Insurances

The University of West Florida offers comprehensive benefit packages for health, dental, vision, hospitalization, and supplemental insurance benefits for state employees (including eligible OPS employees), retirees and their eligible dependents. For more information on each of these plan types, please visit the sections below. If you have additional questions not answered in the below material, please contact the Human Resources Benefits Section at 850-474-2604.

Benefit Topics

Benefits Enrollment

All benefits activity should be coordinated with the Human Resources benefits staff. People First is the benefits plan administrator for the State of Florida. Their responsibilities include, but are not limited to, processing enrollments of pre-tax insurance, processing qualifying status changes (QSC), verification of dependent eligibility, and COBRA benefits.

Open Enrollment

The State of Florida conducts an annual open enrollment period to give employees an opportunity to review and/or make changes to insurances.  For further information, refer to our Open Enrollment Overview.  Make sure that confirmation of any benefit changes are provided to UWF Human Resources via email, fax, or hard copy.

Qualifying Status Change

IRS rules on pre-tax premium plans do not allow for enrollment, additions, changes or cancellations except with the occurrence of a "qualifying status change event (QSC)," followed by written application for a change within a prescribed time frame. The following events are some, but not necessarily all, valid QSC events:

  • Marriage or divorce
  • Death of a spouse or dependent
  • Birth, adoption or legal guardianship
  • Change in dependent eligibility
  • Change in employment status of employee, spouse or dependent such as termination of spouse's employment or change from part-time to full-time status or vice-versa.

To change a benefit election, employees must submit the appropriate paperwork within sixty days from the first day of the event. Outside the sixty day period, the only other time a change can be made is during the annual open enrollment. If an employee experiences a QSC, contact the Human Resources' Benefits Office at 850-474-2604.

Effective Date of Coverage

Faculty and University Work Force (UWF) employees are eligible to begin insurance coverage on the first day of the month following their date of hire and upon completion of online enrollment on the People First web site, along with payroll deduction of premiums.

Employees must submit a Confirmation of Benefits statement to the Human Resources Department upon enrollment in order for payroll deductions to be set up promptly and accurately. Premiums are paid one month in advance, so payroll deduction must occur prior to the effective date of coverage. For example, premiums for September coverage are deducted from the August paycheck. Premiums are deducted from the first two pay warrants received each month. No insurance deductions are made when a third paycheck is received during the same month.

Early Effective Date

For health insurance only, newly eligible employees may request coverage to begin as early as the first of the month following their enrollment on the People First website and payment of premiums through an alternate method. Health premiums may be "double deducted" to withdraw the full month's premium from the 2nd paycheck in a month. Double deductions are not available for supplemental insurance (e.g. dental, vision, disability, etc.) premiums. Enrollments must be completed on the People First Web Site for supplemental insurance and entered into the payroll system for deductions to begin on the first paycheck in the month prior to the desired effective date of coverage.

Other Personnel Services (OPS) Employees

Beginning with January 1, 2014 Other Personnel Services (OPS) employees who have been determined by the People First Service Center as eligible may also enroll in certain State sponsored pre-tax insurances (except for flex-spending accounts, disability insurance, and optional life insurance) with the earliest effective date of the first day of the third month of employment. For example, if hired June 15th, the earliest first date of coverage would be August 1st. OPS employees are not eligible for Gabor insurance products.

Faculty Double Deductions

All nine and ten month faculty members enrolling in State Life and State Health plans will have double deductions taken from their paycheck each spring. Double deductions for health and/or life insurance begin the first paycheck in February and end with the first check in May. Supplemental insurance plans such as dental, vision, short-term disability and hospital insurance will also be double deducted each spring.

These additional deductions are taken out to pre-pay premiums for the months of June, July, August and September. Regular deductions will resume on the first paycheck in September.

Please review your paycheck statements during the double deduction period to insure that your deductions are correct.

COBRA Notification

Under the federal COBRA law, employees who terminate employment are eligible to continue their group health, dental and vision insurance for up to eighteen months. Under special circumstances, you may continue coverage for 29 months if you are disabled. Spouse and dependents may continue coverage for 36 months as a result of divorce.

