UC/UCP Dual Comp-Benefits Brochure 2019

UC/UCP Dual Comp-Benefits Brochure 2019

2019 BENEFITS SUMMARY

COLLEGE OF MEDICINE DUALLY COMPENSATED EMPLOYEES

CAMPUS RECREATION CENTER 2820 BEARCAT WAY CINCINNATI, OH 45221-0017 513-556-0604 UC’S CAMPUS RECREATION CENTER (CRC) IS A STATE-OF-THE- ART FITNESS AND RECREATION FACILITY ON ITS UPTOWN WEST CAMPUS. WITH OVER 200,000 SQUARE FEET OF RECREATION SPACE, THE CRC OFFERS UNIVERSITY STUDENTS, EMPLOYEES AND FRIENDS OF THE UNIVERSITY A WIDE RANGE OF EXERCISE AND FITNESS OPPORTUNITIES. SWIMMING • LAP POOL, DIVING BOARDS, LEISURE POOL WITH WHIRLPOOL AND LAZY RIVER COURTS/TRACK • 6 BADMINTON COURTS • 1 SQUASH COURT • 6-COURT GYMNASIUM • 1/8 MILE WALKING TRACK FITNESS FLOOR • OVER 200 CARDIOVASCULAR AND SPECIALIZED MACHINES • WEIGHT TRAINING MACHINES • OVER 21,000 LBS OF FREE WEIGHTS CLIMBING WALL – 40’ AND 28’ CLIMBING HEIGHTS FITNESS CLASSES

FITNESS CENTER AT CARE/CRAWLEY 3230 EDEN AVENUE CINCINNATI, OH 45267 513-558-0604

THE FITNESS CENTER (FC) AT CARE/CRAWLEY ON EDEN AVENUE AT THE MEDICAL CAMPUS OFFERS 12,000 SQUARE FEET OF FITNESS AND WELLNESS SPACE. THE FC OFFERS MEMBERSHIP OPTIONS FOR EVERYONE INCLUDING UC STUDENTS AND EMPLOYEES, UNIVERSITY AFFILIATES (E.G., CHILDREN’S HOSPITAL) AND COMMUNITY MEMBERS. CARDIOVASCULAR MACHINES • TREADMILLS • RECUMBENT BIKES • UPRIGHT BIKES • TOTAL BODY ARC TRAINERS • ELLIPTICALS • CROSS TRAINERS • ERGOMETERS STRENGTH TRAINING EQUIPMENT • CYBEX, PARAMOUNT, FREEMOTION, HAMMER • OVER 1,400 LBS OF DUMBBELLS

MEMBERSHIP RATES – ANNUAL CONTRACT ANNUAL

MONTHLY

INDIVIDUAL/EMPLOYEE

$440 $200 $120

$36.66 $16.66 $10.00

SPOUSE/DOMESTIC PARTNER

LEGAL DEPENDENTS • ONE RATE FOR ALL LEGAL DEPENDENTS AGE 3 – 23. • UNDER AGE 3 IS FREE)

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OVERVIEW

OFFERED BY

BENEFIT

      



RETIREMENT SAVINGS PLANS

MEDICAL INSURANCE

HEALTH SAVINGS ACCOUNT

FLEXIBLE SPENDING ACCOUNT

DENTAL INSURANCE

VISION INSURANCE

     

PAID TIME OFF: VACATION TIME & SICK TIME

PAID PARENTAL TIME OFF

SHORT TERM DISABILITY



LONG TERM DISABILITY

SUPPLEMENTAL LONG TERM DISABILITY

   

LIFE INSURANCE

ACCIDENT & CRITICAL ILLNESS INSURANCE

TUITION REMISSION



EMPLOYEE SERVICES & DISCOUNTS

THIS BROCHURE HIGHLIGHTS THE BENEFIT OPTIONS AVAILABLE TO DUALLY COMPENSATED EMPLOYEES OF THE UNIVERSITY OF CINCINNATI AND UNIVERSITY OF CINCINNATI PHYSICIANS AND IN NO WAY SERVES AS THE POLICY, SUMMARY PLAN DESCRIPTION OR PLAN DOCUMENT. IF ANY DISCREPANCIES OR CONFLICTS EXIST BETWEEN THIS BROCHURE AND THE POLICY OR PLAN DOCUMENTS, THE POLICY OR PLAN DOCUMENT SHALL GOVERN. WE RESERVE THE RIGHT TO AMEND, MODIFY OR TERMINATE ANY PROVISIONS, POLICIES OR BENEFIT PLANS IN WHOLE OR IN PART AT ANY TIME WITH OR WITHOUT NOTICE.

