EMPLOYEE BENEFITS GUIDE - Human Resources
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EMPLOYEE BENEFITS GUIDE
Effective Date 01/01/22Welcome to the University of Arkansas. Choosing your employee benefits is one of the most important decisions you will make as a new employee. Review the information in this booklet and the information available from the New Employee Benefits Section of Human Resources website carefully to make sure that you are making informed decisions. You must be 50% appointed (average 20+ hours) or greater and not in a student position, such as Senior Graduate Assistant, to be eligible for employee benefits through the University of Arkansas. Participation in certain benefits is mandatory and considered a condition of employment. Mandatory insurance benefits are 100% paid by the University. Mandatory benefits are: • Basic Life Insurance • Basic Short-Term Disability Insurance (for Classified Staff only) • Basic Long-Term Disability Insurance • Employer contributions to retirement • Required employee contributions to retirement The other University of Arkansas benefits, like health coverage, dental coverage, vision insurance, accidental death & dismemberment insurance, are optional and can be waived. Employees pay for all or a portion of the premiums for optional benefits. Completion of the enrollment process is required, even if you only plan to enroll in the mandatory benefits. See the “How Do I Enroll?” section of this booklet for enrollment instructions. New employees have 31 days from their benefits-eligible appointment dates to enroll in their benefits. Mandatory benefits are effective with your benefits-eligible appointment date. Optional benefits are effective the first day of the month following your benefits-eligible appointment date or the date you complete the benefits enrollment process, whichever is later. Documentation of dependent eligibility is required to cover eligible family members on your health and dental coverage and vision insurance. Check the Human Resources website for your options for new employee orientation. Go to the Human Resources website at http://hr.uark.edu/ and click on Working Here under Getting Started, then click on Enroll in Benefits. Contact Human Resources at 479-575-5351 or by email at hrbenf@uark.edu if you have any questions.
CONTENTS
How Do I Enroll? 2
Retirement 3
Health Coverage 6
Dental Coverage 12
Vision Insurance 14
FSAs and HSAs 16
Life, AD&D & Disability 18
Voluntary Products 22
Wellness Benefits 24
Making Changes 26
Resources 27
Guide to University of Arkansas Benefits 1How Do I Enroll?
Now it’s time for you to complete your enrollment in your University of
Dependent Documentation Arkansas benefits. Remember you only have 31 days from the date of your
You must submit dependent benefits-eligible appointment to complete the enrollment process. Your
documentation if you are
optional benefits will be effective the first day of the following month
covering dependents on your
UA health, dental or vision following the date you complete the enrollment process.
insurance. Send legible
copies, not originals. Required Here’s what you’ll need before you begin:
documents are: • Your UARK ID and password.
• Spouse – government issued
• Covered dependents names, dates of birth, gender, and social security
marriage license signed by
the county clerk, state numbers (required for enrollment in health insurance).
registrar or other assigned • Beneficiaries’ names, dates of birth, gender and relationship to you.
government official. • Documentation of Dependent Eligibility (government issued marriage
• Biological child – licenses, birth certificates, etc.) is required for covering any dependent
government issued birth on your UA health, dental and vision insurance plans.
certificate identifying you as
the parent (hospital COMPLETE YOUR ONLINE BENEFITS ENROLLMENT PROCESS
certificate acceptable only
for children less than 31 You can complete your benefits enrollment online using Workday. Additional
days old).
information is available from the New Employee Benefits Enrollment section of
• Step-child – government
issued birth certificate Human Resources website.
identifying your spouse as a
parent AND a government ❶ Open Google Chrome and go to http://myapps.microsoft.com/.
issued marriage licensing
showing you married to a ❷ Click on the Workday application.
parent.
• Adopted child – court ❸ On your second day of employment, you will have an Inbox item labeled
document showing adoption “New Hire Benefits Change”. Click on the inbox item and complete your
placement, petition for enrollment. Note: If you are covering dependents, you will be
adoption or final adoption
prompted to upload your documentation
certificate (must include
date of birth) ❹ Your enrollment will go to the Benefits Partner for approval. Benefits
• Legal Ward/Guardian are effective the first day of the following month after your enrollment
Child/Foster Child under and documentation is submitted to the Benefits Partner.
age 18 – court or agency
documentation AND a You can also complete a paper enrollment process and submit the forms to
government issued birth
certificate
Human Resources. Partial enrollment paperwork will not be accepted. Do not
• Medical Support Order – complete and turn in enrollment forms if you complete the Workday enrollment
court documents ordering process above. Forms are available from the New Employee Benefits
you to provide insurance for Enrollment section of Human Resources website and from the Human
your biological child Resources office. Submit completed enrollment forms to Human Resources:
• Adult Disabled Child –
government issued birth University of Arkansas
certificate identifying you as Human Resources
a parent AND medical 222 Administration Building
certification of disability Fayetteville, AR 72701
prior to age 26. If a FAX 479-575-6971
stepchild, a government
Email hrbenf@uark.edu
issued marriage license also ide to G
required.
2 Guide to University of Arkansas BenefitsRetirement
UA Retirement Plan – 403(b)/457(b) plan Additional Information
Go to the Human Resources
Participation in a retirement plan is required for all University of Arkansas website to find the
benefits-eligible employees. The University of Arkansas Retirement plan is a Retirement Summary Plan
403(b)/457(b) Defined Contribution Plan. A Defined Contribution Plan is a plan Description and other
that does not pay a specific benefit when you retire and where the retirement additional information.
benefit is dependent on the earnings or losses of your chosen investment • Go to http://hr.uark.edu/
options. At retirement or separation of service from the UA, you can withdraw • Go to “Benefits”
your vested contributions in lump sum amounts over time subject to plan • Click on Retirement
limitations. Benefits
Employee and Employer Contributions
Effective 7/1/2021, employees are required to contribute 5% of their gross pay
to their UA retirement plan. The University’s contribution will not be less than
Required Contributions
5% and will increase to match your combined required and voluntary The required employee
contributions in excess of 5% up to a maximum employer contribution of 10%. contribution will be 5%
Employees may contribute additional unmatched contributions in excess of effective July 1, 2021.
10%. Contributions are subject to IRS limits. Note that the required
employee contribution must
be tax-deferred.
Your Required Your Voluntary University Total
5% 0% 5% 10%
5% 1% 6% 12%
5% 2% 7% 14%
5% 3% 8% 16%
5% 4% 9% 18% What is Vesting?