Upon termination or if eligible for COBRA, People First will send the information necessary for enrolling in COBRA coverage. People First processes all enrollments and payments. The cost to continue coverage is the total premium (no employer contributions) plus a 2% administrative fee. To ensure continuation of coverage, contact the People First Service Center at 866-663-4735.

Plan Information and Resources

For basic information on all of our benefits, please review the Overview of UWF Benefits and Services Offered. More details on State of Florida benefits are given in the Benefit Guide booklet. Additionally, the State of Florida MyBenefits Website includes brochures and side-by-side comparisons for most plans.

Provider Contact Information

Employees wishing to speak with a representative related to a State of Florida insurance or pre-tax plan should refer to the List of Contacts provided by the State of Florida.

If you have a question about a post-tax plan with the Gabor Agency, please contact Samantha Wells at 850-291-5379.



Post-Tax Insurance Plans

(not available to OPS employees)

Long Term Disability
Eligibility

Long Term Disability insurance is available to all benefit-eligible employees at the University of West Florida working at least 20 hours per week. Coverage is not available to Other Personal Services (OPS) employees. Employees pay the full premium amount on a post-tax basis. Employees are guaranteed coverage during their first ninety days of employment.

How to Enroll
  • Complete the long term disability enrollment form.
  • Complete the long term disability evidence of insurability application if enrolling more than 90 days after your date of hire.
  • Submit form(s) to the Human Resources Benefits Section
Summary

Long Term Disability, underwritten by The Standard Insurance Company of America, provides 60% of your basic monthly earnings, less any other benefits, up to $15,000 per month. There are two levels of coverage; 30 day elimination with monthly benefits beginning on day 31 of disability, and 90 day elimination with benefits beginning on day 91 of disability.

NOTE: This plan will not cover any disability that results from a pre-existing condition in the first 12 months after the effective date of coverage.

More information may be found at www.gaboragency.com.

Long Term Care
Eligibility

Long Term Care insurance is available to all benefit-eligible employees at the University of West Florida working at least 30 hours per week. Coverage is not available to Other Personal Services (OPS) employees. Employees pay the full premium amount on a post-tax basis. Employees are guaranteed coverage during their first sixty days of employment up to a $9000 monthly benefit. Additional coverage is available by submitting the evidence of insurability application. Employees and eligible family members are allowed to enroll at any time by submitting the enrollment form with the evidence of insurability application.

How to Enroll
  • Complete the long term care enrollment form.
  • Complete the evidence of insurability application if enrolling more than 60 days after your date of hire.
  • Submit form(s) to the Human Resources Benefits Section.
Summary

Long-term care insurance provides coverage to individuals who are unable to perform at least two activities of daily living or to someone who has severe cognitive impairment. This coverage may be used to cover expenses relating to care in a skilled nursing facility or home based care. There are four coverage plans available that offer long-term care facility coverage, professional home care, total home care and simple inflation protection. The facility monthly benefit amount available is from $1000 to $9000 (in thousand dollar increments) and the benefit duration options are three years, five years or unlimited.

More information may be found at www.gaboragency.com

Gabor Life Insurance
Eligibility

Term, cash value and universal life insurance are available to benefit-eligible employees at the University of West Florida working at least 30 hours per week. Coverage is not available to Other Personal Services (OPS) employees. Employees pay the full premium amount on a post-tax basis. Employees are guaranteed coverage during their first sixty days of employment. Coverage is also available for an employee's spouse and children.

How to Enroll (For Group Life Only)
  • Complete group term life insurance application
  • Complete group term life insurance evidence of insurability form if enrolling more than 60 days after your date of hire (contact The Gabor Agency, Inc. for this application form)
  • Submit form(s) to the Human Resources Benefits Section
Types of Policies

Term Life: Term life insurance provides a benefit depending on the insured's age and has a limit that is also dependent on the insured's age. This insurance also provides a disability benefit and accelerated living benefit. At termination, the insured may convert the policy to whole life insurance during the thirty-one days following employment. At retirement, the employee may continue up to $20,000 of term life insurance with certain provisions.

