HR Benefits – Insurance
The University contributes 75% of the total cost for health insurance premiums. Employees pay 25% of the associated costs. The semi-monthly 2019 health premiums are listed below:
The University pays 100% of the premium costs for dental coverage through CIGNA DHMO plan. An employee can elect the CIGNA Dental PPO and will be responsible for the associated premium cost.
Group Life Insurance - Term life insurance provides coverage equal to an employee’s annual salary rounded to the next thousand, plus $2000. An employee pays two-thirds of the total cost of group life insurance and the University pays one-third. For example:
|Basic Salary||You pay…|
|$100,100 (rounded to the next thousand)
$102,000 + $2,000 = $104,000
Optional Life Insurance - Optional life insurance is available at low cost for an employee and their dependents. Employees pay 100% of the cost of optional life insurance. Listed is an example of the estimated cost of optional life insurance coverage.
|Optional Plan||Additional Coverage||Premium Amount|
|Option A -Standard||Additional $10,000||Determined by age|
|Option B -Additional||Up to 5X employee’s salary||Determined by age and salary|
|Option C -Family
|10K, 25K, or 50K (spouse)
10K (eligible child)
|Determined by age and coverage selected|
Long Term- In addition to the protection afforded to all employees under the Worker’s Compensation Act of the District of Columbia, the District Government and the University provide disability plans for eligible full-time employees.
Short Term- All benefits-eligible employees may enroll in the Short-Term Disability Insurance Program. Short-term disability insurance provides income replacement that may be used in conjunction with your annual or sick leave. This program has a 20-day elimination period. Income is replaced at 66 2/3% of the employee’s base pay and coverage lasts for six months.
Indemnity Plans- All benefits-eligible employees may enroll in the AFLAC Indemnity Plans. The plans pay benefits for covered health events. There are five plans available to employees:
- Cancer Insurance
- Hospital Confinement
- Personal Sickness
- Personal Accident
- Specified Health Event
For additional information on AFLAC indemnity plans, please click the following link: