|All Full-Time Non-Union Employees
This page contains the information for the plans available to you. You may access the benefit plan by clicking on the links below.
Below is information regarding the Annual Enrollment period during which you have the opportunity to make certain changes to your Health, Dental, Life and Long Term Disability benefits and this is the time to make elections for the Health Care and Dependent Care Spending and Transit Reimburement Accounts for calendar year 2010. All changes will be effective January 1, 2010.
There is a new payroll deduction frequency for all Medical, Dental, Flexible Spending Accounts, Life and Long Term Disability benefits. The deductions for the benefits above will be taken the first two pay periods of every month. Months that have 3 pay cycles will have NO benefit deductions for the third pay period in that month. Please note this does not apply to 403(b) deductions which are based on a percentage of pay.
Employees who wish to particpate in the Transportation Reimbursement Account (TRIP) for January 2010 must enroll/re-enroll in the plan by completing a new Transportation Reimbursement Enrollment Form. The maximum allowance for the pre-tax Transit account is $230.00 per month and for the pre-tax Parking account is $230.00 per month. Please visit Transportation Reimbursement Account (TRIP) for more details.
If you are making no changes to your benefit coverage you do not have to complete any forms. But keep in mind that if you have or would like to enroll in a Health or Dependent Care Spending Account or the Transit Reimbursement Account, you must complete a 2010 enrollment form.
Under the Medicare Modernization Act of 2003, prescription drug coverage is available to everyone eligible for Medicare. We're pleased to announce that the prescription drug coverage you have right now that is provided by Adelphi University is considered "creditable coverage." For more detailed information, see Medicare Creditable Coverage.
All applicable forms must be returned to the Office of Human Resources by December 4, 2009 to be effective as of January 1, 2010.
Women's Health and Cancer Rights Act of 1998
As required by the Women's Health and Cancer Rights Act of 1998, we provide Benefits under the Plan for mastectomy, including reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy (including lymphedema).
If you are receiving Benefits in connection with a mastectomy, Benefits are also provided for the following Covered Health Services, as you determine appropriate with your attending Physician:
The amount you must pay for such Covered Health Services (including Copayments and any Annual Deductible) are the same as are required for any other Covered Health Service. Limitations on Benefits are the same as for any other Covered Health Service.
- All stages of reconstruction of the breast on which the mastectomy was performed;
- Surgery and reconstruction of the other breast to produce a symmetrical appearance; and
- Prostheses and treatment of physical complications of the mastectomy, including lymphedema.
You will have the opportunity to change your health insurance coverage from your current election if you choose to do so. Download and complete the UnitedHealthcare Enrollment Application and Change Form (PDF 25KB) and the Health Insurance Election Form (PDF 37KB), and return them to the Office of Human Resources to change your current election. If you would like to change to HIP please download and complete the HIP Enrollment Application and Change Form (PDF 617KB).
Due to double digit increases over the last 3 years for the HMO medical plan with HIP, we modified the copays this year to lower the increase in premium. The co-payment for all doctor visits will be $5.00. The co-payment for emergency room visits will be increased to $35.00 and the copayments for prescription drugs will be a three (3) tier $5.00/$15.00/$25.00 copay. These changes contained costs for this plan and resulted in an increase for 2010 of only 5.5%.
Under the UnitedHealthcare options, there will be an increase in the premium rates of 7% for the 2010 plan year.
Please see the 2010 Health Insurance Rates (PDF 33KB) for the various options.
Note: All medical plan options under HIP and UnitedHealthcare will comply with the Mental Health Parity Act effective January 1, 2010.
You can view the UnitedHealthcarecomparison chart here.
In addition, all eligible full-time non-union employees may elect to cover same-sex domestic partners under Adelphi University's health insurance, subject to the requirements of the insurance carriers. Please download the Domestic Partnership Application Form and Requirements (PDF 47KB) for details.
IMPORTANT REMINDER: Laboratory Corporation of America (LabCorp) is UnitedHealthcare’s single national provider for laboratory services. This went into effect January 1, 2007. Quest Diagnostics no longer participates in UnitedHealthcare’s network except in very limited markets.
You will have the opportunity to enroll or change your dental insurance coverage from your current election if you choose to do so. Please see the 2010 Dental Insurance Rates (PDF 31KB) for the two different dental options. For the 2010 plan year there will be a 9.4% increase in rates for the PPO dental plan. For the HMO dental plan option there will be a 9% increase in the rates for 2010. Please print and complete the Dental Election Form and the Empire Dental Enrollment Form for 2010 if you would like to enroll or change your election.
For any questions regarding dental claims, contact Empire Customer Service at 800-722-8879.
Health Care Spending Account
You are allowed to set aside up to $5,000 each year. You may enroll (or re-enroll) in the Health Care Spending Account (HCSA) for the 2010 plan year by simply filling out the HCSA Enrollment Form (PDF 69KB) to indicate how much of your salary you'd like to set aside on a pre-tax basis to pay for allowable, un-reimbursed expenses (medical, dental, etc.). This plan will also reimburse employees for their purchase of non-prescription over-the-counter (OTC) drugs and medicines. Eligible over-the-counter medicines include cold and allergy medicines, aspirin and other pain relievers, antacids and other medicines and drugs that treat a medical condition. Please note that dietary supplements, cosmetic drugs and vitamins are still NOT eligible for reimbursement.
