Summary of Faculty Benefts - January 1, 2022 - University of ...
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
Summary of Faculty Benefts January 1, 2022
UNIVERSITY OF SOUTH ALABAMA FACULTY BENEFITS
Welcome to the University of South Alabama - #WeAreSouth! This guide provides important information about the
benefts ofered to new employees, including a brief description of each beneft. You may also obtain additional
information from the Human Resources website at http://www.southalabama.edu/departments/fnancialafairs/
hr/. Benefts and an employee’s right to them are subject to certain laws, University regulations and individual plan
documents. Additional information is provided in the individual plan booklets and brochures. The University reserves
the right to either change, modify, or terminate these benefts at any time.
New Employee Enrollment
It is important to review and understand these benefts so that you can enroll in the plans for which you are eligible
and that meet your needs. The choices you make will be in efect for the remainder of the calendar year unless you
experience a qualifying change in status event.
New employees must enroll in beneft programs within the frst 30 days of employment, after a qualifying “change in status”
event or during the Open Enrollment period held annually in November with coverage efective January 1.
Additional benefts information may be obtained from Human Resources at the following addresses:
UNIVERSITY OF SOUTH ALABAMA USA HEALTH
Human Resources Human Resources
650 Clinic Drive 210 Cox Street
TRP III, Suite 2200 Mobile, Alabama 36604-3391
Mobile, Alabama 36688-0002 Phone: (251) 415-1604 • Fax: (251) 415-1606
Phone: (251) 460-6133 • Fax: (251) 460-7483 E-mail: hrhealth@health.southalabama.edu
E-mail: hrmaincampus@southalabama.edu
USA HEALTH UNIVERSITY HOSPITAL
Human Resources
2451 University Hospital Drive
Mobile, Alabama 36617-2293
Phone: (251) 471-7325 • Fax: (251) 471-7075
E-mail: hrhealth@health.southalabama.edu
Human Resources Website
http://www.southalabama.edu/hr
The University of South Alabama is an EO/AA
Employer – minorities/females/veterans/disabilities/
sexual orientation/gender identity
USA HEALTH & DENTAL PLANS
The University of South Alabama ofers two comprehensive plans which include health, dental and pharmacy
benefts. Employees may choose to enroll in either of these two plans, as a new employee or during open enrollment,
by selecting the one that best fts their needs. The USA CHOICE PLAN and the USA SELECT PLAN is administered by
Blue Cross Blue Shield of Alabama. The employee receives a summary of the beneft plans to assist in the decision-
making process.
USA CHOICE PLAN: Benefts are received within a network of Blue Cross Blue Shield providers or within the USA
Health network of hospitals, physicians, outpatient clinics and other providers afliated with the University of South
Alabama. By using a USA Health provider, the member receives medical care at a lower cost to both the Plan and
the member.
USA SELECT PLAN: This plan is a narrow network design based on USA Health medical providers and providers
from the BCBS PPO network. The USA Select beneft design has no deductibles or copays when using a USA Health
network provider. Other BCBS PPO providers are covered at 70%. By using a USA Health provider, this will ensure
you are receiving the very best beneft possible.Monthly Employee Cost: Single* Family* child care expenses. Money set aside in these accounts
USA Choice Plan $142 $472 will reduce taxable income, providing participants with
USA Select Plan $90 $300 more value for the dollar. Each plan provides a VISA®
*Includes the non-tobacco wellness incentive of $50 reimbursement account card for use when you incur
Monthly University Cost: Single Family a qualifed medical expense. Participants may also
USA Choice Plan $535 $1,124 submit expenses through the online participant portal for
USA Select Plan $381 $795 reimbursement. As other eligible expenses are incurred
Pharmacy Benefits such as dependent care expenses, claims may be fled
The USA Choice and USA Select Plans provide for reimbursement. The University pays all administrative
prescription drug coverage administered by Prime expenses for this beneft.
Therapeutics, Inc. Coverage is automatic for
employees and eligible dependents enrolled in the LIFE & DISABILITY PLANS
Plans.
