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The State offers you a number of optional supplemental
insurance plans in which you may participate. These plans include:
supplemental hospitalization; cancer/intensive care; dental; vision
and, accident/disability. If you choose to enroll in any of these
plans, your premiums must be pre-taxed.
The State does not contribute any money to pay for these programs.
If you are interested in enrolling in one or more of these plans,
please click on a link below to learn more.
Since the program is pre-taxed, once you make a selection you will
not be able to make a change during the plan year unless you experience
a qualifying event.
Dental Plans
You can provide for your dental needs by choosing between three
distinct options - Pre-Paid, DPPO or Indemnity.
PRE-PAID OPTION
The pre-paid option allows you to select a general dentist from
a list of participating dentists. There may be a charge or co payment
for some services such as oral exams, amalgam (silver-colored fillings),
routine semi-annual cleaning, and x-rays. Other services such as
specialty care have discounted fees or have a preset co payment.
DPPO
The DPPO works very much like a health insurance PPO. You will receive
the highest discounts by selecting a participating dentist, although
you may see a non-participating dentist and still receive benefits
at a discounted rate.
INDEMNITY OPTION
The indemnity plan allows you the flexibility to pick the dentist
of your choice for both general dentistry and specialty care. Your
reimbursements are either a percentage of the dentist's charge or
a payment based on a schedule. When a claim is filed, reimbursements
are made based on a schedule of benefits. Most plans have a deductible
and include an annual maximum benefit.
DENTAL INSURANCE PROVIDERS
Oral Health Services (OHS)
Pre-Paid
DPPO
American
Dental Plan (ADP)
Pre-Paid
Indemnity
Cigna
Pre-Paid (Managed Care) Plan
Denticare
Pre-Paid
Indemnity
HOW TO ENROLL IN A DENTAL PLAN
1. Complete the form
, listing all dependents to be covered.
2. If you are enrolling in a prepaid dental plan, you must select
a dental facility from the brochure listings. (Brochures can be
obtained through Human Resources) List the appropriate facility
number in the space allotted on the form. Offices with this symbol
(*) or NNP are not accepting new patients. If you do not choose
a dental facility, the provider will assign one to you.
3. Submit the form to Human Resources within sixty days of your
hire date.
4. You will receive a card(s) from your dental provider through
the mail within 6-8 weeks after your effective date.
Vision Care Plan
UCF offers a supplemental vision care plan through "Visioncare"
Rates
Bi-Weekly Deductions
Employee Only: $3.48
Employee + Family: $8.94
For information about Visioncare’s policies and eligible
doctors, visit their website
or call them at 1-800-749-5855.
HOW TO ENROLL IN THE VISION PLAN
1. Complete the Insurance
Enrollment form.
2. Submit the form to Human Resources within sixty days of your
hire date.
3. Prior to using the vision plan remember to contact VisionCare
to obtain a claim form to take to your appointment.
Supplemental Cancer & Intensive Care Insurance
CANCER
Cancer insurance helps you pay for the direct and indirect costs
of cancer treatment. The money is paid directly to you regardless
of your other insurance coverage. This money can be used to pay
for the medical, non-medical, and day-to-day living expenses not
covered by your major medical plan(s). You can choose from options
that include hospital confinement, radiation, and chemotherapy
treatment benefits. Coverage also provides a wellness benefit
to reimburse you for certain cancer screening tests used for early
detection.
INTENSIVE CARE
The intensive care coverage pays regardless of any other insurance
you may have by helping you offset the costs associated with intensive
care treatment for any sickness or injury.
CANCER/INTENSIVE CARE PLAN PROVIDERS
American Family
Life Assurance Company of Columbus (AFLAC)
Three Cancer Plans with optional riders (Dread Disease Rider
and Building Benefit Rider)
Two Hospital Intensive Care Plans
Colonial Life
and Accident Insurance Company
Cancer Plan
Intensive Care Plan offered as a rider with Cancer Policy
HOW TO ENROLL IN A CANCER AND/OR INTENSIVE CARE PLAN
1. Complete the enrollment
form and the company application found in the brochure. (Brochures
can be obtained through Human Resources)
2. The enrollment form and the company application must be submitted
to Human Resources within sixty days of your hire date.
NOTE: Additional medical forms may be required.
Hospitalization
HOSPITALIZATION
Supplemental hospitalization insurance provides benefits which
fill the gap between what your health insurance pays and what
the hospital charges. These charges are hospital deductibles,
room and board charges, co payments, and any special fees.
