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General Benefits Information (staff)

Medical Insurance: (Christian Brothers Employee Benefit Trust)

EMPLOYEE COVERAGE

• Employees earning less than $35,000/year pay 7.5% of premium per paycheck ($34.25/paycheck)
• Employees earning $35,001 - $60,000/year pay 12% of premium per paycheck ($54.81/paycheck)
• Employees earning more than $60,000/year pay 15% of premium per paycheck (68.51/paycheck)
• Pre-Tax payment option can be exercised
• Regular part time employees (20 hours or more per week) are responsible for ½ monthly premium ($228.36/paycheck)
• PPO Plan (Blue Cross/BlueShield), but may go outside network if desired
• Insurance is effective on the first day of the month following the employee's date of hire

IN NETWORK

• $500/individual, $1,500/family maximum  deductible per calendar year;     
• Out-of-pocket limitation is $2,000/individual
• $4,000/family for in-network use;
• Dr. & Hospital in PPO network: 80% / 20%;
• $20 co-pay for Dr’s office visits;
• $150 co-pay for ER visit
• Hospitalization 80% / 20% Coinsurance

(Co-pays do not count towards deductible)

OUT OF NETWORK

• $1,000/individual, $3,000/family maximum deductible per calendar year;
• Out-of-pocket-limitation is-6,000/individual, $12,000/family for out-of- network use;
• Dr. & Hospital- out of network: 50% / 50%

(No co-pays - out-of-network)

Note:
Employees may choose not to enroll in the insurance coverage. If so, a $500 (gross), one-time payment will be given after 90 days. Employees may enroll or re-enroll during the Open Enrollment period.

This does not apply to graduate assistantships or regular, part-time employees.

TRANSPARENCY IN COVERAGE (TIC)

The Transparency in Coverage Final Rule requires disclosure of the negotiated rates with in-network providers and the historically allowed amounts paid to out-of-network providers, for all health plans available to employees. 

Blue Cross Blue Shield of Illinois (BCBSIL) Transparency in Coverage files can be found .

DEPENDENT COVERAGE

• 40% paid by the employee, University pays 60% of coverage-Current premium $1,380.53 per month, regardless of the number of dependents enrolled; $254.87 will be deducted per paycheck based on 26 pays per year Pre-Tax payment option can be exercised                                           
• Same medical, dental and prescription benefits as employee
• Effective the first day of the next month following date of employment
• If enrolled within 31 days of employee's date of hire, medical records will not be required, and dependents cannot be denied. However, if application is made after 31 days coverage, there is a six month waiting period before insurance coverages take effect
• Dependents are not eligible for life insurance or long-term disability coverage

Note:
Your medical plan requires surgical review, hospital preadmission, and diagnostic authorization.

You or your doctor must call the Health Information Line:

• Before any surgical procedure
• In advance of any non-emergency admission
• Within two working days after any emergency admission
• Before any diagnostic imaging test (CT/PET scans, MRIs)

Surgical Review, Hospital Preadmission and Diagnostic Authorization are obtained by calling:
Authorization Phone Number: 1-800-533-5044

Failure to comply will reduce benefits.

Dental Insurance (Christian Brothers Employee Benefit Trust)

• No additional cost to employee; dependent included w/medical premium                                          
• $50 per calendar year deductible; maximum of $150 per family
• $1,500 maximum coverage per calendar year
•  Pays 100% of checkup & cleaning every six months, x-rays once-per-year year, before deductible is met

Prescription Insurance (Express Scripts)

• No additional cost to employee
• At participating retail pharmacies: (up to a 30-day supply)
  • $10 or 20% of the prescription cost-whichever is greater, for Generic drugs
  • $40 or 20% of the prescription cost-whichever is greater for Preferred Brand Name drugs
  • $70 or 20% of the prescription cost-whichever is greater-for Non-preferred brand name drugs
• Through Express Scripts Mail order & Home Delivery:  (up to a 90-day supply)
  • $25 Co-Pay for Generic Drugs
  • $100 Co-Pay for Preferred Brand Name drugs
  • $125 Co-Pay for Non-preferred Name Brand drugs

Vision Insurance

• No deductible;
• Pays up to $50 / year for exam
• Pays up to $100 / 24 months for frames
• Pays from $50 to $100 for one pair of lenses/12 month period or one pair of contacts every 12 months

Life Insurance (and Accidental Death Benefit) (Lincoln Financial Group Through CBEBT)

• No cost to employee
• Term life insurance benefit equal to 1-1/2 times annual salary