USA Wellness Program University-Paid Group Term Life Insurance
The University of South Alabama encourages all Company: Sun Life
employees to adopt healthy lifestyle choices. We have Website: sunlife.com Phone: 800-247-6875
implemented a tobacco cessation program, intended to The University provides at no cost to benefts-eligible
help employees stop using tobacco products, which will employees a group term life insurance plan from Sun Life.
greatly improve their health. Coverage is provided in accordance with the following
schedule:
Employees and their spouses who declare that they
do not use tobacco products (and have not for at least Annual Base Salary Coverage Amounts *
six months) will be eligible to receive a $50 per month $12,500 or less $25,000
$12,501 - $15,000 $26,500
wellness incentive (one per family). Employees are
$15,501 - $17,500 $28,000
required to certify on the enrollment application that $17,501 - $20,000 $32,000
they do not use tobacco products. $20,001 - $22,500 $36,000
Employees and their covered spouses who use tobacco $22,501 - $25,000 $38,000
products are not eligible for the $50 wellness incentive. $25,001 - $30,000 $42,000
However, employees and their covered spouses can $30,001 - $35,000 $45,000
$35,001 - $38,500 $48,000
qualify for the $50 wellness incentive after they stop
$38,501 and over 125% of salary
using tobacco products for at least six months.
($100,000 maximum beneft)
The USA Choice and Select Plans are committed to
*Includes a $5,000 beneft for spouse and eligible
helping you achieve your best health. The wellness
children.
incentive is available to all employees. If you
think you might be unable to meet the standard University-Paid Accidental Death &
under this Wellness Program, you may qualify for an Dismemberment Insurance
opportunity to earn the same reward by different The University provides at no cost to eligible employees
means. Contact the USA Human Resources an Accidental Death & Dismemberment (AD&D) policy
department for additional information. from Sun Life in the amount equal to the Basic Term
Premium Conversion Life Insurance if death was caused by an accident.
Premiums for the USA Choice and Select Plans are AD&D also pays a beneft if a serious injury results in
automatically deducted before any federal, state dismemberment.
or Social Security taxes are withheld. The result is a Additional Group Term Life Insurance
reduction of taxable income equal to the amount paid Additional term life insurance equal to one, two, or three
for health and dental insurance during the calendar times the base annual salary is available to the faculty
year. member at group rates. Faculty applying for additional
FLEXIBLE SPENDING ACCOUNTS coverage must be medically underwritten. Additional
Health Equity, Inc. coverage for spouse and dependent children is available
Website: www.healthequity.com and is also subject to underwriting.
Phone: 866-346-5800 Teachers’ Retirement System—Group Life Insurance
Teachers’ Retirement System of Alabama
Eligible employees can take advantage of flexible Website: www.rsa-al.gov Phone: 877-517-0020
spending accounts by setting aside pre-tax money
through payroll deductions to pay for qualifed health Teachers’ Retirement System provides $15,000 of free
care expenses, including deductibles and copays, out- term life insurance coverage to full-time active members.
of-pocket dental expenses and qualifed dependentPart-time member’s insurance is prorated based on FTE. The University of South Alabama 457(b) Plan
The death beneft payable varies with age, service credit Organization: Retirement Systems of Alabama (RSA-1)
and circumstances of death. Website: www.rsa-al.gov Phone: 877-517-0020
University Paid—Long Term Disability Insurance Company: TIAA
Company: Sun Life Website: www.tiaa.org Phone: 800-842-2776
Website: sunlife.com Phone: 800-247-6875 Company: AIG
The University provides at no cost to eligible employees Website: aig.com Phone: (251) 281-7595
long term disability insurance through Sun Life. After a
90-day period of disability, 60% of the employee’s base 457(b) plans allow eligible employees to defer receipt of
monthly salary will be paid for permanent or temporary a portion of their salary until some later date, usually at
total disability, up to a maximum beneft of $10,000 a retirement or termination of employment. Contributions
month. are made on a pre-tax basis and accumulate tax-free
until withdrawal.
RETIREMENT PLANS Eligible employees can also contribute post-tax
contributions to the Roth 457(b). Employees may
The Retirement Systems of Alabama—401(a) make pre-tax contributions to the 457(b) and post-tax
Organization: Teachers’ Retirement System (TRS) contributions to the Roth 457(b) subject to the combined
Website: www.rsa-al.gov Phone: 877-517-0020 limit set by Section 402(g) of the IRS Code.