You can choose a plan that best meets your needs.
Hospitalization Plan Providers - ALTA through Capital
Insurance and Philadelphia American by The
Gabor Agency, Inc.
Accident/Disability
This insurance provides you with benefits for an accident and/or
disability, depending on the plan you choose. The money is paid
to you regardless of your other insurance coverage, including
Workers' Compensation, hospitalization, annual leave or sick leave.
See a Colonial representative for coverage limitations.
Disability Policy Provides
- Benefits for both on and off the job accidental injuries and
sickness. Income benefits are available up to $3000 a month,
if you qualify. Extended waiting periods and 1 or 2 year benefit
periods are also available.
- You are covered 24 hours a day, on and off the job.
- Your benefits begin the first day of an accident and the 15th
day for a covered illness.
- Your disability policy is guaranteed renewable for life.
- Your premium is based on the disability amount selected according
to your income eligibility.
Accident Only Policy Provides
- Hospital confinement benefit paid for on and off the job covered
accidents (up to three months) and begin the first day of confinement.
- Medical fee up to $200 for injuries occurring on or off the
job.
- Accidental death and dismemberment benefit on and off the
job.
- Specified injuries such as fractures, dislocations, and emergency
treatment benefits on and off the job, even if you continue
working.
- You can also choose a disability rider for off-the-job accidental
injuries.
- Accident only policy provides coverage 24 hours a day, 365
days a year, except as noted in the policy and brochure.
These policies include the following features:
- Benefits are paid directly to you or anyone you choose.
- Benefits are paid to you regardless of other insurance you
may have including Workers' Compensation, hospitalization, Social
Security, annual leave and sick leave.
- You can continue your coverage if you change jobs or retire.
- There is no limit to the number of claims you may file.
- Premiums are determined by the plan you select.
- A special policy is available for your children.
NOTE: If you take advantage of the provision that exists
in some supplemental policies that allows cancellation of the policy
within 14 days, you must notify Human Resources Benefits Section.
Enrollment or change of coverage in this plan is subject to approval
by Colonial prior to any payroll deductions being taken from your
paycheck.
Post-Tax Plans
The Gabor Insurance Agency offers several post-tax supplemental
plans including
- Short Term Disability
- Long Term Disability
- Group Term Life
- Cash Value Life
- Accidental Death and Dismemberment
SHORT-TERM DISABILITY
You must be a permanent full-time employee (20 hours or more per
week) to participate in this program provided you enroll within
your first sixty (60) days of employment or during an open enrollment
period. Please note, Gabor Insurance open enrollment periods are
not held annually.
This plan pays a monthly benefit from the 31st day to the 90th day
of disability. Disability means your inability to do the substantial
and material duties of your regular occupation because of a sickness
or injury. The monthly benefit is two-thirds of your base salary
with the maximum monthly benefit being $6000.00.
HOW TO ENROLL IN SHORT-TERM DISABILITY COVERAGE
1. The company application must be submitted to Human Resources
within sixty days of your hire date.
2. Complete the company application found in the brochure entitled
"Insurance Plan for Employees of University of Central Florida
represented by The Gabor Agency, Inc." (Brochures can be obtained
through Human Resources)
3. To calculate your cost for STD:
Take your annual salary and divide by 100
Multiply by .37 which is equal to your annual premium
Divide by 24 to determine your bi-weekly cost
Example - $35,000 / 100 x .37 / 24 = $5.40
STATE UNIVERSITY SYSTEM (SUS) LONG-TERM DISABILITY
(LTD) INCOME INSURANCE
If you are a full-time employee (20 hours or more per week), you
are eligible to participate in the SUS Group Long Term Disability
Income Insurance Plan offered through the Gabor
Agency and underwritten by Unum Life Insurance Company of America,
so long as you apply during your first sixty (60) days of employment
or during an open enrollment period. Note that Gabor Agency open
enrollment periods are not held annually.
BENEFITS
Monthly Benefit
The Monthly Disability Benefit is 66 2/3% of salary. The maximum
monthly benefit is $6000.00. The maximum monthly salary against
which premiums are charged is $9000.00 [If you are a faculty member,
only your academic year contract salary is included in determining
contract benefits and premium].
Waiting Period
Monthly Disability Benefits begin on the ninety-first (91st) day
of disability.
Benefit Period
Disability Benefits are paid to age 65 if your disability commences
prior to age 60. If your disability commences after age 60, your
benefits are payable according to the schedule in the Gabor SUS
LTD plan brochure.