Cash Value: Cash value life insurance provides a benefit up to three times the employee's salary with a maximum of $150,000. In addition this insurance contains cash, loan, and other non-forfeiture values. At termination, the insured may continue with no conversion necessary.

*For enrollment in this plan, the employee must contact a representative from The Gabor Agency.

PPO: Universal life insurance provides a benefit up to three times the employee's salary with a maximum of $150,000. This insurance allows the face value and premiums to be raised or lowered according to the insured's needs. Upon termination of employment the policy may be continued with no increase in premiums and no conversion necessary.

*For enrollment in this plan, the employee must contact a representative from The Gabor Agency.

More information may be found at www.gaboragency.com

Accidental Death & Dismemberment
Eligibility

Accidental Death and Dismemberment insurance is available to benefit-eligible employees at the University of West Florida working a minimum of 30 hours per week. Coverage is not available to Other Personal Services (OPS) employees. Employees pay the full premium amount on a post-tax basis. Enrollment in this plan may occur at any time. Coverage is also available for an employee's dependents.

How to Enroll
  • Complete voluntary Accidental Death and Dismemberment insurance enrollment form
  • Submit form to Human Resources Benefits Section
Summary

Accidental Death and Dismemberment Insurance, underwritten by Unum Life Insurance Company of America, offers protection against financial hardships that occur when death is the result of an accident, and provides help during a recovery or rehabilitation period if the insured suffers an accidental dismemberment. In addition to the employee, this insurance is available to the employee's spouse or eligible dependents.

Additional features through Accidental Death and Dismemberment Insurance include the following:

  • Paralysis benefit
  • Educational benefit
  • Survivor's benefit
  • Exposure and disappearance Benefit
  • Seat belt and air bag
  • Common carrier benefit
  • Felonious assault benefit

More information may be found at www.gaboragency.com



Pre-Tax/State of Florida Insurance Plans

Health Insurance
Eligibility

Health insurance is available to all benefit-eligible employees. Coverage is available to eligible Other Personal Services (OPS) employees under the Affordable Care Act. The University of West Florida and the employee share the cost of premiums on either a pre-tax or post-tax basis. Employees have 60 days from their date of hire to enroll. Plan changes are only allowed during the annual open enrollment or as a result of an approved qualifying status change.

How to Enroll
  • Complete enrollment with People First.
  • Submit a confirmation statement to the Human Resources Benefits Section to ensure proper setup of payroll deductions.
Summary

Although the benefits are similar from all providers, there are some differences. For example, out of pocket expenses differ between plans, but the premiums are the same. The monthly premiums are $50 for individual coverage and $180 for family coverage. If you elect to participate in the HIHP (Health Investor Health Plan), the premiums will be $15 for individual coverage and $64.30 for family coverage. For additional information on the HIHP, please visit: Medical Plans - Active Employees.

HMO: (Health Maintenance Organization)

The self-administered, pre-paid health plan is available to employees who live or work within the HMO's service area. There is no coverage for services outside of their service area except for life or limb threatening emergencies. You must select a primary care physician that will authorize all medical care, including referrals to specialists and hospital admissions. In the HMO plan, you will pay a co-payment for routine services and emergency room visits.

PPO: (Preferred Provider Organization)

This self-insured health plan is administered by Blue Cross and Blue Shield of Florida, Inc. This plan provides you with the freedom to go to any health care provider. In-network providers meet a lower deductible and lower co-payment for services than non-network providers. With the PPO plan, you do have the flexibility to receive medical attention wherever you are.

To assist in your decision making process visit the MyFlorida Benefits Web site. This website includes a wealth of health-related information, as well as Health Insurance and Flex Spending Calculators.

Dental Insurance
Eligibility

Dental insurance is available to all benefit-eligible employees (including eligible OPS employees). Employees pay the full premium amount on a pre-tax basis and have 60 days from their date of hire to enroll. Plan changes are only available during the annual open enrollment or as a result of an approved qualifying status change.