5% 5% 10% 20% UA Retirement Plan -
5% 6+% 10% 21%+ Nonforfeitable ownership by
employees of retirement
contributions made by the
Vesting employer on their behalf. In
addition to the 24-month
Employer retirement contributions for all faculty and staff hired July 1, 2016, vesting rule, you will also be
and after will be vested at the end of 24 consecutive months of employment in vested if, while employed in a
a benefits-eligible position. Employee contributions are 100% vested benefits-eligible position:
immediately. Employees not vested when UA employment ends will forfeit • You die;
any employer contributions made by the University of Arkansas. The • You reach age 65;
University of Arkansas has a once vested, always vested rule. If you previously • You become disabled as
worked for any UA System campus and were vested when you left determined by Social
employment, you will retain that vesting status when you are re-employed by Security or UA’s Disability
any UA System Campus. Be sure to let HR know of any prior UA System Insurance provider.
employment. If you are not vested when you leave UA employment and
return to the UA with a separation of more than 30 days your vesting period
will start over again.
Guide to University of Arkansas Benefits 3Retirement
Employee Required How Much Can I Contribute?
Contributions are not
included in the 402(g) Employees can contribute up to 100% of their salaries, not to exceed the limits
limits but will be included imposed by section 402(g) of the IRS code. Your voluntary contribution limits
in the overall 415(c) plan for 2022 for combined tax-deferred and Roth contributions are:
contribution limits You
2021 Plan Limits Employees Below Age 50 Employees age 50 and Above
(combined employee and
employer contributions) of 403(b) Plan $20,500 $27,000 ($19,500 + add’l $6,500)
$61,000 for 2022. The 457(b) Plan $20,500 $27,000 ($19,500 + add’l $6,500)
additional $6,500 402(g) Total $41,000 $54,000
limits for employees 50 or Additionally, under IRS limits in 2022, the UA can only make the employer
older do not apply to the contributions on $305,000 of your gross pay.
415(c) limits. Contributions
The 403(b) plan is the UA Retirement Plan’s primary plan. You will only
to the 457(b) plan also do
not apply to the 415(c) participate in the 457(b) plan if you reach your 402(g) limit in your 403(b) plan
limits. before the end of the calendar year. You will provide your directions for
handling your contributions if you reach your 403(b) or 402(g) limits when
completing your retirement plan enrollment.
Prior Contributions Your
retirement limits How Do I Contribute?
accumulate from all
employer sources for the You may contribute to your 403(b) plan in two ways:
calendar year. If you think • Traditional tax-deferred – contributions and earnings will be subject to
that your combined
income taxes when withdrawn. The required contribution is tax-deferred.
contributions for the
calendar year will reach • Roth after tax – voluntary contributions made on an after tax basis and are
your retirement limits, included in current taxable income; earnings are tax exempt if they are
contact HR with other part of a qualified distribution (at least 5 years from the year of your first
retirement plan UA Roth 403b contribution and after you have reached age 59½).
participation information.
You will want to choose your Roth and tax-deferred contributions based on
your age, time horizon and current/future tax bracket.
Can I change my original
retirement elections?
You can change your
Where Do I Contribute?
voluntary retirement The UA Retirement Plan offers many investment options through one or both
contribution elections fund sponsors:
every month. This
includes the amount you • Fidelity Investments –Go to netbenefits.com/uark or call Fidelity directly at
are contributing and 1-800-343-0860 to learn more.
changing your vendor • TIAA - Teachers Insurance and Annuity Association. Go to
choice between TIAA & www.tiaa.org/uasys or call TIAA directly at 1-800-842-2252 to learn more.
Fidelity. You cannot
contribute to both TIAA &
Fidelity in the same pay UA employees have the option of investing their contributions in a streamlined
cycle. You can change your selection of funds or setting up a self-directed brokerage account to invest in
contribution or vendor any their choice of thousands of mutual funds. TIAA and Fidelity will continue to be
time online through the investment providers but funds from Vanguard, JP Morgan and others will
Workday. be available in the core lineup through both Fidelity and TIAA. See the next
page for the funds available. If you do not make a fund election you will be
defaulted to the Target Date Funds closest to your 65th birthday.
4 Guide to University of Arkansas BenefitsRetirement
To simplify your choices, the University has created the following investment tiers Contact Fidelity
within Fidelity and TIAA’s lineup so you can choose an investment style that helps directly:
you meet your retirement goals and needs. You do not need to choose from just 1-800-343-0860
one category; you may invest using any or all of these categories. netbenefits.com/uark
To schedule Individual
Ticker Counseling, call:
Tier 1: Target Date Funds Plan
Symbols 1-800-642-7131
Vanguard Institutional Target Retirement Income Fund Institutional Shares VITRX
Vanguard Institutional Target Retirement 2010 Fund Institutional Shares VIRTX
Contact TIAA directly:
Vanguard Institutional Target Retirement 2015 Fund Institutional Shares VITVX
Vanguard Institutional Target Retirement 2020 Fund Institutional Shares VITWX 1-800-842-2552
Vanguard Institutional Target Retirement 2025 Fund Institutional Shares VRIVX www.tiaa.org/uasys
Both
Vanguard Institutional Target Retirement 2030 Fund Institutional Shares VTTWX To schedule Individual
Fidelity &
Vanguard Institutional Target Retirement 2035 Fund Institutional Shares VITFX Counseling, call:
TIAA
Vanguard Institutional Target Retirement 2040 Fund Institutional Shares VIRSX 1-800-732-8353
Vanguard Institutional Target Retirement 2045 Fund Institutional Shares VITLX
Vanguard Institutional Target Retirement 2050 Fund Institutional Shares VTRLX
Vanguard Institutional Target Retirement 2055 Fund Institutional Shares VIVLX Individual Counselors
Vanguard Institutional Target Retirement 2060 Fund Institutional Shares VILVX from both Fidelity &
Ticker TIAA are usually available
Tier 2: Passive Funds Plan
Symbols on campus to provide
Vanguard Extended Market Index Fund Institutional Shares VIEX free, on-site, individual
Both
Vanguard Institutional Index Fund Institutional Shares VINIX retirement planning
Fidelity &
Vanguard Total Bond Market Institutional Shares VBTIX
Vanguard Total International Stock Index Fund Institutional Shares VTSNX
TIAA counseling sessions.
Ticker Contact Fidelity & TIAA
Tier 3: Actively Managed Funds Symbols
Plan directly for
American Funds Europacific Growth Fund RERBX appointments.
CREF Money Market n/a
CREF Social Choice Account n/a In-Service Cash is
CREF Stock Account Class n/a
TIAA available to active
Harbor Capital Appreciation Retirement HNACX
Metropolitan West Total Return Bond Plan MWTSX employees age
TIAA Real Estate Account n/a 59 ½ and older. Using
TIAA Traditional n/a this option, active
Fidelity® Contrafund® - Class K FCNKX employees can have
Fidelity® Diversified International Fund – Class K FDIKX access to their
Fidelity® Total Bond Fund FTBFX
Fidelity (employee) contributions
Lincoln Stable Value Fund n/a
Principal Real Estate Securities Institutional Call PIREX while still employed.
