Group Term Accidental Death and Dismemberment Insurance (AD&D)

Basic:  University-paid group term AD&D insurance is equal to one times the annual salary, rounded to the next higher $1,000, and capped at the plan maximum of $50,000, but not less than $10,000.

Optional:  Optional AD&D insurance may be purchased in amounts of up to six times the annualized salary, rounded to the next higher $1,000, up to the plan’s maximum.  Employees are responsible for the full cost of optional AD&D insurance.  The premium is a fixed rate for each $1,000 of coverage.  It is not age-graded.

Long-Term Care Insurance

The University offers long-term care insurance, which provides financial protection against the cost of receiving care at home or in a facility when someone needs assistance with activities of daily living due to an accident, illness, or advancing age.  All full-time faculty and part-time tenured and tenure-stream faculty with at least 50% effort are eligible for coverage and, as new hires, may enroll within 60 days without having to submit evidence of insurability; non-tenured, part-time faculty must complete a medical questionnaire.  After 60 days, completion of a medical questionnaire is required of full- time applicants.  Four plan options offer different levels of coverage and rates to meet individual needs.  Employees are responsible for the full premium costs.