How to Enroll
  • Choose a dental company and plan.
  • Complete dental insurance enrollment with People First.
  • Submit a confirmation statement to the Human Resources Benefits Section to ensure proper setup of payroll deductions.
Summary

PPO/Indemnity Plans are the most secure and flexible of the available options. Indemnity plans offer a scheduled reimbursement amount (set fee) for covered services from any dentist or specialist.  PPO plans allow for discounts or greater benefit amounts on services with dentists in the network. Consult the Dental Plan Comparison Information for a list of all dental plans available.

Vision Insurance
Eligibility

Vision insurance is available to all benefit-eligible employees (including eligible OPS employees). Employees pay the full premium amount on a pre-tax basis and have 60 days from their date of hire to enroll. Plan changes are only allowed during the annual open enrollment or as a result of an approved qualifying status change.

How to Enroll
  • Complete vision insurance enrollment with People First.
  • Submit a confirmation statement to the Human Resources Benefits Section.
Summary

Vision insurance is an additional insurance to cover eye care related expenses not covered by basic health insurance. These expenses may include comprehensive eye health examinations, annual contact lens allowances, wholesale pricing on frames, and discounts on Lasik and PRK procedures. Employees may choose a full coverage plan (includes eye exams) or coverage for materials (glasses/contacts) only. Keep in mind that you may have some coverage of vision services available under your health plan.

State Life Insurance
Eligibility

Group term life insurance, including an Accidental Death and Dismemberment (AD & D) rider, is available to all benefit-eligible employees (including eligible OPS employees). Plan changes are only allowed during the annual Open Enrollment or as a result of an approved qualifying status change.

Basic Life Insurance Coverage and Premiums

A $25,000 policy underwritten by Minnesota Life Insurance is available to all benefit-eligible employees (including eligible OPS employees). For full-time faculty and University Work Force staff in permanent, line item positions, the University of West Florida pays the cost of premiums (OPS employees must pay the full cost of premiums). All employees in this category are automatically enrolled unless they decline coverage within 60 days from their date of hire. Employees in part-time roles and Other Personal Services (OPS) categories will receive notice from People First regarding eligibility and premiums for this benefit.

Accidental Death and Dismemberment

The basic life insurance coverage also includes an additional benefit of accidental death and dismemberment coverage (AD & D). Enrollees are eligible for benefits, which are paid in the event of accidental deaths or certain injuries. Payments vary from 25% to 100% depending upon the severity of the injury. Participants may also be eligible to receive benefits for the loss of use of limbs.

Optional Life Insurance

Employees who enroll in the basic term life insurance plan also have the opportunity to purchase additional term life insurance. This benefit is not available to Other Personnel Services (OPS) employees. Coverage may be added by selecting amounts from one to seven times the base annual salary, up to a maximum of $1,000,000. This is an "employee pay-all" benefit; however, the premiums are very competitive. Employees who decline optional life coverage when first hired, but subsequently wish to enroll during Open Enrollment, will be subject to medical underwriting conducted by Minnesota Life Insurance.

How to Enroll
  • Complete life insurance enrollment with People First.
  • Submit a confirmation statement to the Human Resources Benefits Section.
Flexible Spending Accounts
Tax-Favored Accounts Announcement

The Florida Department of Management Services and the People First Team announce a new one stop provider, Chard Snyder, for Tax Favored Accounts and Health Savings Accounts effective January 1, 2016.  For details and transition information please visit Tax Favored Accounts.

Eligibility

Participation in flexible spending accounts and/or dependent care reimbursement is available to all benefit-eligible employees. Medical reimbursement and Limited Purpose Medical Reimbursement accounts are not available to OPS employees (Dependent Care Reimbursement is available to OPS employees), but are available to University Workforce, Faculty, and Executive Service employees. Employee contributions are made on a pre-tax basis. Employees have 60 days from their date of hire to enroll and plan changes are only allowed during the annual open enrollment or as a result of an approved qualifying status change.