Vanguard FTSE Social Index Fund Investor Shares VFTSX Employees must
Eagle Small Cap Growth Class R6 HSRUX separate from service to
Goldman Sachs Small Cap Value Class R6 GSSUX
Both
have access to the
JP Morgan Value Advantage Fund Class L JVAIX employer contributions.
Fidelity &
MassMutual Select Mid Cap Growth Equity Fund II Class I MEFZX
TIAA
MFS Mid Cap Value Fund Class R6 MVCKX
Vanguard Federal Money Market Fund Investor Shares VMFXX
You should review the
Tier 4: Self Directed Brokerage Plan UA Retirement Summary
Provides you with the opportunity to invest in a broad range of investment options Plan Description (SPD)
beyond those offered directly through the plans. Contact Fidelity at 800-343-0860 for for a more detailed
a fact sheet and a commission schedule for applicable fees and risks. Contact TIAA at summary of plan
Both
800-927-3059 if you have questions about a TIAA Brokerage Account. The self- provisions. See the
Fidelity &
directed brokerage tier includes investments beyond those in the plan lineup. The Investment Options
TIAA
plan neither evaluates nor monitors the investments available in the self-directed
Guide for descriptions of
brokerage tier. It is your responsibility to ensure that the investments you select are
suitable to your situation. the funds available.
Guide to University of Arkansas Benefits 5Health Coverage
Additional Information The University of Arkansas Health Coverage Plan is a self-funded plan. Claims are
Go to the Human administered by UMR (a division of United Healthcare) and participants use UMR
Resources website to providers as their in-network providers. The prescription drug portion of the
find the Summary Plan University’s Health Coverage plan is administered by MedImpact. Both UMR and
Description, Plan
MedImpact offer nation-wide networks of providers.
Comparisons,
Prescription Formulary, You have a choice of three health plans (all administered by UMR) for you and your
and other additional family’s health coverage:
information.
• Go to CLASSIC PLAN
https://www.uasys.e If you select the Classic Plan, you will have mid-range premiums & mid-range out- of-
du/
pocket costs. There are no benefits for out-of-network providers other than for true
• Go to “Benefits” emergencies. Participants are eligible for a healthcare FSA—see pages 16 &17.
• Click on Health &
Wellness - Medical
HEALTH SAVINGS PLAN
• Click on Medical
If you select the Health Savings Plan, you will have the lowest monthly premiums but
Benefit Summary
will have the highest out-of-pocket costs. Services for out-of-network providers will be
Plan Description
covered at reduced rates. Participants are eligible for a Health Savings Account (HSA)—
see pages 16 and 17.
PREMIER PLAN
If you select the Premier Plan, you will pay the highest monthly premiums but will have
the lowest out-of-pocket costs. Services for out-of-network providers will be covered
at reduced rates. Eligible for a healthcare FSA—see pages 16 & 17.
Who can I cover?
• Your lawful spouse
• Children from birth to
the date they turn 26
• Children include
biological child,
legally adopted child,
stepchild, and eligible
foster child
• Dependent Eligibility
Documentation
required. See “How Find A Provider
Do I Enroll” pages 28-
29 for additional Medical – UMR Pharmacy - MedImpact
information • Go to UMR’s website – www.umr.com • Go to MedImpact’s website –
• Click on “Find a Provider” mp.medimpact.com/uas
• Choose the “University of Arkansas • Click on “Create an account” and set up
System” to search for an in-network your login
provider • Click on “Pharmacy Search”
6 Guide to University of Arkansas BenefitsUniversity of Arkansas System Medical Plans Comparison Summary
Beginning January 1, 2022, here’s what you’ll pay under each medical plan.
Classic Plan Premier Plan Health Savings Plan
SmartCare Non-SmartCare SmartCare Non-SmartCare SmartCare Non-SmartCare
Individual $800 $1,350 $400 $800 $2,800
Deductible
Family $1,600 $2,700 $800 $1,600 $5,400
Coinsurance 20% 25% 15% 20% 5% 10%
$4,750; $2,550;
Out-of- Individual Wellness: $5,250; Wellness: $3,050; $6,250 $6,750
Pocket $3,350 Wellness: $3,850 $2,050 Wellness: $2,550
Maximum
$9,500; $5,100;
Family Wellness: $10,500; Wellness: $6,100; $12,300 $13,300
$6,700 Wellness: $7,700 $4,100 Wellness: $5,100
Primary Care Office $20 $35 $10 $25
5% after 10% after
Visit deductible deductible
5% after 10% after
Specialist Office Visit $40 $55 $30 $45 deductible deductible
Preventive Care
ACA- and ACIP- Plan covers 100% Plan covers 100% Plan covers 100%
compliantwellness and
well-baby visits,
immunizations, and
screenings
Disposable Medical
Plan covers 100%, up to $800 in Plan covers 100%, up to $800 in
Supplies 10% after deductible
disposable supplies disposable supplies
Test strips, oxygen filters,
lancets, etc.
$150 copay, $300 copay, $150 copay, $300 copay,
Hospital Inpatient then 20% after then 25% after then 15% after then 20% after 5% after 10% after
Services deductible deductible deductible deductible deductible deductible
$350 copay, then 25% after $350 copay, then 20% after
Emergency Room Visit deductible (waived if admitted) deductible (waived if admitted) 10% after deductible
Therapy Services
$40 copay, $55 copay, $30 copay, $45 copay,
Speech, physical, 5% after 10% after
then 20% after then 25% after then 15% after then 20% after
occupational (copay deductible deductible
deductible deductible deductible deductible
on initial evaluation
visit only)
Outpatient Diagnostic 20% 25% 15% 20%
5% after 10% after
Lab Services deductible deductible
Outpatient Diagnostic 20% after
$160 copay,
15% after
$80 copay,
5% after 10% after
Testing and Surgical deductible
then 25% after
deductible
then 20% after
deductible deductible
Services deductible deductible
Advanced Imaging $75 copay, $150 copay, $50 copay, $100 copay,
5% after 10% after
CT, PET, MRI (prior then 20% after then 25% after then 15% after then 20% after
deductible deductible
authorization required) deductible deductible deductible deductible
Urgent Care Visit $55 $50 10% after deductible
Prescription Drugs
Individual $1,700 $1,700
Out-of- Combined medical and
Pocket prescription drug out-of-pocket
Maximum Family $3,400 $3,400 maximum
Tier I $18 copay $14 copay
Tier II $62 copay $57 copay 10% after deductible
Tier III $97 copay $92 copay
Guide to University of Arkansas Benefits 7Definitions and Other Information
Coinsurance: The percentage you pay toward the Prior Authorizations (PA): Required for many
cost of covered services after you pay the deductible. complex or inpatient services and procedures.
