Core Benefits, SPEC Kit 320 (November 2010)

Keith, Brian W.

54 · Survey Results: Survey Questions And Responses
If you answered “Other insurance benefit,” please briefly describe the benefit. N=26
Employee N=9
Auto &Homeowners Insurance Long-term Care Pet Insurance.
Cancer coverage. Accident coverage.
Hospitalization.
Long-term care insurance.
Long-term care insurance -group policy -is an out of pocket expense to employee. Coverage for medications is offered
to all who receive health insurance.
Long-term care insurance plan.
Long-term care insurance.
Sick leave, Government run health care plan, supplementary coverage provided by employer.
Tuition benefit: 100% tuition waived for employees taking university degree credit courses 50% reduction (pro-rated
for part-time) tuition reduction for dependent children of employees taking university degree credit courses.
Employee and Spouse N=3
Long-term Care.
Long-term care and legal insurance.
Long-term Care Coverage.
Employee, Spouse, and Dependents N=4
Cancer and Critical Illness benefits.
Cancer Insurance Accident Insurance Supplemental health/Hospital insurance.
Cancer Insurance. Accident Insurance. Critical Illness Insurance.
Long-term care insurance available.
Employee, Spouse, Dependents, and Same Sex Domestic Partner N=2
Legal insurance.
Legal insurance, which provides a wide range of legal services.
Employee, Spouse, Dependents, Same Sex Domestic Partner, and Opposite Sex Domestic Partner
N=5
EAP/Wellness benefit: “Counseling &Support Services” is now provided by Magellan Health Services. The new
program, formerly the Employee Assistance Program (EAP), offers you and your family unlimited phone support and

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SPEC Kit 320: Core Benefits · 55
an increased number of in-person consultations—up to six (6) visits per issue for each family member at no cost.
Counseling &Support Services also provides a wide range of additional family support benefits, including: Financial
services Personal consultation services Stress management Dependent care referrals for child and elder care Adoption
resources and services Work/Life services.
Extended health Employee and family assistance program.
Group Long-term Care Insurance: Long-term care insurance can help provide protection against the high costs of long-
term care that can result from the effects of aging, illness, or a serious accident.
Long-term Care Insurance.
Optional life insurance: maximum for employee =$600,000 maximum for spouse/domestic partner =$400,000
maximum for dependents =$5,000 each.
35. If both spouses and domestic partners are eligible for coverage, is the employee’s expense for
premiums the same for each? N=40
Yes No NA
Health insurance 32 4 1
Dental insurance 33 3 3
Vision insurance 26 1 —
Short-term disability insurance 2 — —
Long-term disability insurance 2 — —
Other insurance benefit 7 — —
Number of responses 35 4 3

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SPEC Kit 320: Core Benefits · 53
Life insurance is available to all staff but ADD is only available to academic staff and senior support staff designated as
Management and Professional Staff.
The amount of the AD&D benefit is based on a table of covered losses and provides 100% for the loss of life, and 50%
for the loss of a hand, foot, or eye sight from one eye due to an accident which is the sole cause of the injury, the injury
is the sole cause of the loss, and the loss occurs not more than 90 days after the date of the accident. AD&D Exclusions:
AD&D (Accidental Death and Dismemberment) benefits aren’t paid for losses that are the result of the following:
Physical or mental illness, diagnosis of or treatment for the illness infection, unless it is cased by an external wound that
can be seen and which was sustained in an accident, suicide or attempted suicide, injuring yourself on purpose, the
use of a drug or medicine, a war, or a warlike action in time of peace, committing or trying to commit a felony or other
serious crime, or an assault.
The employer also offers an optional life in addition to the basic life benefit which provides additional life insurance
to employees (both librarians and support staff) and is entirely employee paid. The employer also offers an optional
dependent life benefit (both librarians and support staff) for spouse and eligible dependents that is entirely employee
paid. Just to note that the ADD is optional for librarians and is employee paid but the ADD for support staff is not
optional and is entirely employer paid. And there is also a voluntary accidental insurance plan that provides additional
coverage for support staff that is employee paid. Librarians have critical illness insurance that is employer paid and
additional critical illness voluntary insurance for self and for spouse that is employee paid. Librarians and support staff
also have employer paid travel insurance that covers death or bodily injury while travelling on university business.
This is 100% employee paid and is a voluntary benefit.
We don’t pay a percentage on the employee, but we do purchase a $5K policy on all employees.
INSURANCE BENEFITS
34. Please indicate in the table below which of the following insurance benefits are offered to library
staff and whether any of the available plans offer coverage for their spouses, domestic partners, or
dependents. Check all that apply. N=53
Employee Spouse Opposite
sex domestic
partner
Same sex
domestic
partner
Dependents Not
Offered
Health insurance 52 52 23 36 50 —
Dental insurance 53 53 24 38 52 —
Vision insurance 44 43 18 27 43 8
Short-term disability insurance 35 2 1 2 2 10
Long-term disability insurance 50 4 1 2 2 2
Other insurance benefit 24 15 6 8 12 9
Number of responses 53 53 26 39 52 22

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SPEC Kit 320: Core Benefits (November 2010) resources

SPEC Kit 320: Core Benefits (November 2010) resources