The form must be completed and returned to the Office of Human Resources by December 4, 2009 to be effective January 1, 2010. Your election for the Health Care Spending Account is only effective for one year. Each year you will be required to make a new election for the following year. Please download the Health Care Spending Account Reimbursement Form (PDF 203KB) for details.
Reminder, Health Care Spending account participants are granted a 2 and 1/2 month grace period immediately following the end of the plan year to incur expenses in order to utilize unused balances as of December 31. This means participants will have until March 15th to use the benefits of contributions for the plan before those amounts are forfeited under the use-it-or-lose-it rule. You must be a participant in the plan through the end of the plan year to be eligible to use the 2 and 1/2 month grace period. Claims incurred during the plan year and during the grace period can be submitted up until the run out period of March 31.
Dependent Care Spending Account
The Dependent Care Spending Account provides you with the opportunity to set aside a pre-determined dollar amount each year up to $5,000 to cover allowable, dependent care expenses. Your election for the Dependent Care Spending Account is only effective for one year. Each year you will be required to make a new election for the following year. To be eligible for reimbursement through the Dependent Care Spending Account, dependent care expenses must be incurred to care for:
- Dependent Child(ren) under age 13;
- a disabled spouse or other disabled tax-qualified dependent that spends at least eight hours a day at your home.
You contribute to this account through payroll deductions that will allow you to pay for these expenses on a pre-tax basis. You may enroll in the Dependent Care Spending Account for the 2010 plan year by simply filling out the Dependent Care Spending Account Enrollment Form (PDF 46KB) to indicate how much of your salary you would like to set aside on a pre-tax basis. Please download the Dependent Care Flexible Spending Account Claim Reimbursement Form (PDF 227KB) for details.
Please note: If you use the Dependent Care Spending Account, the IRS requires that you provide the name, address and Social Security or other tax identification number of your care provider. Non-discrimination testing of this plan may require certain employees who enroll to be reimbursed any pre-tax dollars elected for the calendar year and to stop participation.
For information, please contact ADP at 1-800-654-6695.
Transportation Reimbursement Account
Transportation Reimbursement (TRIP) participants may elect to set aside a maximum of $230.00 pre-tax per month for transit expenses and a maximum of $230.00 pre-tax per month for parking expenses. You must enroll (or re-enroll) in the TRIP by simply filling out the enrollment form. You may discontinue this plan at any time, not only during this annual enrollment period. If you would like to enroll or make a change, please download and complete the Transportation Reimbursement Enrollment Form (PDF 138KB). For reimbursement from the plan, download and complete the Transportation Reimbursement Form (PDF 204KB) and forward to ADP.
Long Term Disability Insurance
During the annual enrollment period, you have the option to fully fund the cost of your Long Term Disability Insurance. If the University pays the full premium for your coverage, the benefit received is fully taxable. If you choose to pay for the insurance, which you would do through payroll deductions, the monthly benefit received would not be subject to taxes under current law. Employees under age sixty are eligible to receive 60% of base monthly salary to a maximum benefit of $4,000 per month if the University is paying or $6,000 per month if eligible and if the employee is paying. Please complete the Long Term Disability Enrollment Form if you would like to make a change in the manner in which your long term disability insurance benefits are paid. Click here to view the Long Term Disability Rates.
Our life insurance program is designed to provide a payment to your beneficiary in the event of your death. You can enroll or change your Life Insurance election by completing the Group Life Enrollment/Change Card.
If you have previously elected contributory life and would like to increase the amount, now is the time to do so. You may increase your life insurance amount by half (1/2) of your base annual earnings without proof of good health. If you wish to increase your coverage by more than the above amount, you must provide proof of good health. You may elect to purchase life insurance of up to three times your basic annual earnings up to a maximum of $500,000. Optional Dependent Life Insurance (Spouse and Child), where applicable, and optional Accidental Death and Dismemberment (AD&D) coverage will also be available if you elect contributory life insurance coverage.
In addition, all eligible full-time non-union employees may elect to cover same-sex domestic partners under Adelphi University's life insurance, subject to the requirements of the insurance carriers. Please download the Domestic Partnership Application Form and Requirements (PDF 47KB) for details.
For more information regarding life insurance coverage, visit Prudential Financial.
Adelphi University's Defined Contribution Retirement Plan - 403(b)
In reference to the Adelphi University Defined Contribution Retirement Plan 403(b), effective January 1, 2010 the 403(b) plan employee maximum contribution limit remains $16,500. The "catch-up" feature, allows participants age 50 and older in 2010 to contribute an additional $5,500 above the $16,500 maximum for a total of $22,000. If you would like to make a change for January 1, 2010, print and complete the Salary Reduction Agreement (PDF 120KB) for January 1, 2010. This form must be received by December 4, 2009 to be effective for January 1, 2010. In addition, please view the Explanation of Death Benefits and Beneficiary Designation Notice (PDF 86KB). If you are under age 35 you must read the portion of the notice outlined under Special Rule for Married Participants Younger than Age 35.
Please view the Qualified Default Investment Notice and the TIAA-CREF Default Investment Information.
If you are interested in making a change in any of your benefits, further information and forms will be available in Levermore Hall Room 203, Monday, November 30th and Tuesday, December 1st from 10:00 A.M. - 3:00 P.M.
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