Check the plan document or contact UMR for
Copayment (copay): The fixed dollar amount you pay information on PAs. These are some examples
each time you receive a covered service or supply. of services requiring PA:
Deductible: The fixed dollar amount you pay each • Admission to inpatient facilities or partial
year before the plan pays for covered services. In- hospitalization units
network and out-of-network deductibles accumulate
separately and do not cross apply. • Referral to out-of-network care
• Prenatal/maternity care
EBRx: A UAMS service that provides prior
authorization, appeal, and exception support for • Home health services
the health plan pharmacy program. Contact EBRx • Infusion services
at 501.214.2156 or toll-free at 833.650.0475. • Hospice
Emergency Room Visits: The emergency room • Transplants
visit copayment is waived if you’re admitted to • All advanced imaging (e.g., MRI, CT, stress test)
the hospital.
MedImpact: Provides pharmacy network access, SmartCare: An additional benefit for participants
customer service, and formulary support for using University medical facilities at the University of
the health plan pharmacy program. Contact Arkansas for Medical Sciences (UAMS), University
MedImpact Pharmacy Services at 800.788.2949 or of Arkansas Fayetteville, and University of Arkansas
mp.medimpact.com/uas. at Little Rock. Not all covered services and supplies
are available through SmartCare; the SmartCare
Out-of-Network Care: Not available to those benefit does not transfer to other non-University
enrolled in the Classic Plan (other than emergency providers or facilities.
services and services with prior authorization).
The health plan has an extensive network of local • UAMS SmartCare: 501.686.8749
and national providers, facilities, and centers of • University of Arkansas Fayetteville SmartCare:
excellence. Additional out-of-pocket expenses apply 479.575.4451
to non-network providers and services.
• University of Arkansas at Little Rock
Out-of-Pocket Maximum: The most you pay toward SmartCare: 501.569.3188
your deductible, coinsurance, and copayments
(combined) in any calendar year. The out-of-pocket UMR: Provides customer services, prior authorization,
network access, and appeals reviews for the health
maximum does not include the prescription drug
plan. Contact UMR Health Plan Customer Service at
out-of-pocket maximum (Classic and Premier plans)
or non-covered services. 888.438.6105 or umr.com.
Preventive Care Services: Include well-baby/
child visits, annual wellness exams, screenings, and
immunizations, as provided in the ACA and ACIP
guidelines.
8 Guide to University of Arkansas BenefitsInfertility Treatment
In 2019, Infertility Treatment was added as a benefit of the University of Arkansas Health Plan. The maximum lifetime
benefit is $17,500. Coverage includes: Associated IVF prescription drugs, Artificial insemination, Gamete intrafallopian
tube transfer (GIFT), Intracytoplasmic sperm injections (ICSI), Medical costs for donor sperm/eggs, and genetic testing to
diagnose infertility. Some exclusions apply. Talk to a Benefits Representative for more information.
Claims Appeals
Employees who disagree with a denial of a medical claim or a rescission of coverage determination can request that the
Plan review its initial determination by submitting a written request to the Plan. There are two levels of internal appeal
and a third level through a right to an external review. There are timelines and specific procedures for all three levels of
the appeals process. For more information and assistance with filing an appeal, please reach out to a Benefits
Representative or refer to the Plan Description found on the UA System website: https://benefits.uasys.edu/health-and-
wellness/medical/.
Monthly Health Coverage Premiums
Health Insurance premiums at the University of Arkansas are divided among six different salary bands. Employees in the
lower salary bands receive a larger percentage employer contribution than employees in the higher salary bands. On
the next page you will find listed the employee premiums for Health Coverage. Note, employees who are less than
100% appointed will be in the salary band of their equivalent 100% appointed salary. See page 11 for a graph of all
health premiums.
Prescription Drugs
The prescription part of the University of Arkansas Health Coverage plan is administered by MedImpact. MedImpact has
a nation-wide network of pharmacies, including most chains. The UA prescription drug formulary is maintained by the
University of Arkansas System Pharmacy Advisory Committee, which is composed of faculty and clinical pharmacists,
physicians and nurse practitioners who advise the Committee on the most recent medical research results. The
Committee’s recommendations are based on the latest available evidence-based studies.
You pay one co-payment for each 30-day supply of drugs. Certain maintenance medications will allow you to get a 90-
day supply (one copayment for each 30-day supply) after you have filled two 30-day supplies.
Specialty Drug Distribution Program
MedImpact Direct Specialty will handle claims for all specialty drugs. These drugs will be filled through one of three
partnered pharmacies: UAMS, Kroger, and US Bioservices. If you are on one of the following medications, you will need
to set up an account with one of the partnered pharmacies to fill your prescriptions: Humira, Enbrel, Otezla, Xolair,
Imbrucvica, Revlimit, Ibrance, Xtandi, Jakafi, Venclextra, Imatinib, Deplixent, Gilenya, Stelara, Tecfidera, Cimzia, Glatopa,
or Capecitabine. Please call 1-877-391-1103 for questions regarding this program. This program does not affect your tier,
copay, or coinsurance.
Guide to University of Arkansas Benefits 9Wellness Benefits
The University of Arkansas health coverage plan promotes wellness. Annual physicals, annual OB/GYN exams and
well-baby visits are covered at 100%. New employees enrolled in UA health coverage will be required to complete
a Tobacco/Nicotine Pledge. Employees who do not complete the Tobacco/Nicotine Pledge or do not certify their
enrollment in a tobacco cessation program or who elect to continue to use tobacco/nicotine will be charged a $50
per month Tobacco Surcharge, in addition to the monthly premium. Nine-month appointed faculty will pay a
prorated amount over nine months. All employees will recertify annually.
Nutritional Counseling
One annual visit with a dietitian and up to 3 additional visits in conjunction with health coaching for those who have a
BMI of 27 or above. For 3 additional visits, prior authorization is required and continued approval contingent upon
program compliance.
Real Appeal
Real Appeal is an online weight loss program available to you at no additional cost through our health benefits plan.
With Real Appeal, you get a transformation coach who leads online group sessions; online tools to help track your food,
activity, and weight loss progress; and a success kit with recipes, scales, workout DVDs and more shipped right to your
door. Get started today at www.enroll.realappeal.com. Have your health insurance ID card accessible during enrollment.
Bariatric Surgical Procedures
Bariatric Surgical Procedures are covered if you have a body mass index of 40 without co-morbidity or BMI of 35 or
greater with obesity-related co-morbid medical conditions including hypertension, cardiopulmonary condition, sleep
apnea, diabetes, or any life threatening or serious medical condition that is weight induced. You must demonstrate that
dietary attempts at weight control have been ineffective through completion of a structured diet program such as
Weight Watchers or Jenny Craig; and within the 12 month period immediately prior to the request for the surgical
treatment have completed a structured physician-supervised diet program of no less than six months duration and
including all the following: documentation in the medical record of participation by the physician, no weight gain during
the program, behavior modification supervised by a qualified professional, consultation with and participation in a
reduced-calorie diet program supervised by a dietician or nutritionist, and exercise regimen (unless contraindicated).