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BASIC EMPLOYER CONTRIBUTIONS UC AND UCP OFFER THE FOLLOWING RETIREMENT CONTRIBUTIONS IN LIEU OF CONTRIBUTING TO SOCIAL SECURITY. AS STATE OF OHIO PUBLIC EMPLOYEES, EMPLOYEES WILL NOT CONTRIBUTE TO SOCIAL SECURITY. RETIREMENT SAVINGS

FACULTY OPTION 1: STRS: STATE TEACHERS RETIREMENT SYSTEM*  AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES  VESTING SCHEDULE APPLIES  UC CONTRIBUTION: • 9.53% - DEFINED CONTRIBUTION PLAN • 14% - DEFINED BENEFIT PLAN • 14% - COMBINED PLAN  EMPLOYEE MANDATORY CONTRIBUTION – 14% OPTION 2: ARP: ALTERNATIVE RETIREMENT PLAN*  AVAILABLE TO FULL-TIME (100% FTE) EMPLOYEES  DEFINED CONTRIBUTION PLAN  IMMEDIATE VESTING SCHEDULE  UC CONTRIBUTES 9.53% OF EMPLOYEE’S ELIGIBLE PAY  EMPLOYEE MANDATORY CONTRIBUTION – 14% STAFF OPTION 1: OPERS: OHIO PUBLIC EMPLOYEE RETIREMENT SYSTEM*  AVAILABLE TO FULL-TIME AND PART-TIME EMPLOYEES  VESTING SCHEDULE APPLIES  UC CONTRIBUTION: • 11.5% - DEFINED CONTRIBUTION PLAN • 14% - DEFINED BENEFIT PLAN • 12% - COMBINED PLAN  EMPLOYEE MANDATORY CONTRIBUTION – 10% OPTION 2: ARP: ALTERNATIVE RETIREMENT PLAN*  AVAILABLE TO FULL-TIME (100% FTE) EMPLOYEES  DEFINED CONTRIBUTION PLAN  IMMEDIATE VESTING SCHEDULE  UC CONTRIBUTES 11.56% OF EMPLOYEE’S ELIGIBLE PAY  EMPLOYEE MANDATORY CONTRIBUTION – 10%

ALL EMPLOYEES

 AVAILABLE TO FULL- TIME AND PART-TIME EMPLOYEES  DEFINED CONTRIBUTION PLAN  UCP CONTRIBUTES 8.5% COMPENSATION • MAX $23,800  AS PART OF THE TOTAL COMPENSATION PACKAGE, UCP MAY CONTRIBUTE AN ADDITIONAL AMOUNT (NOT TO EXCEED ANNUAL LIMIT OF $56,000)  IMMEDIATE VESTING  NO EMPLOYEE MANDATORY CONTRIBUTION OF FIRST $280,000 (IRS LIMIT) OF TOTAL UCP

PLAN INFORMATION

ARP  AMERIPRISE  AXA EQUITABLE  FIDELITY  QUEEN CITY FINANCIAL  HBK WEALTH MANAGEMENT  LEGEND GROUP

 LINCOLN  NATIONWIDE  OHIO PUBLIC EMPLOYEES  TIAA  VALIC  VANGUARD  VOYA

PLAN ADMINISTRATORS

 FIDELITY  TIAA

*MUST ELECT UC RETIREMENT OPTION IN FIRST 120 DAYS. ELECTION IS IRREVOCABLE.

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RETIREMENT SAVINGS

EMPLOYEE VOLUNTARY CONTRIBUTIONS

ELIGIBILITY

ALL EMPLOYEES 

EMPLOYEES MAY DIRECT ADDITIONAL RETIREMENT SAVINGS CONTRIBUTIONS TO:

 403(B)  PRE‐TAX CONTRIBUTION, OR  ROTH POST‐TAX CONTRIBUTION (UCP ONLY)  457(B) PRE‐TAX CONTRIBUTION

PLAN INFORMATION

TO AVOID THE POSSIBILITY OF EXCEEDING ANNUAL IRS CONTRIBUTION LIMITS, IT IS RECOMMENDED  THAT EMPLOYEES MAKE SUPPLEMENTAL CONTRIBUTIONS THROUGH EITHER UC PAYROLL OR UCP  PAYROLL (NOT BOTH).