How to Enroll
  • Complete a flexible spending accounts enrollment with People First.
  • Submit a confirmation statement to the Human Resources Benefits Section.
Summary

Reimbursement accounts allow you to pay for eligible out-of-pocket medical and/or dependent care expenses with tax-free dollars. During each open enrollment period you must elect an annual amount to contribute into a reimbursement account. The amount selected will be deducted from your salary on a pre-tax basis throughout the year. After you incur eligible expenses, you must submit claims to the Division of State Group Insurance (DSGI) with receipt documentation of the expense.

Medical Reimbursement Account:
Minimum: $60 per year     Maximum: $2,500 per year

Use the Medical Reimbursement Account Worksheet in the online brochure to help determine your annual election.

Dependent Care Reimbursement Account:
Minimum: $60 per year     Maximum: $5,000 per year

Use the Dependent Care Reimbursement Account Worksheet in the online brochure to help determine whether you would save more in taxes using the Dependent Care Account or the Child Tax Credit.

NOTE: If you are married, your spouse must be gainfully employed, actively seeking employment, a full-time student or disabled in order to participate in the Dependent Care Reimbursement Account.

How to file a claim

After you incur an eligible expense, fill out the claim form attaching proof of payment and send to the Division of State Group Insurance at the address on the form. Expenses will be reimbursed following the receipt of claims totaling $25 or more, usually within four to six weeks. The $25 minimum will be waived quarterly and at the end of the plan year.

DEADLINE FOR FILING CLAIMS: Up to April 15 of the following year.

Supplemental Health/Hospital Insurance
Eligibility

Supplemental health/hospital insurance is available to all benefit-eligible employees (including eligible OPS employees). Employees pay the full premium amount on a pre-tax basis. Employees have 60 days from their date of hire to enroll and plan changes are only allowed during the annual open enrollment or as a result of an approved qualifying status change.

How to Enroll
  • Complete company application.
  • Complete supplemental hospital insurance enrollment with People First.
  • Submit a confirmation statement to the Human Resources Benefits Section.
Summary

Hospital insurance is additional insurance to cover hospital expenses not covered by basic health insurance. These expenses may include hospital deductibles, room and board charges, co-payments, and any special fees. In addition to hospital expenses, these plans offer home health care, convalescent care facility, hospice care, extended care facility, and ambulatory surgical center.

Cancer & Intensive Care Insurance
Eligibility

Cancer and Intensive Care Insurance is available to all benefit-eligible employees (including eligible OPS employees). Employees pay the full premium amount on a pre-tax basis. Employees have 60 days from their date of hire to enroll and plan changes are only allowed during the annual open enrollment or as a result of an approved qualifying status change.

How to Enroll
  • Complete supplemental insurance enrollment with People First.
  • Complete company application.
  • Submit a confirmation statement to the Human Resources Benefits Section.
Cancer Insurance

This insurance covers the costs for cancer treatment that the basic health insurance does not cover. Each option pays a set amount for surgery and other related treatments.

In addition, each plan offers a first occurrence benefit which is a lump-sum payment made directly to the insured at the time the cancer is diagnosed. The plan also provides assistance towards the cost of family transportation and lodging. The insured must be cancer-free at the time of enrollment.

Intensive Care Insurance

This insurance provides a daily benefit for each day the insured is confined to the hospital intensive care unit for medical reasons.

Accident & Short Term Disability
Eligibility

Colonial Supplemental Insurance provides accident and short-term disability insurance to all benefit-eligible employees (including eligible OPS employees). Employees pay the full premium amount on a pre-tax basis. Employees have 60 days from their date of hire to enroll and plan changes are only allowed during the annual open enrollment or as a result of an approved qualifying status change.

How to Enroll
  • Contact Colonial representative (for disability insurance).
  • Complete Colonial Supplemental Insurance application form.
  • Complete supplemental insurance enrollment with People First.
  • Submit a confirmation statement to the Human Resources Benefits Section.
Summary

Short term disability provides a pre-tax benefit for individuals who are injured on or off the job. You are paid up to 66 2/3% of your annual salary, depending on your chosen plan. Furthermore, Colonial will pay your benefit regardless of any other insurance in which you are enrolled. This plan does not cover any pre-existing conditions.

NOTE: Maternity leave is covered under this plan as long as pregnancy occurs after enrollment.

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