Completion of a psychological examination of the member’s readiness and fitness for surgery and the necessary
postoperative lifestyle changes must also be completed. Facilities for procedures are restricted to accreditation under
ACS, ASMBS and MBSAQIP. No experimental or investigational procedures will be covered. Procedures are limited to
one procedure and one revision per lifetime. Cosmetic procedures are not included. Patients must be 18 years of age or
older. See the plan document for more information.
Disease Management
• The Smoking Cessation Program provides free PCP visits and $0.00 copayments for Chantix, a medication for
nicotine addiction.
• By participating in the Pregnancy Management Program, you’ll receive a $300 discount off of hospital expenses if
you enroll in the 1st trimester or $150 if you enroll in your 2nd trimester. For more information, call UMR at 1-888-
438-6105
• The Metabolic Weight Loss programs can qualify you for up to a $1,000/lifetime benefit for individuals with a BMI of
30 and above who participate in coaching. Prior authorization required. Call UMR at 888-438-6105 for more
information.
•
•
•
•
•
10 Guide to University of Arkansas BenefitsJul 2021 Salary Tiers Classic Plan Health Savings Plan Premier Plan
75%-100% Salaries Below $39,000 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
Appointed Employee Only $79.16 $105.55 $55.73 $74.30 $304.72 $406.30
Employee & Spouse $317.94 $423.92 $143.00 $190.67 $864.94 $1,153.25
Employee & Child(ren) $227.41 $303.21 $108.91 $145.21 $646.87 $862.49
Emp., Sp. & Child(ren) $407.78 $543.71 $179.74 $239.66 $1,160.20 $1,546.94
Salaries $39,000-$54,999 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
Employee Only $87.08 $116.11 $62.85 $83.80 $312.64 $416.86
Employee & Spouse $340.65 $454.20 $165.71 $220.95 $887.65 $1,183.53
Employee & Child(ren) $250.15 $333.53 $131.65 $175.53 $669.61 $892.81
Emp., Spouse & Child(ren) $439.15 $585.53 $211.11 $281.48 $1,191.57 $1,588.76
Note: Salaries $55,000-$99,999 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
Employees Employee Only $94.18 $125.57 $69.24 $92.32 $319.74 $426.32
who are Employee & Spouse $363.36 $484.48 $188.42 $251.23 $910.36 $1,213.81
less than Employee & Child(ren) $272.89 $363.85 $154.39 $205.85 $692.35 $923.13
100% Emp., Spouse & Child(ren) $486.20 $648.27 $258.16 $344.22 $1,238.62 $1,588.76
appointed Salaries $100,000-$149,999 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
will be in Employee Only $95.79 $127.72 $70.69 $94.26 $321.35 $428.47
the salary
Employee & Spouse $386.07 $514.76 $211.13 $281.51 $933.07 $1,244.09
tier equal to
Employee & Child(ren) $291.08 $388.11 $172.58 $230.11 $710.54 $947.39
their 100%
Emp., Sp. & Child(ren) $525.41 $700.55 $297.37 $396.50 $1,277.83 $1,703.78
appointed
Salaries above $150,000 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
salary.
Employee Only $97.34 $129.79 $72.09 $96.12 $322.90 $430.54
Employee & Spouse $420.14 $560.19 $245.20 $326.94 $967.14 $1,289.52
Employee & Child(ren) $318.37 $424.49 $199.87 $266.49 $737.83 $983.77
Emp., Spouse & Child(ren) $564.62 $752.83 $336.58 $448.78 $1,317.04 $1,756.06
Salaries Below $39,000 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
50%-74%
Employee Only $180.92 $241.23 $147.31 $196.42 $406.48 $541.98
Appointed
Employee & Spouse $522.33 $696.44 $347.39 $463.19 $1,069.33 $1,425.77
Employee & Child(ren) $397.97 $530.62 $279.47 $372.62 $817.43 $1,089.90
Emp., Sp. & Child(ren) $697.93 $930.57 $469.89 $626.52 $1,450.35 $1,933.80
Salaries $39,000-$54,999 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
Employee Only $186.86 $249.15 $152.66 $203.54 $412.42 $549.90
Employee & Spouse $539.36 $719.15 $364.42 $485.90 $1086.36 $1,448.48
Employee & Child(ren) $415.02 $553.36 $296.52 $395.36 $834.48 $1,112.64
Emp., Sp. & Child(ren) $721.46 $961.94 $493.42 $657.89 $1,473.88 $1,965.17
Salaries $55,000-$99,999 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
Employee Only $192.19 $256.25 $157.45 $209.93 $417.75 $557.00
Employee & Spouse $556.39 $741.86 $381.45 $508.61 $1,103.39 $1,471.19
Note:
Employee & Child(ren) $432.08 $576.10 $313.58 $418.10 $851.54 $1,135.38
Employees
Emp., Sp. & Child(ren) $756.74 $1,008.99 $528.70 $704.94 $1,509.16 $2,012.22
who are
Salaries $100,000-$149,999 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
less than
100% Employee Only $193.40 $257.86 $158.54 $211.39 $418.96 $558.61
appointed Employee & Spouse $573.43 $764.57 $398.49 $531.32 $1,120.43 $1,493.90
will be in Employee & Child(ren) $445.72 $594.29 $327.22 $436.29 $865.18 $1,153.57
the salary Emp. Sp. & Child(ren) $786.15 $1,048.20 $558.11 $744.15 $1,538.57 $2,051.43
tier equal to Salaries above $150,000 12-Month *9-Month 12-Month *9-Month 12-Month *9-Month
their 100% Employee Only $194.56 $259.41 $159.59 $212.78 $420.12 $560.16
appointed Employee & Spouse $598.98 $798.64 $424.04 $565.39 $1,145.98 $1,527.97
salary. Employee & Child(ren) $466.19 $621.58 $347.69 $463.58 $885.65 $1,180.86
Emp. Sp. & Child(ren) $815.56 $1,087.41 $587.52 $783.36 $1,567.98 $2,090.64
*9-Month Premiums. Faculty on a 9-month appointment and staff members paying benefits over 9 months’ pay an additional premium September through
May to prepay for the following June, July, and August. These 9-month premiums are calculated assuming that the premiums will begin in
September and will remain unchanged for a 12-month period (through the following August). If changes are made October or later, 9M employees will have
to pay an extra premium through the following May to assure that sufficient premiums will be collected to pre-pay for the following summer.