 EMPLOYEE DIRECTED UP TO ANNUAL IRS LIMIT OF $19,000.  $6,000 CATCH UP CONTRIBUTION AVAILABLE FOR AGE 50 AND OLDER

EMPLOYEE CONTRIBUTION

UCP : FIDELITY OR TIAA  UC : 403(B) VARIOUS VENDORS, 457(B) OHIO DEFFERED COMPENSATION

PLAN ADMINISTRATOR

FOR MORE INFORMATION ON WEALTH MANAGEMENT:

FIDELITY INVESTMENTS : 1 (800) 343‐0860  www.netbenefits.com/ucp (MICROSITE)  ACCOUNT ADMINISTRATION  ‐ MIKE FISCHER, 859‐240‐0939, [email protected]  WEALTH MANAGEMENT CONSULTANT  ‐ SCOTT NOELCKE, 513‐379‐4344, [email protected]  TIAA: 1 (800) 842‐2273  www.tiaa‐cref.org/ucp (MICROSITE)  CONTACT – LAURA MAXWELL, 513‐263‐2825 UC RETIREMENT PROVIDERS & INFORMATION:  http://www.uc.edu/content/dam/uc/hr/benefits/retirement/arp_vendors.pdf  http://www.uc.edu/hr/benefits/retirement‐benefits.html

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MEDICAL INSURANCE

MEDICAL PLAN INFORMATION

65%+ FTE FACULTY 75%+ FTE STAFF

ELIGIBILITY

PLAN INFORMATION (TWO AVAILABLE)

PPO

HDHP

IN NETWORK

OUT OF NETWORK

IN NETWORK

OUT OF NETWORK

ANNUAL DEDUCTIBLE

$400 INDIVIDUAL $800 FAMILY

$800 INDIVIDUAL $1,600 FAMILY

$1,600 INDIVIDUAL $3,200 FAMILY

$3,200/PERSON $6,400 FAMILY

ANNUAL HEALTH SAVINGS ACCOUNT FUNDING (UC)

$325 – $825 EE $650 - $1,650 FAMILY *

$320 – $825 EE $650 - $1,650 FAMILY *

NOT APPLICABLE

NOT APPLICABLE

70% AFTER DEDUCTIBLE

70% AFTER DEDUCTIBLE**

PREVENTATIVE CARE

COVERED 100%**

COVERED 100%**

TIER 1 (GREATEST VALUE): $15 TIER 2 (BRAND): $35 TIER 3 (HIGHER COST BRAND): $50 TIER 4 (SPECIALTY): 25% CO-INS, $250 MAX

85% AFTER DEDUCTIBLE

RETAIL PHARMACY

MAIL ORDER 90 DAY SUPPLY (MANDATORY FOR

TIER 1: $30 TIER 2: $70 TIER 3 : $100

85% AFTER DEDUCTIBLE

MAINTENANCE MEDICATIONS)

RATES VARY BASED ON PLAN SELECTION AND ANNUAL BASE PAY http://www.uc.edu/hr/benefits/healthplans/medical/cost-and-coverage.html

EMPLOYEE CONTRIBUTION PLAN ADMINISTRATOR

ANTHEM

* BASED ON TOTAL ANNUAL BASE PAY (UC + UCP) ** AS RECOMMENDED BY THE AMERICAN MEDICAL ASSOCIATION

FOR MORE INFORMATION ON MEDICAL PLANS: http://www.uc.edu/hr/benefits/healthplans/medical.html

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SAVINGS/SPENDING ACCOUNTS

HEALTH SAVINGS ACCOUNT (HSA)

ELIGIBLE ONLY WHEN ENROLLED IN HDHP MEDICAL PLAN 65%+ FTE FACULTY 75%+ FTE STAFF

ELIGIBILITY*

 EMPLOYEES MAY CONTRIBUTE PRE-TAX DOLLARS TO PAY ELIGIBLE* HEALTH CARE EXPENSES THAT ARE NOT COVERED BY MEDICAL OR DENTAL PLANS  HSA BALANCE CARRIES OVER YEAR TO YEAR  UC CONTRIBUTION IS BASED ON TOTAL ANNUAL BASE PAY (UC + UCP)  MAXIMUM ANNUAL COMBINED EMPLOYER AND EMPLOYEE CONTRIBUTION:  $3,500 INDIVIDUAL  $7,000 FAMILY  $1,000 OVER AGE 55 CATCH UP CONTRIBUTION

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

PLAN ADMINISTRATOR

HEALTH EQUITY BANK– SAVINGS ACCOUNT AND DEBIT CARD

FLEXIBLE SPENDING ACCOUNTS (FSA): HEALTH CARE AND/OR DEPENDENT DAYCARE

EMPLOYEES ENROLLED IN THE HDHP/HSA ARE NOT ELIGIBLE TO CONTRIBUTE TO A HEALTH CARE FSA. EMPLOYEES ARE ELIGIBLE FOR HEALTH CARE FSA ONLY IF ENROLLED IN PPO MEDICAL PLAN OR IF MEDICAL COVERAGE IS WAIVED.

