Medical, Dental, and Vision Insurance
The university makes medical, dental, and vision insurance with a substantial employer contribution available to classified staff members who are appointed to work at least 75 percent of full time, based on a 12-month period. Classified staff members who are appointed to work from 51percent to 74 percent of full time, based on a 12-month period, are also eligible to enroll for medical, dental and vision coverages. However, the employee contribution health care coverage for these employees is equal to 50 percent of the cost of the coverage.
Medical, dental, and vision coverages are effective the first day of eligible employment. You may also enroll for these benefits during an annual open enrollment or when a family status change--such as birth, marriage, or divorce-- occurs. Your paid medical premium contributions are automatically deducted from your pay on a pre-tax basis.
If you are leaving the university for reasons other than gross misconduct and presently receive university-provided medical, dental, and vision insurance, you may purchase, at your own expense, continuing coverages through the university’s group plan for up to 18 additional months. If your spouse or child becomes ineligible for continuing health coverages due to a loss of dependent status, your spouse or child can purchase continuing coverage for up to 36 additional months through the university’s group plan.
When you terminate employment at the university, your medical insurance benefits continue until the end of the month of separation. Visit the Anthem Blue Cross and Blue Shield Medical Coverage webpage to find more information about medical insurance benefits.
Prescription Drug Benefits
You and your dependents are provided prescription drug benefits through the university’s medical insurance plan. Benefits are provided for both short-term acute care prescriptions and for maintenance drugs taken over longer periods of time. When you terminate employment at the university, your prescription drug benefits continue until the end of the month of separation.
Visit the Prescription Drug webpage for information regarding benefits for short-term acute care prescriptions and for maintenance drugs.
Flexible Spending Accounts
If you are appointed to work at least 51 percent of full time based on a 12-month period, you are eligible to enroll for a Flexible Spending Account (FSA). FSA’s allow you to pay for unreimbursed health care expenses and for daycare expenses, using pre-tax dollars. You make pre-tax contributions to a Health Care FSA or a Dependent Care FSA through payroll deduction. Your contributions to a Health Care FSA may be used to pay unreimbursed medical, dental and vision care expenses. Your contributions to a Dependent Care FSA may be used for reimbursement of day care costs for dependent children or adults so that you can work. Flexible Spending Accounts are regulated by federal tax laws which require you to forfeit any unused contributions you make to your FSA in a calendar year.
Expenses incurred before your employment with Wright State or after your separation from the university are not eligible for reimbursement from your Flexible Spending Account.
Life and Accidental Death and Dismemberment Insurance
The university provides life and accidental death and dismemberment insurance to you effective the first day of employment if you are appointed to work at least 51percent of full time, based on a 12-month period. To assure coverage, you must complete enrollment forms as soon as employment begins. You are provided term life insurance in an amount equal to two times your annual salary. An equal amount of accidental death and dismemberment insurance is also provided. You and your eligible dependents may purchase additional life insurance within the first 30 days of employment or during the annual enrollment period.
The Internal Revenue Code stipulates that employer-provided group term insurance coverage in excess of $50,000 is subject to taxation. The amount of tax can be computed using a formula available in Human Resources. You have the option to waive all or a portion of the life insurance provided by the university to limit your taxable income. Forms to waive coverage are available in the employee benefits section of Human Resources.
Your life insurance is extended for 30 days following termination of university-provided or purchased coverage. During this period you can convert all or a portion of the coverage to another form of individual life insurance without a physical examination.
Long-Term Disability Insurance
Long-term disability income coverage is provided to you if you work at least 75 percent of full time based on a 12-month period. The disability income benefit is 60 percent of your current earnings, less any income benefits payable to you by the Ohio Public Employees Retirement System, the State Teachers Retirement System of Ohio, Social Security, or workers’ compensation benefit(s). This benefit becomes effective after six months of disability and usually lasts until age 65 or when the disability ends. If disability occurs after age 65, the benefit will cease no later than age 70.
Employee Assistance Plan
You and members of your household can receive short-term, problem-focused counseling through the Employee Assistance Plan (EAP) to deal with a variety of personal and work-related problems. You may recognize the need for professional help, or your supervisor may suggest assistance. There are no fees for EAP services, and EAP counseling is confidential.
Additional voluntary benefits are available to Wright State employees. They include:
- Long-term care coverage
- Hearing care plan
- Supplemental life insurance for the employee and the employee’s family members