Guide to University of Arkansas Benefits 11Dental Coverage
Additional Information The University of Arkansas Dental Coverage plan is designed to assist you in
Go to Human Resources’ maintaining good oral health. The plan helps you pay for basic dental exams,
website to find the Dental restorative care, cleaning services and preventive services. It also covers more
Plan Summary and other intensive and specialty dental needs including fluoride treatments, extractions, oral
additional information.
surgery, crowns, bridges, spacers and implants. The dental plan is administered by
• Go to http://hr.uark.edu/
Arkansas Blue Cross Blue Shield but is self-insured by the University of Arkansas.
• Go to “Benefits”
• Click on Dental Coverage SCHEDULE OF DENTAL SERVICES
Claims, and Appeals
Individual Deductible – (Basic and Major Services) $50
Family Deductible – 2 Family Members (Basic and Major Services) $100
Annual Maximum Payment – Per Person Per Calendar Year $1,500
Who can I cover? Orthodontic Lifetime Maximum – $2,000
• Your lawful spouse Benefit Period – A benefit period for each eligible participant shall mean a calendar
year, the period from January 1st to December 31st of each year. Applies to
• Children from birth to the
Coverage A, B and C
date they turn 26
• Children include In Network Out-of-Network
biological child, legally TYPE A CHARGES: PREVENTIVE SERVICES (not subject to deductible)
adopted child, stepchild Exams 100% 90%
and eligible foster child Radiographic Images (X-rays) 100% 90%
• Dependent Eligibility Fluoride Treatment 100% 90%
Documentation required. Prophylaxis (cleaning) 100% 90%
See “How Do I Enroll” Sealants 100% 90%
pages 28-29 for additional TYPE B CHARGES: BASIC RESTORATIVE SERVICES
information.
Fillings 80% 72%
Extractions 80% 72%
Surgical and Non-Surgical Periodontics 80% 72%
Endodontics (root canals) 80% 72%
Anesthesia 80% 72%
TYPE C CHARGES: MAJOR RESTORATIVE SERVICES
Inlays, Onlays, Crowns 50% 45%
Partials and Dentures 50% 45%
How to register for Implants 50% 45%
Dental Xtra
ORTHODONTICE SERIVCES limited to covered persons to age 18 (not subject to
Go to Arkansas Blue Cross
deductible)
Blue Shield’s website at
Diagnostic, Active, Restorative Treatment 50% 40%
uasdental.blueadvantageark
ansas.com and select the DENTAL XTRA (Included)
“Enroll Now” button in the Two additional cleanings covered per year (a total of four) for members with one of
Dental Xtra section. You’ll the following qualifying conditions: diabetes, coronary artery disease, oral cancer,
receive a letter telling you Sjogren’s syndrome, stroke or pregnancy. Dental Xtra benefits may not be combined
about the additional dental by members with more than one condition.
benefits you’re eligible to ROLLOVER BENEFIT
receive. In-Network calendar- Yearly Available Rollover amount Accumulated
year aggregate Threshold to use next year/beyond Rollover
maximum Amount Maximum
$1,500 $750 $375 $1,500
12 Guide to University of Arkansas BenefitsDental Coverage
ROLLOVER BENEFIT Find a Provider
If no more than $750 claims dollars are paid in a calendar year and if you have • Visit Arkansas Blue Cross
at least one dental claim for the calendar year, your calendar year coverage Blue Shield’s website:
maximum will increase by $375, up to a maximum of $1,500. You can stockpile uasdental.blueadvantage
$1,500 total rollover dollars. arkansas.com
• Click on Search
CHOOSING YOUR DENTAL NETWORK • Enter your zip code and
You have the freedom to choose any licensed dentist for covered services. select the number of
However, it works to your advantage to choose a dentist from the Arkansas miles you are willing to
Dental Select Plus network. You’ll get the deepest discounts and pay less out of drive
pocket when you choose a dentist from the Arkansas Dental Select Plus • Enter name or specialty
network of providers. If you visit an out-of-network dentist, you may be type
required to complete forms yourself or pay a service charge to the dentist. • Click Search
Payment to the out-of-network dentist will be based on Arkansas Blue Cross
Blue Shield fee schedule and not billed charges. You are responsible for paying
100% of any amounts over the fee schedule, plus your percentage portion of
the fee schedule amount.
Monthly Dental Premiums
Campus, System Office,
CJI, Arch Survey
75%-100% Appointed 12 Mon 9 Mon*
Employee Only $16.00 $21.33
Employee & Spouse $33.00 $44.00
Employee & Child(ren) $27.85 $37.13
Emp. Spouse & Child(ren) $44.85 $59.80
50%-74% Appointed 12 Mon 9 Mon*
Employee Only $21.44 $28.59
Employee & Spouse $44.22 $58.96
Employee & Child(ren) $37.32 $49.76
Emp. Spouse & Child(ren) $60.10 $80.13
*9 Month Premiums: Faculty on a 9-month appointment pay an additional premium
September through May to prepay for the following summer, paying for 12 months (Sept-Aug)
over 9 months (Sept-May). Nine-month faculty starting after September will pay a higher
premium to adequately fund the following summer. For example, if a 9-month faculty
member begins benefits Oct 1 and selects Family coverage, he would need to pay for 11
months of coverage (Oct-Aug) over 8 months (Oct-May). Using the 12-month premium to
calculate, monthly premiums through May would be: ($44.85 x 11) ÷ 8 = $61.67.
Guide to University of Arkansas Benefits 13Vision Insurance
Additional Information Vision Insurance, in partnership with EyeMed, is available to you through your
Go to the Human Resources employment with the University of Arkansas. Vision Insurance helps lower your
website to find additional out-of-pocket costs when getting an eye exam and purchasing glasses or
info about Vision Insurance. contacts.
• Go to http://hr.uark.edu/
• Go to “Benefits” EyeMed provides primary vision care benefits including eye examinations,
• Click on Vision Plan prescription eyewear, and contact lenses through a nation-wide network of both
ophthalmologists and optometrists. EyeMed contracts with both local providers
and many national and regional chain locations.
Participation in Vision Insurance is required for the full calendar year; you cannot
cancel coverage or delete eligible dependents during the calendar year.