65%+ FTE FACULTY 75%+ FTE STAFF

ELIGIBILITY*

 EMPLOYEES MAY CONTRIBUTE PRE-TAX DOLLARS TO PAY ELIGIBLE* DEPENDENT DAY CARE EXPENSES AND HEALTH CARE EXPENSES THAT ARE NOT COVERED BY MEDICAL OR DENTAL PLANS  ANNUAL CONTRIBUTION MUST BE APPLIED TO EXPENSES INCURRED IN SAME PLAN YEAR  UNUSED BALANCES MAY BE CLAIMED UNTIL 02/28 OF THE FOLLOWING PLAN YEAR, AFTER WHICH THEY ARE FORFEITED DEPENDENT CARE: EMPLOYEES MAY CONTRIBUTE $250-$5,000 PER CALENDAR YEAR HEALTH CARE: EMPLOYEES MAY CONTRIBUTE $120-$2,400 PER CALENDAR YEAR

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

PLAN ADMINISTRATOR * CERTAIN IRS RESTRICTIONS APPLY

CHARD SNYDER

FOR MORE INFORMATION ON SPENDING/SAVINGS ACCOUNTS: http://www.uc.edu/hr/benefits/fsahsa/hsa.html

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DENTAL INSURANCE

DENTAL PLAN INFORMATION

65%+ FTE FACULTY 75%+ FTE STAFF

ELIGIBILITY

PLAN INFORMATION

BASIC

BASIC ORTHO

HIGH

HIGH ORTHO

$50 PER PERSON $150 FAMILY APPLIES TO ALL SERVICES, EXCEPT DIAGNOSTIC AND PREVENTATIVE $500 PER PERSON, EXCLUDING ORTHODONTIC SERVICES

$25 PER PERSON $75 FAMILY APPLIES TO ALL SERVICES, EXCEPT DIAGNOSTIC AND PREVENTATIVE

$50 PER PERSON $100 FAMILY APPLIES TO ALL SERVICES, EXCEPT DIAGNOSTIC AND PREVENTATIVE $2,000 PER PERSON, EXCLUDING ORTHODONTIC SERVICES

$50 PER PERSON $150 FAMILY APPLIES TO ALL SERVICES

ANNUAL DEDUCTIBLE

$500 PER PERSON

$1,000 PER PERSON

ANNUAL MAXIMUM BENEFIT

80% AFTER DEDUCTIBLE

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE

100% NO DEDUCTIBLE

PREVENTATIVE CARE

80% AFTER DEDUCTIBLE

80% AFTER DEDUCTIBLE

80% AFTER DEDUCTIBLE

80% AFTER DEDUCTIBLE

BASIC RESTORATIVE SERVICES

60% AFTER DEDUCTIBLE

80% AFTER DEDUCTIBLE

60% AFTER DEDUCTIBLE

60% AFTER DEDUCTIBLE

MAJOR SERVICES

50% AFTER DEDUCTIBLE

60% AFTER DEDUCTIBLE

NOT COVERED

NOT COVERED

ORTHODONTIC SERVICES

($1,000 LIFETIME MAX PER PERSON)

($2,000 LIFETIME MAX PER PERSON)

EMPLOYEE CONTRIBUTION

RATES VARY BASED ON COVERAGE SELECTION http://www.uc.edu/hr/benefits/healthplans/dental/costsandcoverage.html

PLAN ADMINISTRATOR

ANTHEM

EXCLUSIONS AND LIMITATIONS : ALL PLANS ARE SUBJECT TO EXCLUSIONS, LIMITATIONS AND PERIODIC UPDATES. ORTHODONTICS ARE FOR DEPENDENT CHILDREN ONLY UNDER AGE 19. FOR DETAILS ABOUT THE PLANS, CONTACT ANTHEM CUSTOMER SERVICE AT 1-877-604-2156