All eligible employees are required by state law to
contribute 6.2% of their gross annual salary to TRS (certain Contributions to 457(b) plans may be made instead
members will be subject to the Annual Compensation of, or in addition to, any 403(b) contributions. Eligible
Limit). This defned beneft program provides retired employees may participate in both 403(b) and 457(b)
employees with a specifc beneft payable monthly for plans in the same year, contributing up to $20,500
the lifetime of the member. In addition to the employee ($27,000 if over age 50) annually to each plan.
contribution, the University contributes a percentage Social Security
which is determined by the Alabama Legislature. Social Security provides protection in the form of retirement
TRS members are eligible for retirement benefits benefts, disability income, survivor income and Medicare
at age 62 with 10 years of participating service. insurance. Participation is required. In 2022, the employee
Upon service retirement, employees are also and the University contribute 6.2% of the employee’s
eligible to join the state’s Public Education Employee annual salary up to the maximum taxable earnings base
Health Insurance Plan (PEEHIP). Rates for this plan of $147,000. Contributions for Medicare are 1.45% of the
vary based on age at retirement and years of employee’s annual salary. The University contributes a
TRS service. matching amount.
Individuals resigning from employment before vesting LEAVE AND HOLIDAYS
in the program, or before qualifying to receive benefts,
may request a refund of their contributions and Vacation
applicable interest. Twelve month faculty in the Colleges/Schools of
The University of South Alabama 403(b) Plan Allied Health, Arts and Sciences, Business, Computing,
Company: TIAA Company: AIG Continuing Education, Education, Engineering, Medicine,
Website: www.tiaa.org Website: aig.com Nursing and the University Libraries accrue vacation at
Phone: 800-842-2776 Phone: (251) 281-7595 the rate of 1.67 days per month of service for a maximum
The University ofers 403(b) supplemental retirement of 20 days annually.
plans that allow eligible employees to invest in fxed Prior authorization for vacation leave must be obtained
and variable annuities and mutual funds. There is also through normal supervisory channels. Vacation may
a self-directed Brokerage Services Account which gives accrue up to a maximum of two times the annual accrual
employees greater fexibility when building and managing rate. Once two times the annual rate has been accrued,
their retirement portfolio. Employees may reduce their the employee may continue to accrue non-reimbursable
state and federal taxable income by contributing up to vacation which will be converted and transferred to sick
$20,500 ($27,000 if over age 50) annually. leave if not taken by September 20 of the fscal year in
Eligible employees will also have an opportunity to which accrued.
contribute post-tax contributions to the Roth 403(b).
Upon separation of employment, twelve month faculty
Employees may make pre-tax contributions to the 403(b)
are not eligible for the payment of unused accrued
and post-tax contributions to the Roth 403(b) subject to
vacation hours. This includes resignations, terminations
a combined limit set by Section 402(g) of the IRS Code.
and retirements.Sick Leave Assist America Emergency Travel Assistance and Identity
Sick leave is provided to protect a faculty member Theft Protection
against loss of income when confned at home or in Company: Sun Life
the hospital due to illness or injury, or when a faculty Website: sunlife.com Phone: 800-247-6875
member must have health related professional services This University paid beneft provides the employee and
which cannot be obtained outside regular work hours, their eligible dependents with medical, travel, legal
or when a faculty member must care for a seriously and fnancial assistance services when faced with an
ill member of the immediate family for not more than emergency while traveling more than 100 miles away
three days per occurrence. from home. Identity theft protection is provided to
proactively protect your personal fnancial information.
Sick leave is accrued at the rate of one day per
month of service—nine days per year for nine month Employee Assistance Program (EAP)
Phone: (251) 461-1346
appointments, twelve days per year for twelve month
The EAP ofers confdential counseling and referral
appointments—with unlimited accumulation.
services at no cost to the employee.
Holidays
Following are the nine scheduled holidays observed by
the University General Division each year: New Year’s
Day, Martin Luther King Day, Mardi Gras Day, Memorial
Day, Juneteenth, Fourth of July, Labor Day, Thanksgiving
Day, Christmas Day. Additional special holidays may be
designated by the President of the University.