SCHEDULE OF VISION INSURANCE BENEFITS
BASIC PLAN ENHANCED PLAN
Co-Payments Exam¹ $10 Exam¹ $10
Services/Frequency Exam 1 per plan year Exam 1 per plan year
Frames 1 per 2 plan years Frames 1 per plan year
Lenses 1 per plan year Lenses 1 per plan year
Contact Lenses 1 per plan year Contact Lenses 1 per plan year
Benefits⁵ In-Network Out-of-Network In-Network Out-of-Network
Frames $125 retail allowance¹ Up to $91 $150 retail allowance¹ Up to $105
Contact Lens Fitting $25 co-pay Up to $40 $25 co-pay Up to $40
(standard²)
Contact Lens Fitting $25 co-pay Up to $40 $25 co-pay Up to $40
(premium²)
Lenses (standard) per pair:
Single Vision $25 co-pay Up to $30 $20 co-pay Up to $30
Bifocal $25 co-pay Up to $50 $20 co-pay Up to $50
Trifocal $25 co-pay Up to $70 $20 co-pay Up to $70
Lenticular $25 co-pay Up to $70 $20 co-pay Up to $70
Progressive (standard) $80 co-pay Up to $50 $20 co-pay Up to $50
Progressive (premium) $110-200 co-pay Up to $50 $50-195 co-pay Up to $50
Contact Lenses³ ⁴ $120 retail allowance Up to $84 $150 retail allowance Up to $105
Co-pays apply to in-network benefits; co-pays for out-if-network visits are deducted from reimbursements.
¹Exams at Plus Providers are $0 co-pay. Frame allowances at Plus Providers increase by $50.
²Standard includes contact lens fit and two follow-up visits; Premium includes 10% off retail price, then apply $40 allowance
³Conventional & Disposable (in network): $0 copay; 15% off balance over $120 allowance; Medically Necessary: $0 copay; paid in full
⁴Contacts – Out of Network: Conventional/Disposable: up to $84; Medically Necessary: up to $210
⁵Plan allows member to receive either contacts and frame, or frames and lens services
14 Guide to University of Arkansas BenefitsVision Insurance
Who can I cover?
• Your lawful spouse
DISCOUNT FEATURES
• Children from birth to the
Participants should check the EyeMed provider directory for providers who date they turn 26
offer discounts for additional purchases. Discounts may vary by lens types and • Children include biological
are subject to change without notice. Discounts do not apply if prohibited by child, legally adopted child,
the manufacturer. stepchild and eligible foster
child
• Dependent Eligibility
LENS OPTIONS Documentation required.
In-Network Out-of-Network See “How Do I Enroll” pages
28-29 for additional
Anti-Reflective Coating – Standard $45 Up to $23 information.
Anti-Relective Coating – Premium $57-85 Up to $23
How to use the plan -
Photochromic – Non-Glass $75 Not covered Network Provider
• Identify yourself as a
Polycarbonate – Standard $40 Not Covered EyeMed Vision participant
and present your EyeMed
Scratch Coating – Standard Plastic $15 bas/$0 enh Not Covered
ID card.
Tint – Solid and Gradient $15 Not Covered • Provider will call EyeMed to
verify your coverage and
UV Treatment $15 bas/$0 enh Not Covered obtain an authorization
number.
All Other Lens Options $20% off retail Not Covered • Network provider handles
all claims & paperwork.
OTHER BENEFITS
• Hearing Care from Amplifon Network: Up to 64% off hearing aids; call
1.877.203.0675 for more information Find a Provider
• LASIK or PRK from U.S. Laser Network: 15% off retail or 5% off promo price; • Go to EyeMed’s website
call 1.800.988.4221 for more information at www.eyemed.com
• Click on Find an eye
doctor
• Choose Insight network
Monthly Vision Insurance Premiums and select either Use
My Location or Enter
BASIC ENHANCED
your zip code and select
12 Mon 9 Mon* 12 Mon 9 Mon* Search by Zip; you can
Employee Only $4.69 $6.25 9.48 $12.64 also search by doctor’s
name or by Online
Employee & Spouse $9.31 $12.41 $18.74 $24.99
providers/Lasik
Employee & Child(ren) $9.11 $12.15 $18.37 $24.49 providers
Family $13.85 $18.47 $27.92 $37.23
*9-Month Premiums: Faculty on a 9-month appointment pay an additional
premium September through May to prepay for the following summer,
paying for 12 months (Sept-Aug) over 9 months (Sept-May).
Guide to University of Arkansas Benefits 15FSAs
Additional Information Flexible Spending Accounts (FSA)
Go to Human Resources’
website to find the FSA SPD Flexible Spending Accounts (FSA) are tax-exempt accounts that you can use to
and other information: pay for eligible medical, dental, vision, prescription, and dependent day care
• Go to expenses. Your contributions to an FSA are deducted from your pay before
http://hr.uark.edu/ taxes, which lowers your taxable income. You have two FSA options:
• Go to “Benefits “
• Healthcare FSA – Employees who participate in the Health Savings Plan
• Click on FSA’s & HSA’s are not eligible for the Healthcare FSA. All other benefits-eligible
employees are eligible to participate in a Healthcare FSA.
Important FSA Info: • Dependent (day) Care Account – All benefits-eligible employees are
• There can be no transfer eligible to participate in the Dependent Care FSA.
of funds between You elect your contribution for the remainder of the calendar year within 31
accounts.
days of your benefits-eligible appointment date and annually after that during
• Expenses must in
Open Enrollment. Contributions will be deducted from your paycheck exempt
incurred from the 1st
day of the plan year, or from taxes. You will have access to your full Healthcare FSA annual contribution
your eligibility date, amount any time during the year.
through December 31, Healthcare FSA Dependent Care FSA
or your termination
Eligibility All eligible employees, All eligible employees
date, whichever comes
excluding those participating
first.
in the Health Savings Plan
• You must re-enroll in
2021 Contribution $2,750 $5,000 (married & filing jointly
FSAs every year during
Maximum or single)
the annual enrollment
$2,500 (married and filing
period.
separately)
• Reimbursement Plan Year Rollover Any amount between $50 up Unused funds are forfeited*
requests must be made
to $550*
no later than March 31
Eligible Expenses Medical, prescription drug, Dependent care expenses for
of the following year.
dental & vision expenses, daycare or after-school care
• If you use your FSA including copays, coinsurance expenses for a child under age
Benny Card to pay for & deductibles 13, an elderly person or a
your healthcare person with disabilities as long
expenses, save your as you claim them as a
receipts. You may be dependent on your tax return.
required to provide Expenses must be incurred
documentation that it because you & your spouse are
was an eligible expense. working or looking for work.
Paying for Pay for expenses directly Receive a reimbursement by
*You have until December
Expenses with a UMR FSA debit card or submitting a reimbursement
31, 2022, to spend your
receive a reimbursement by claim form & itemized receipt
2021 Dependent Care and
submitting a reimbursement
Healthcare FSA balance;
claim form & itemized receipt
you must submit claims by
March 15, 2023; unused
2021 funds after March Additional information about eligible covered services
15, 2023, are forfeited. You can get additional information from the New Employee Benefits Enrollment
section of HR’s website or UMR’s website at www.umr.com. Publications 502
(Health Care Reimbursement) and 503 (Dependent Care) will provide the most
detailed information and are available from www.irs.gov.
