457(b)

                    The State of Florida Deferred Compensation Program offers employees
                       the opportunity to save money for retirement while reducing their
      Plan            current income tax liability. Taxes on earnings and contributions are
    Summary:           deferred until you receive them as income. Contributing to a State
                       Deferred Compensation Plan is voluntary. Contributions are made
                    through payroll deduction and forwarded to a participating investment
                                                     company.

                                               457 Provider List
    Eligibility:                Support Staff, Administrative, Faculty and OPS.

14 | P a g e
                              Other Benefits

                                       Leave

Annual Leave
  Eligibility:                                   Support Staff.

                                 Support staff earn annual leave as follows:
                              1-5 years of service – 4 hours biweekly (13 days)
    Summary:               5-10 years of service – 5 hours biweekly (16.25 days)
                             10+ years of service – 6 hours biweekly (19.5 days)
                     Support staff may carry up to 240 hours (30 days) of unused annual
                                   leave into the following calendar year.
                   Any unused annual leave over the 240 hour limit is rolled into sick leave.

    Eligibility:                    Administrative and Faculty (12 month).

                          Administrative and Faculty earn annual leave as follows:
                                       6.77 hours biweekly (22 days)
    Summary:          Administrative and Faculty may carry up to 352 hours (44 days) of
                           unused annual leave into the following calendar year.
                     Any unused annual leave over the 352 – hour limit is rolled into Sick
                                                  Leave.
Sick Leave
   Eligibility:            Support staff, Administrative and Faculty (9 & 12 month).

                                         Sick Leave is earned as follows:
    Summary:                                    4 hours biweekly
                      There is no limit on the amount of Sick Leave that can be accrued.

Personal Holiday
   Eligibility:                                  Support Staff.

                        Support Staff employees that have completed their six-month
                      probationary period are eligible to use their personal holiday. The
    Summary:       personal holiday is a full, paid day off, and may be scheduled in the same
                      manner as annual leave. Support Staff employees only receive one
                                        personal holiday per fiscal year.




15 | P a g e
Guaranteed Paid Holidays
  Eligibility:                    Support Staff, Administrative and Faculty.

                                         Paid holidays are as follows:

                                              New Year’s Day
                                           M.L. King Jr.’s Birthday
                                               Memorial Day
   Summary:
                                            Independence Day
                                                 Labor Day
                                               Veteran’s Day
                                             Thanksgiving Day
                                           Day after Thanksgiving
                                               Christmas Day

Parental Leave
  Eligibility:                    Support Staff, Administrative, and Faculty.

                    Provides job security during a six-month period of leave without pay if
   Summary:           you become a biological parents or a child is placed in your home
                                              pending adoption.


Administrative Leave
  Eligibility:                        Support Staff and Administrative.

                    Administrative and Support Staff employees may be granted leave with
                   pay for a death in the immediate family, court attendance, meetings and
    Summary:                 conferences, elections and short-term military leave.



Family and Medical Leave Act (FMLA)
  Eligibility:            Support Staff, Administrative, Faculty and OPS.

                       Provides eligible employees with up to 12 weeks of unpaid, job-
    Summary:                      protected leave per rolling calendar year.




16 | P a g e
                     EMPLOYEE EDUCATION
Employee Tuition Program
   Eligibility:                      Support Staff, Administrative, and Faculty
                        Full-time Faculty, Support Staff and Administrative employees may
                         enroll in classes at USF, tuition free, for up to six credit hours per
                                semester. Six months employment at USF is required.
                        Part-time Faculty, Support Staff and Administrative employees may
                        enroll in classes at USF, tuition free, for up to three credit hours per
     Summary:
                                                        semester.
                        USF System Employee Tuition Program Request and Approval Form




Training and Development Programs
    Eligibility:             Support Staff, Administrative, Faculty and OPS.
    Summary:         Various courses and seminars are offered throughout the year.
                          You can find the list of classes being offered in your self-service



                              MISC BENEFITS

Florida Pre Paid College Program
    Eligibility:              Support Staff, Administrative and Faculty.
     Summary:          Payroll deduction available for payments to Florida Prepaid Program.



USF First Credit Union
  Eligibility:     Tempoary, Students, Support Staff, Administrative, Faculty and their
                                                      families.




17 | P a g e

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:13
posted:3/4/2011
language:English
pages:17