MISCELLANEOUS BENEFITS Live. Learn. Feel. Engage. Join the Movement!
JagFit@South Health and Wellness Initiative is available
Educational Benefit Plan to all University employees. With a focus on health,
Employee - Upon completion of 6 months of employment exercise, nutrition, emotional wellness and sustainability,
prior to the frst day of classes per the University the University is prioritizing a culture change at South
Academic Calendar, regular full-time employees may Alabama. Visit the JagFit@South website for information on
fun and exciting exercise and wellness challenges along
qualify for a tuition credit for up to fve credit semester with quality giveaways to employees who join the health
hours, plus the University registration fee. The tuition and wellness movement and reach specifc milestones.
credit rate is based on the prevailing College of Arts and Learn more at www.southalabama.edu/JagFit.
Sciences undergraduate tuition rate for all course levels.
Employees must maintain at least a 2.0 institutional
grade-point average for undergraduate course work OTHER BENEFITS
and a 3.0 institutional grade-point average for graduate
course work for continued eligibility. • Use of University facilities
• USA Bookstore discount (10%)
Spouse/Dependents – Tuition credit is also available to • Twenty-fve percent (25%) discount on University
the spouse and unmarried dependent children (under Hospital and USA Children’s & Women’s hospital
age 25 on the frst day of classes) of employees who charges after group insurance has paid
are eligible for the educational beneft. The tuition credit • USA Federal Credit Union
is 50% of tuition only (no fees) with no hour maximum. • Free admission to single ticketed athletic events
The tuition credit rate is based on the prevailing College (excludes tournaments and football)
of Arts and Sciences undergraduate tuition rate for all • A discount, up to 20%, on season tickets for all ticketed
course levels. The spouse/dependent children must sports, up to a maximum of 6 tickets per employee
maintain at least a 2.0 institutional grade-point average • Local restaurant discounts
for undergraduate course work and a 3.0 institutional
grade-point average for graduate course work for
continued eligibility.Benefts “At a Glance” Matrix
Benefit Who Pays When Eligible* What to Know
Medical Plan USA & Employee First of month following date of Administered by Blue Cross Blue
employment** Shield of Alabama
Dental Plan USA & Employee First of month following date of Administered by Blue Cross Blue
employment (if enrolled in Medical Plan)** Shield of Alabama
Pharmacy Benefts USA & Employee First of month following date of Administered by Prime
employment (if enrolled in Medical Plan)** Therapeutics, Inc.
Flexible Spending Accounts Employee First of month following date of Administered by Health Equity,
employment Inc.
Provides tax savings on medical
and dependent care expenses
University Paid LTD Insurance USA First of month following date of Payments after 90 days of
employment** disability
University Paid Group Term Life USA First of month following date of Coverage varies with salary
Insurance employment**
University Paid AD&D Insurance USA First of month following date of Coverage equals amount of
employment** Term Life
Voluntary Additional Group Employee First of month following date of Available coverage equal to 1x,
Term Life Insurance (Employee) employment** 2x or 3x base annual earnings
Voluntary Additional Group Employee First of month following date of $25,000 additional coverage
Term Life Insurance (Spouse) employment**
Voluntary Additional Group Employee First of month following date of $10,000 additional coverage
Term Life Insurance (Children) employment**
Teachers' Retirement System USA & Employee Immediately Mandatory employee
401(a) Plan contribution
USA 403(b) Plan Employee Immediately Pre-tax or Roth savings Plan
with TIAA or AIG
USA 457(b) Deferred Employee Immediately Pre-tax or Roth savings Plan
Compensation Plan with TIAA or AIG
Employee Educational Beneft USA Upon completion of 6 months of Employee & dependent tuition
employment credit benefts
Requires full-time employment
Employee Assistance Program USA Immediately Confdential counseling and
referral services
Vacation Leave USA Immediately 12-month faculty
Sick Leave USA Immediately Equals 1 day earned per month
based on appointment
Holidays USA Immediately Nine (9) scheduled holidays
per year with additional special
holidays designated by the
University President
* Most benefts require active enrollment by the employee within 30 days of employment date.
** Employees are eligible to participate in the designated benefts if a regular employee and appointed to
work a schedule of 30 hours or more per week (.75 FTE).You can also read