Note: Benefit in excess of $50,000/year is taxable income

Long-term Disability Insurance (LTD) (Lincoln Financial Group Through CBEBT)

• No cost to employee
• Benefit:  60% of salary as LTD income after a 90 day qualifying period

Pension (Christian Brothers Employee Retirement Plan)

• After 4 years and 9 months of service, employees are vested in the pension program

Tuition Waiver

• Employees are eligible for tuition waiver as follows:
  
  

  At Date of Hire: For Undergraduate Tuition	After One Year of Service: For Graduate Tuition
  Regular full-time: 100%	Regular full-time: 100%
  Regular part-time: 50%	Regular part-time: 50%
  Limited part-time: 25%	Limited part-time: 25%

  
  
• Spouse and dependent children of employees become eligible for Undergraduate tuition benefits as follows:
  
  

  After 6 months of service	After 1 year of service
  50% for dependents of full-time employees	100% for dependents of full-time employees
  25% for dependents of regular, part-time employees	50% for dependents of regular, part-time employees
  25% for dependents of limited, part-time employees	25% for dependents of limited, part-time employees

  
  
• Spouse and dependent children of employees become eligible for Graduate tuition benefits as follows:
  
  
    0-4 years of service 5-9 years of service 10+ years of service Regular full-time 25% 50% 100% Regular part-time 25% 50% 50% Limited part-time No Waiver 25% 25%
  
  
• Students must maintain satisfactory academic progress as defined in the University catalog to maintain eligibility for tuition benefits

PTO (Paid Time Off)

• PTO benefits shall accrue as follows:
  
  

  Exempt (Salaried) Employees		Non-Exempt (Hourly) Employees
  Service	Benefit	Service	Benefit
  1st year	15 day	0-3 mos	None
  2nd year	16 days	3 mos- 2 yrs	15 days
  3rd year	17 days	3rd year	16 days
  4th year	18 days	5th year	17 days
  5th year	19 days	7th year	18 days
  6th year	20 days	9th year	19 days
  7th year	21 days	10th year and thereafter	20 days
  8th year	22 days	Vice Presidents, Associate Vice Presidents, Associate Provosts and Deans 25 Days per calendar year
  9th year	23 days
  10th year	24 days
  11th +years	25 days

  
  
• Exempt employees shall receive 1.25 days (monthly proration of fifteen days over twelve months) PTO for each full month worked from the date of hire through the end of that calendar year
  
  
• Non-exempt employees, upon completion of their probationary period, will receive (a) office employees: 9.25 hours, or (b) service employees: 10 hours (monthly proration of fifteen days over twelve months) of PTO for each month worked through the end of the calendar year

• Employees may carry over an unused balance of 5 days of PTO into the first half of the next calendar year.
  
  PTO days carried over must be used by December 31 of the following year.

STDB (Short Term Disability Bank Days)

• All employees will be given 5 days each July 1st for their STDB. The STDB will accrue from year-to-year and can be utilized only for physician-verified absence of 3 days or more.

Flexible Spending Accounts

• FSA for Medical and/or Childcare. The Medical FSA carries a $2,850 annual cap and the Childcare FSA caries a cap of $5,000 annually. 
• Premiums are pre-taxed. 
• Open enrollment is 30 days from the date of hire OR during the month of December each year.

AFLAC Insurance Accounts

• Five plans are available:   Accident, Cancer, Specified Health Plan (covers heart attack, stroke, burns, and transplants), Intensive Care and Short-term disability. 
• Premiums are pre-taxed. 
• Open enrollment is 30 days from date of hire OR during the month of December each year.

Employee Assistance Program

• Employees and their families & extended families can enjoy free benefits from Perspectives, Inc., including counseling, help with personal or family issues, Care Coordinator Services, assistance with making a Will, filing taxes, childcare, and much more.

Long Term Care Insurance

• Employees have the option to purchase Long Term Care Insurance for themselves, spouses, parents and grandparents and adult children and siblings, through Genworth Financial.

This snapshot is a summary of benefits and is not intended to be an all-inclusive statement of benefits.  The data CD, Your Employee Benefits, and the gray booklet, Summary Plan Description, have been provided to you as resources for your insurance and retirement benefit questions.  In all cases, please consult these documents and contact Office of Human Resources to provide clarification.

Additional information on employee benefits is available in The Office of Human Resources (SB-104 in St. Charles Borromeo, ext. 5270 or hr@lewisu.edu).

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