55.41 - Employee Health and Life Insurance

July 21, 2009 (formerly APM 50.41)

A. General. Health and life insurance programs are extended to UI employees on a regular board appointment at 50% time or greater, and working for five consecutive months or longer and are offered, on a voluntary basis, to their dependents. Health programs for active employees typically include medical, dental, vision, accident, and disability as well as access to an Employee Assistance Program (EAP). Additionally, the University sponsors flexible spending accounts for health and dependent care as well as a variety of voluntary benefits options, not described here. [Note: These descriptions of benefits do not create a contract or guarantee. The Regents reserve the right to amend, modify or terminate any benefit in part or in its entirety at any time.]

A-1. Benefit Plan Descriptions. The benefits described in this section are governed by pertinent plan documents and are subject to change at any time. This section provides only a brief summary of plan information. Respective plan documents govern the programs and contain the most accurate, complete and up-to-date information. See Benefits Website. [Note: If there is a difference between the summary information below and the plan documents, the respective plan document will govern.]

A-2. Available Benefit Plan Information. Information and booklets describing various UI benefits are available from Benefit Services and at Benefits Website. A Benefits Orientation is routinely offered and is available to new and existing employees as needed, to assist employees in making decisions and understanding benefits.

A-3. Benefit Plan Rates and/or Charges. Benefits and employee rates are subject to change and are published in the University of Idaho Register and on the Benefit Services website. The most current and accurate benefit information is available from the benefit handbooks available on HR’s Benefit Services web page. Benefits Website.

B. Medical and Dental Programs.

B-1. Medical and Dental Programs. A group medical and dental program covers UI employees on regular board appointment at 50% time or greater for five consecutive months or longer and is offered on a voluntary basis to their dependents. The employee shares in the cost of coverage. Amounts vary based on percent of appointments. Rates, plan details, handbooks, and summary plan descriptions are available on the Benefit Services website at Benefits Website.

B-2. Graduate Students. Graduate Teaching and Research Assistants are not eligible to participate in the Employee Medical/Dental Program. Postdoctoral fellows on regular board appointment are eligible to participate if they are working 50% time or greater for five consecutive months or longer.

B-3. COBRA Coverage. In the event of loss of coverage for any reason other than gross misconduct, employees and dependents may be extended coverage under the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA). Disabled or retiring employees may also have additional options available; refer to these appropriate sections for more information. (See APM 55.39) [ed. 7-09]

C. Life and Accidental Death and Dismemberment Insurance.

C-1. Basic Group Life Insurance. UI pays the basic Group Life Insurance premium for UI employees on a regular board appointment at 50% time or greater, and working for five consecutive months or longer. Group Life Insurance does not cover Cooperative Extension Service personnel who carry federal group life insurance unless they have executed a waiver of the federal insurance. Graduate Teaching and Research Assistants are not eligible for Group Life Insurance benefits. Group Life Insurance is equal to one year’s annual salary rounded up to the next $1,000. It is necessary for employees to designate beneficiaries for Group Life Insurance; forms for designating or changing beneficiaries may be obtained from Benefit Services.

C-2. Accidental Death and Dismemberment Insurance. Accidental death and dismemberment insurance provides benefits in addition to basic Group Life Insurance for active employees only.

C-3. Spouse and Dependent Life Insurance. The basic Group Life Insurance also covers an employee's spouse and legal dependents age10 days to 23 years. Dependent spouses or children may have rights to covert their coverage after the death of an employee. Conversion of benefits must occur within 30 days of the loss of coverage. More information is available from Benefit Services and on Benefits Website.

C-4. Supplemental Life Insurance is available without health evidence when and employee is first eligible for basic life. Late entry may be available during open enrollment periods. Health evidence may be required for late entrants. Information is available from Benefit Services (208) 885-3697 and at Benefits Website.

D. Voluntary Benefits. Voluntary benefits may offer additional health or insurance benefits or options for continuation of coverage. Beneficiaries should contact these vendors directly. Current contact information for voluntary program vendors affiliated with UI may be found on our website: Benefits Website.