Cost of Living Adjustment
On the first anniversary of benefit payments and each following
anniversary, the Monthly Disability Benefit will be increased by
3%, up to a maximum of five annual increases.
Pension Supplement Benefits
If you are insured under this policy for at least three months prior
to disability and thereafter remain continuously disabled for a
minimum of six months, the Company will have an annuity certificate
issued on your behalf into which will be deposited, at the end of
the first year following commencement of disability, an amount equal
to 11% of your pre-disability monthly salary beginning with the
91st day of disability. After twelve months, 11% of the pre-disability
monthly salary will be deposited into the annuity account on a monthly
basis as long as your disability continues, up to age 65. This benefit
is in addition to the Monthly Disability Benefit, is not subject
to integration with "Other Income Benefits", and not subject
to the Maximum Monthly Disability Benefit. Annuity income benefits
begin at age 65 or, if you have recovered and returned to work before
then, at the time of your retirement. However, if the accumulated
cash value is less than $10,000 at that time, it is paid to you
in one sum instead of a monthly income.
Other Income Benefits
Benefits are reduced for primary Social Security income, other group
or franchise disability insurance, any salary received while on
paid leave status [including sick pay], workers' compensation, or
retirement benefits. However, regardless of any offsets, the minimum
that you can receive from the plan is 10% of your monthly benefit
or $100.00, whichever is greater, plus the Pension Supplement Benefit.
Pre-existing Conditions Exclusion
A "pre-existing condition" means a sickness or injury
for which you received medical treatment or consultation, had medical
care or services including diagnostic measures or prescribed drugs
or medicines within ninety days prior to the effective date of your
insurance. The policy will not cover disability caused or contributed
to by a pre-existing condition, or resulting from a pre-existing
condition. But, the policy will cover a disability caused by a pre-existing
condition once you have performed the material duties of your occupation
on a full-time basis and for at least twelve months after your effective
date of insurance, and provided the disability commences after such
twelve months.
HOW TO ENROLL IN LONG-TERM DISABILITY COVERAGE
1. Complete the company application found in the brochure entitled
"Group Long Term Disability Coverage for Employees of the State
University System of Florida". (Brochures can be obtained in
Human Resources)
2. To calculate your cost for LTD:
Take your annual salary and divide by 100
Multiply by .52 which is equal to your annual premium
Divide by 24 to determine your bi-weekly cost
Example - $35,000 / 100 x .52 / 24 = $7.58.
3. The company application must be submitted to Human Resources
within sixty days of your hire date.
GROUP TERM LIFE INSURANCE
You must be a permanent, full-time employee (30 hours or more per
week) and may choose an amount of coverage based on your age and
salary.
This plan offers a disability benefit as well as an accelerated
living benefit. Please see the Gabor brochure for the schedule of
benefits and complete benefit explanations.
CASH VALUE LIFE INSURANCE
Cash Value Life Insurance provides members of this group with permanent
life insurance that may never be terminated, except for non-payment
of premium. This program contains cash, loan, and other nonforfeiture
values.
Included in this program are "Interest Sensitive" and
"Universal Life" policies which offer current earnings
opportunities as well as life insurance protection for your family.
The rates payable are the regular individual rates except that the
premium is less than would normally be charged for similar insurance
on an individually billed monthly payment plan. Thus, you may obtain
life insurance protection at guaranteed preferred risk low rates,
and also accumulate cash savings for future needs.
If you are a permanent full-time (30 hours or more per week) employee
under age 66, and are enrolling within your first sixty (60) days
of employment you may apply for any amount of insurance you wish,
up to three times your salary, to a maximum of $150,000. Larger
amounts are available to you, your spouse, and dependent children
on the same rate basis by providing evidence of insurability. Employees
over age 66, may still apply for this insurance subject to the insurance
company's normal underwriting requirements.
ACCIDENTAL DEATH AND DISMEMBERMENT (PERSONAL
ACCIDENT INSURANCE)
All permanent full-time (30 hours or more per week) employees may
enroll in this plan which offers full 24 hour, 365 days-a-year,
world-wide coverage against any type of accident in the course of
business or pleasure. The plan includes accidents whether on or
off the job, occurring in or away from the home, traveling by train,
airplane, automobile, and some other public or private means of
conveyance. The benefits payable under this plan are payable in
addition to any other benefits which may be in effect at the time
of accident.
You should review the Gabor brochures or contact a Gabor representative
for your earliest possible effective date or for more information
on these plans.
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Last modified: 09 February 2004
Human Resources Webmaster
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