FOR MORE INFORMATION ON DENTAL PLANS: http://www.uc.edu/hr/benefits/healthplans/dental.html

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VISION INSURANCE

VISION PLAN INFORMATION

65%+ FTE FACULTY 75%+ FTE STAFF

ELIGIBILITY

VISION CARE SERVICES

PLAN INFORMATION

IN NETWORK MEMBER COST

OUT OF NETWORK REIMBURSEMENT

$25 COPAY; $130-$150 ALLOWANCE; 20% OFF BALANCE OVER ALLOWANCE; $70 COSTCO FRAME ALLOWANCE INCLUDED IN RX GLASSES CO-PAY INCLUDED IN RX GLASSES CO-PAY INCLUDED IN RX GLASSES CO-PAY $55-$175 CO-PAY

FRAMES (EVERY OTHER CALENDAR YEAR)

UP TO $70

SINGLE VISION BIFOCAL TRIFOCAL STANDARD PROGRESSIVE LENSES

UP TO $30 UP TO $50 UP TO $65 UP TO $50

CONTACT LENS FIT AND EVALUATION

UP TO $60

NOT APPLICABLE

CONTACT LENSES (IN LIEU OF GLASSES)

$60 COPAY

UP TO $105

$3.82 EMPLOYEE ONLY

$8.18 EMPLOYEE + CHILD(REN)

EMPLOYEE CONTRIBUTION

$13.08 EMPLOYEE + FAMILY

$7.64 EMPLOYEE + SPOUSE

PLAN ADMINISTRATOR

VSP

FOR MORE INFORMATION ON VISION BENEFITS: http://www.uc.edu/hr/benefits/healthplans/vision.html

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PAID TIME OFF

VACATION TIME ACCRUAL

ELIGIBILITY

ALL EMPLOYEES

 FULL-TIME EXEMPT EMPLOYEES ACCRUE VACATION AT THE RATE OF 1.67 DAYS/MONTH (20 DAYS/YEAR)  PART-TIME EXEMPT EMPLOYEES ACCRUE VACATION ON A PRO-RATED BASIS ACCORDING TO EMPLOYEE’S FTE  VACATION ACCRUES FROM YEAR TO YEAR TO A MAXIMUM OF 30 DAYS  UPON SEPARATION FROM EMPLOYMENT, EMPLOYEE MAY BE PAID UNUSED VACATION HOURS  UC PAYROLL SYSTEM WILL PAY VACATION BALANCE CALCULATED ON UC BASE SALARY  UCP PAYROLL SYSTEM WILL PAY UP TO 120 HOURS OF VACATION CALCULATED ON UCP BASE SALARY, SUBJECT TO RESTRICTIONS SPECIFIED IN EMPLOYMENT AGREEMENT AND DEPARTMENT COMPENSATION PLAN EMPLOYEE MUST FOLLOW DEPARTMENTAL GUIDELINES FOR REQUESTING VACATION TIME OFF FROM WORK

PLAN INFORMATION

OTHER INFORMATION

PLAN ADMINISTRATOR

UNIVERSITY OF CINCINNATI

SICK TIME ACCRUAL

ELIGIBILITY

ALL EMPLOYEES

 FULL-TIME EXEMPT EMPLOYEES ACCRUE SICK TIME AT THE RATE OF 1.25 DAYS/MONTH (15 DAYS/YEAR)  PART-TIME EXEMPT EMPLOYEES ACCRUE SICK TIME ON A PRO-RATED BASIS ACCORDING TO EMPLOYEE’S FTE  SICK TIME ACCRUES FROM YEAR TO YEAR AND IS PAID ACCORDING TO THE FOLLOWING MAXIMUMS  UC PAYROLL SYSTEM WILL PAY ALL SICK HOURS, SUBJECT TO MEDICAL NECESSITY  UCP PAYROLL SYSTEM WILL PAY UP TO 520 HOURS (13 WEEKS) OF CONSECUTIVE SICK HOURS (LONG TERM DISABILITY ELIMINATION PERIOD)  UPON SEPARATION FROM EMPLOYMENT WITH UC, EMPLOYEE WILL NOT BE PAID FOR ANY UNUSED SICK DAYS IN SOME INSTANCES, EMPLOYEE MAY BE REQUIRED TO COMPLETE LEAVE REQUEST AND CERTIFICATION OF HEALTH CARE PROVIDER DOCUMENTATION

PLAN INFORMATION

OTHER INFORMATION

PLAN ADMINISTRATOR

UNIVERSITY OF CINCINNATI

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PAID TIME OFF

PARENTAL TIME OFF

UCP CLINICAL PROVIDERS SERVING AS PRIMARY CAREGIVER FOR A NEWLY BORN OR NEWLY ADOPTED CHILD  ELIGIBLE CLINICAL PROVIDERS MAY TAKE UP TO TWO WEEKS (80 HOURS) OF PAID PARENTAL TIME OFF WTIHIN THE FIRST 12 WEEKS FOLLOWING THE BIRTH OR ADOPTION OF A CHILD  PRIMARY CAREGIVER IS DEFINED AS THE INDIVIDUAL WHO IS RESPONSIBLE FOR PROVIDING AND/OR MANAGING THE CARE OF THE CHILD  ELIGIBLE PROVIDERS MUST WORK COOPERATIVELY WITH THEIR DEPARTMENT ADMINISTRATION TO SCHEDULE PARENTAL TIME OFF WITHIN THE 12 WEEK PERIOD

ELIGIBILITY

PLAN INFORMATION

OTHER INFORMATION

PLAN ADMINISTRATOR

UC PHYSICIANS

SHORT TERM DISABILITY

SHORT TERM DISABILITY PLAN INFORMATION

ELIGIBILITY

37.5%+ FTE EMPLOYEES

 UCP PROVIDES SHORT TERM DISABILITY INSURANCE TO SUPPLEMENT ACCRUED SICK BANKS  PLAN PAYS 70% OF WEEKLY EARNINGS UP TO $4,000/WEEK  BENEFIT PROVIDED UP TO 11 WEEKS AFTER A 2 WEEK ELIMINATION PERIOD  MUST EXHAUST UC SICK BANK BEFORE BENEFIT WILL PAY

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

EMPLOYEE PAYS TAX ON THE PREMIUM, MAKING A TAX FREE BENEFIT

PLAN ADMINISTRATOR

THE HARTFORD

FOR MORE INFORMATION ON THE HARTFORD VISIT: https://www.thehartford.com

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LONG TERM DISABILITY

UCP LONG TERM DISABILITY EMPLOYER PAID PREMIUM

ELIGIBILITY

37.5%+ FTE EMPLOYEES

 PLAN PAYS 60% OF EMPLOYEE AVERAGE MONTHLY PRE-DISABILITY EARNINGS* UP TO A MAXIMUM OF: • $15,000/MONTH FOR PHYSICIANS -OR- • $10,000/MONTH FOR NON-PHYSICIAN PROVIDERS AND STAFF  YOU MUST BE DISABLED FOR 90 DAYS BEFORE THE BENEFIT PAYS  AS AN ELIGIBLE EMPLOYEE, YOU ARE AUTOMATICALLY ENROLLED IN THIS BENEFIT  DISABILITY DEFINED AS SPECIALITY/SUBSPECIALITY *PRE-DISABILITY EARNINGS ARE DEFINED AS AVERAGE MONTHLY EARNINGS FROM “ALL SOURCES OF INCOME” BASED ON YOUR STATEMENT OF WAGES EARNED AND TAXES WITHHELD FOR 1) THE ONE FULL TAX YEAR(S) IMMEDIATELY PRIOR TO THE LAST DAY YOU WERE ACTIVELY AT WORK BEFORE YOU BECOME DISABLED; OR 2) THE TOTAL NUMBER OF CALENDAR MONTHS YOU WORKED FOR THE EMPLOYER AS AN ACTIVE EMPLOYEE, IF LESS THAN THE ABOVE PERIOD.

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

EMPLOYEE PAYS TAX ON THE PREMIUM, MAKING A TAX FREE BENEFIT

PLAN ADMINISTRATOR

THE HARTFORD

UC LONG TERM DISABILITY EMPLOYEE PAID PREMIUM-UC SALARY ONLY

65%+ FTE FACULTY 75%+ FTE STAFF

ELIGIBILITY

 60 % INCOME REPLACEMENT AFTER 6 MONTHS -OR-  65% INCOME REPLACEMENT AFTER 4 MONTHS  MAXIMUM MONTHLY BENEFIT $4,000 (BASE PLAN)  COVERS UC SALARY ONLY  DISABILITY AS ANY OCCUPATION

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

DEPENDENT ON ANNUAL SALARY AND AGE

PLAN ADMINISTRATOR

UNUM

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SUPPLEMENTAL LONG TERM DISABILITY