16 Guide to University of Arkansas BenefitsHSAs
Health Savings Accounts (HSA) 2022 UA HSA Contributions
Once you enroll in the Health Savings Plan, you will open a Health Savings • Individual: Up to $500
Account (HSA) with Optum Bank. You’ll receive a debit card to pay for your • Family: Up to $1,000
eligible health care expenses, along with detailed information about your Half of the UA contribution
account. will be deposited in January
and half will be deposited in
The IRS requires the following in order for you to enroll in an HSA: September. Contributions for
• You must be enrolled in the Health Savings Plan. new hires whose coverage
• You can’t have other health coverage that pays for out-of-pocket health begins after January will be
care expenses before you meet your plan deductible. pro-rated based on your start
date.
• You or your spouse can’t have a Healthcare FSA or Health Reimbursement
Account (HRA) in the same year that you have an HSA.
• You can’t be eligible for or enrolled in Medicare, covered by TRICARE, or
have received Veterans Administration (VA) benefits in the three previous
months. It’s Your Money
• You can’t be claimed as a dependent by someone else. Money in your HSA is always
yours – if you don’t use your
What’s Right for Me – FSA versus HSA entire balance, it will roll over
to the next year. Also, if you
Healthcare FSA HSA
leave UA employment, you
2021 $2,750 pre-tax • Individual: $3,650 pre-tax can take the account with you.
Contribution Elect contribution amount for • Family: $7,300 pre-tax
Maximum the year at new hire and
during Open Enrollment. No Includes University
changes allowed during the contributions. $1,000
year without an eligible additional catch-up
qualifying event. contribution allowed if you
are 55 or older.
Plan Year Any amount over $50 up to Any amount
Rollover $550
Account Account is owned by the You own the account. You
Ownership University. If you leave, you can take it with you if you
can continue to use it through leave the University or retire.
COBRA; once COBRA ends
account balance is forfeited.
Account Growth • Your contributions • Your contributions
• University contributions
• Transfers
• Interest
• Investment income
Access to Funds Full yearly contribution any Only funds deposited in the
time during the plan year account
Reimbursement File eligible claims for the plan HSA funds can be used to pay
year by March 31 of the for any eligible services
following year incurred after your start date
Eligible Copayments or deductibles, dental care, vision care, qualifying
Expenses prescriptions, certain medical equipment. For a full list of
qualified medical expenses, visit www.irs.gov.
Guide to University of Arkansas Benefits 17LIFE, AD&D AND DISABILITY
Additional Information LIFE INSURANCE
Go to Human Resources’
website to find the Life Life insurance provides a payment to family or other beneficiaries in the event
Insurance SPD and other of death. Coverage is provided by Standard Insurance Company (The
information.
Standard). The University of Arkansas provides Basic Life insurance to you at
• Go to http://hr.uark.edu/
no cost. Participation is mandatory and your coverage is equal to one time
• Go to “Benefits” your Annual Earnings, rounded to the next higher multiple of $1,000, if not
• Go to “Catastrophic already a multiple of $1,000, not to exceed $50,000.00.
Care”
You may purchase an additional one, two, three or four times your salary (up
to a maximum of $500,000), by enrolling in the Additional Life insurance.
You pay 100% of the cost for Additional Life Insurance.
Who can I cover? You may purchase Dependents Life Insurance to cover your eligible family
(Dependents Life & members. The benefit is payable to you in the event of their death. You may
AD&D) choose $10,000, $15,000 or $20,000 coverage for your spouse. Children are
• A person to whom you are
covered at one-half of the elected spouse’s coverage.
legally married.
• Children from live birth to
the date they turn 26 Coverage Monthly Cost – paid with after tax dollars
• Disabled child BASIC LIFE INSURANCE Coverage is mandatory & 100% paid by the University.
(documentation required) Coverage is optional & 100% paid by the employee.
ADDITIONAL LIFE
• Children include biological INSURANCE Current Age 12 Mon 9 Mon*
child, legally adopted Less than 30 $0 .037 $ 0.049
child, stepchild, foster 30 butLIFE, AD&D & DISABILITY INSURANCE
LIFE INSURANCE (cont.)
• Pre-trip Assistance;
• Trip Assistance;
• Medical Assistance;
• Legal Assistance
• Emergency Transportation Services;
• Personal Security Services.
Additional Information
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE Go to Human Resources’
You may purchase Accidental Death & Dismemberment Insurance for yourself, website to find the AD&D
your spouse and your eligible dependent children in the event of accidental Insurance SPD and other
death (full benefit) or dismemberment (partial benefit). Coverage is provided information.
by Standard Insurance Company (The Standard). If you enroll in family • Go to http://hr.uark.edu/
coverage, your spouse is covered at 60% of your elected dollar coverage and • Go to “Benefits”
children are covered at 20% of your elected dollar coverage (up to a maximum • Go to “Catastrophic
coverage for children of $25,000). Care Benefits”
Coverage amounts are available in $25,000 increments up to a maximum
coverage of $300,000.
Coverage Monthly Cost – paid with after tax dollars
12Mon Single Family 9 Mon* Single Family
$25,000 $0.38 $0.75 $0.51 $1.00
AD&D Reduction Due to
$50,000 $0.75 $1.50 $1.00 $2.00
Age
$75,000 $1.13 $2.25 $1.51 $3.00
Coverage reduces by:
$100,000 $1.50 $3.00 $2.00 $4.00
• 35% at age 70
$125,000 $1.88 $3.75 $2.51 $5.00
$150,000 $2.25 $4.50 $3.00 $6.00 • 55% at age 75
$175.000 $2.63 $5.25 $3.51 $7.00 • 70% at age 80
$200,000 $3.00 $6.00 $4.00 $8.00 • 85% at age 85.
$225,000 $3.38 $6.75 $4.51 $9.00
$250,000 $3.75 $7.50 $5.00 $10.00
$275,000 $4.13 $8.25 $5.51 $11.00
$300,000 $4.50 $9.00 $6.00 $12.00
*9-Month Premiums: Faculty on a 9-month appointment pay an additional premium
September through May to prepay for the following summer, paying for 12 months (Sept-Aug)
over 9 months (Sept-May). Nine-month faculty starting after September will pay a higher
premium to adequately fund the following summer.
AD&D Coverage
Loss of: Life 100% of Principle Sum Payable AD&D loss must occur:
One hand or one foot 50% of Principle Sum Payable Within 365 days of the date
of the accident.
Sight of one eye, speech, 50% of Principle Sum Payable
or hearing in both ears
Two or more of loses listed above 100% of Principle Sum Payable
Thumb & index finger of same hand 25% of Principle Sum Payable
Quadriplegia 100% of Principle Sum Payable
Hemiplegia 50% of Principle Sum Payable
Paraplegia 75% of Principle Sum Payable
Guide to University of Arkansas Benefits 19You can also read