INDIVIDUAL DISABILITY INCOME PROTECTION

75%+ FTE EMPLOYEES WITH $125,000 MINIMUM ANNUAL PAY ANNUAL ENROLLMENT ONLY

ELIGIBILITY

 PROVIDES COVERAGE BEYOND GROUP LONG-TERM DISABILITY (LTD) COVERAGE TO GIVE YOU MORE INCOME REPLACEMENT  EMPLOYEES MAY PURCHASE ADDITIONAL COVERAGE TO A MAXIMUM OF $8,000/MONTH OR 65% INCOME REPLACEMENT, WHICHEVER IS LESS  NO MEDICAL EXAMS  INDIVIDUAL OWNERSHIP - THIS IS NOT "GROUP" COVERAGE; YOU WILL OWN YOUR POLICY AND WILL HAVE THE ABILITY TO TAKE IT WITH YOU SHOULD YOU LEAVE UC PHYSICIANS

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

RATES VARY BASED ON INCOME AND AGE

PLAN ADMINISTRATOR

THE GUARDIAN LIFE INSURANCE COMPANY

FOR MORE INFORMATION ON THE GUARDIAN LIFE INSURANCE VISIT: https://www.guardianlife.com/

LONG TERM CARE INSURANCE

LONG TERM CARE PLAN INFORMATION

LONG TERM CARE IS THE TYPE OF CARE NEEDED WHEN SOMEONE IS NO LONGER ABLE TO DO THE THINGS TAKEN FOR GRANTED EVERY DAY. IT IS NEEDED WHEN SIMPLE THINGS, SUCH AS GETTING OUT OF BED, EATING, OR EVEN TAKING A SHOWER, BECOME TOO DIFFICULT TO DO ON ONE’S OWN. UC PARTNERS WITH LEGACY SERVICES FOR LONG TERM CARE INSURANCE (LTCI). LEGACY SERVICES IS AN INDEPENDENT BROKER THAT HAS SPECIALIZED IN LTCI SINCE 1999. LTCI IS NOT OFFERED THROUGH PAYROLL DEDUCTION. FOR INFORMATION ON LONG TERM CARE INSURANCE CONTACT: https://main.legacyltci.com/

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LIFE INSURANCE

BASIC LIFE INSURANCE

65%+ FTE FACULTY 75%+ FTE STAFF

ELIGIBILITY

37.5%+ FTE EMPLOYEES

ONE (1) TIMES ANNUAL BASE PAY UP TO $50,000  EMPLOYEE MAY ELECT $5,000

$50,000 TERM LIFE INSURANCE, ACCIDENTAL DEATH AND DISMEMBERMENT POLICY

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

NO EMPLOYEE CONTRIBUTION

NO EMPLOYEE CONTRIBUTION

PLAN ADMINISTRATOR

MINNESOTA LIFE

THE HARTFORD

VOLUNTARY LIFE INSURANCE

65%+ FTE FACULTY 75%+ FTE STAFF

ELIGIBILITY

37.5%+ FTE EMPLOYEES

SUPLEMENTAL LIFE

 EMPLOYEE MAY ELECT THE LESSER OF SIX (6) TIMES ANNUAL UC BASE PAY OR $1 MILLION  PERSONAL ACCIDENT INSURANCE PROVIDES A BENEFIT IN THE EVENT YOU DIE AS A RESULT OF A COVERED ACCIDENT  WILL ALSO PAY A FULL OR PARTIAL BENEFIT FOR CERTAIN ACCIDENTAL INJURIES  COVERAGE LEVELS ($50,000, $100,000, OR $150,000) ADDITIONAL COVERAGE IS AVAILABLE FOR SPOUSE/DOMESTIC PARTNER AND ELIGIBLE DEPENDENT CHILDREN RATES VARY BASED ON AGE AND COVERAGE SELECTION PERSONAL ACCIDENT

 $10,000 INCREMENTS UP TO THE LESSER OF FIVE (5) TIMES ANNUAL SALARY OR $1,000,000.  ADDITIONAL COVERAGE IS AVAILABLE FOR SPOUSE/DOMESTIC PARTNER AND ELIGIBLE DEPENDENT CHILDREN  GUARANTEED ISSUE, IF ELECTED WITHIN 30 DAYS OF ELIGIBILITY DATE, UP TO LIMITS OF:

PLAN INFORMATION

 $150,000 EMPLOYEE COVERAGE  $25,000 SPOUSAL COVERAGE  $10,000 CHILD(REN) COVERAGE

EMPLOYEE CONTRIBUTION

RATES VARY BASED ON AGE AND COVERAGE SELECTION

PLAN ADMINISTRATOR

MINNESOTA LIFE

THE HARTFORD

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ACCIDENT & CRITICAL ILLNESS

ACCIDENT INSURANCE

65%+ FTE FACULTY AND STAFF AVAILABLE ONLY DURING ANNUAL OPEN ENROLLMENT

ELIGIBILITY

 PLAN PAYS A LUMP SUM BENEFIT FOR OFF-JOB ACCIDENTS  BENEFIT AMOUNT RANGES FROM $25 TO $7,500 BASED ON TYPE OF INJURY  NO CALENDAR YEAR MAXIMUM, BUT PLAN PAYS ONLY ONE BENEFIT PER ACCIDENT  ALLOWS YOU TO USE THE MONEY ANY WAY YOU CHOOSE  $50 ANNUAL WELLNESS BENEFIT ONCE PER CALENDAR YEAR PER COVERED INDIVIDUAL*  COVERAGE IS PORTABLE - YOU CAN TAKE THE COVERAGE WITH YOU IF YOU TERMINATE YOUR EMPLOYMENT. UNUM WILL BILL YOU DIRECTLY

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

DEPENDENT ON PLAN SELECTION

PLAN ADMINISTRATOR

UNUM

CRITICAL ILLNESS INSURANCE

65%+ FTE FACULTY AND STAFF AVAILABLE ONLY DURING ANNUAL OPEN ENROLLMENT

ELIGIBILITY

 PLAN PAYS A LUMP SUM BENEFIT IF EMPLOYEE OR COVERED DEPENDENT IS DIAGNOSED WITH ANY OF THE COVERED CONDITIONS  BENEFIT AMOUNT IS $10,000 FOR EMPLOYEES, $5,000 FOR SPOUSE AND $2,500 FOR CHILDREN TO BE USED TO COVER OUT OF POCKET MEDICAL EXPENSES OR WHATEVER YOU CHOOSE  COVERAGE FOR SPOUSE IS OPTIONAL WHILE COVERAGE FOR CHILDREN IS AUTOMATIC  GUARANTEE ISSUE AVAILABLE WITH NO MEDICAL EXAM OR HEALTH QUESTIONS.  EACH COVERED CONDITION IS PAYABLE ONCE PER LIFETIME  NO PRE-EXISTING CONDITION LIMITATION (NOTE: DIAGNOSIS MUST OCCUR ON OR AFTER POLICY EFFECTIVE DATE)  $50 ANNUAL WELLNESS BENEFIT PAYS ONCE PER CALENDAR YEAR PER COVERED INDIVIDUAL*

PLAN INFORMATION

EMPLOYEE CONTRIBUTION

DEPENDENT ON AGE AND TOBACCO USER STATUS

PLAN ADMINISTRATOR

UNUM

FOR MORE INFORMATION ON UC ACCIDENT & CRITICAL ILLNESS PLANS: http://www.uc.edu/hr/benefits/insurancedisability/accidentcriticalillness.html * A COVERED INDIVIDUAL MAY RECEIVE MULTIPLE WELLNESS BENEFITS FOR A COVERED SCREENING TEST IF PARTICIPATING IN BOTH THE ACCIDENT AND CRITICAL ILLNESS PLAN

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TUITION REMISSION

TUITION REMISSION PLAN INFORMATION

FULL TIME EMPLOYEE: 65%+ FTE FACULTY AND 75%+ FTE STAFF  FULL TIME EMPLOYEES MAY ENROLL IN UP TO 6 UNDERGRADUATE OR GRADUATE HOURS PER SEMESTER.  DEPENDENTS OF FULL‐TIME EMPLOYEES MAY ENROLL IN:  UNDERGRADUATE CREDIT HOURS – LIFETIME MAXIMUM OF 144 HOURS PER DEPENDENT  GRADUATE CREDIT HOURS – UNLIMITED*  ELIGIBLE DEPENDENTS INCLUDE:  LEGAL SPOUSE  SAME OR OPPOSITE SEX DOMESTIC PARTNER  UNMARRIED CHILD (BIOLOGICAL, STEP, ADOPTED, OR GUARDIAN) PART TIME EMPLOYEE:   < 65% FTE FACULTY AND