Summary of Benefits
Health Insurance
TLU provides a self-insured medical and dental insurance plan at minimal cost to all full-time employees (defined for purposes of this policy as anyone who work thirty hours or more per week). A Preferred Provider Organization (PPO) is offered for physician consultations, exams and lab work associated with physician consultations, and hospitalization. There is a $20 co-payment for doctor’s visits associated with an illness or injury provided the doctor is a member of the PPO. Dental and prescription claims are not affected by the implementation of the PPO.
Insurance is provided with a $500 medical deductible (maximum of $1,500 per family per year) and a $50 dental deductible (maximum of $100 per family per year) and a $50 orthodontia deductible. Medical co-payment for services provided by PPO providers is 80% - 20% (50% for outpatient mental health, alcoholism and substance abuse), up to $1,000 ($2,000 for family) out of pocket expense per year. Medical co-payment for services provided by non-PPO providers is 50% - 50%, up to a $2,500 ($5,000 for family) out of pocket expense per year. Dental co-payment is 80% - 20% for basic procedures and 50% - 50% for major procedures and orthodontia, with a maximum benefit per calendar year of $1,000 and lifetime maximum of $1,000 for orthodontia.
The health insurance plan also has a wellness component. Preventive care services will be reimbursed at 100% of the first $500 of covered charges each calendar year; thereafter, regular plan benefits will apply. No deductible will be applied to any of these services. Two dental examinations (diagnostic and preventive dental procedures) will be covered in any calendar year at 100% of covered charges.
The medical plan requires that authorization must be obtained in advance for any planned hospital admission or within two working days after any emergency admission. If prior authorization is not received, an additional $300 deductible will be assessed. When charges for a period of dental treatment (other than emergency treatment) are expected to exceed $500 for you or your dependents, a Dental Treatment Plan must be filed.
You and your dependents are eligible for the insurance the first day of the month coinciding with or next following employment. The current monthly cost of the insurance to you is as follows:
| | Total
Premium | Employee
Contribution | TLU
Contribution |
| Employee Only | $574 | $110 | $464 |
| Employee + Child | $918 | $225 | $693 |
| Employee + Spouse | $1139 | $305 | $834 |
| Employee + Family | $1480 | $415 | $1065 |
Back to top Prescription Benefits
A prescription drug card is provided with your group health insurance. The prescription cost is $10.00 for generic, $25.00 for preferred-list brand name medications, and $40.00 for prescriptions that are not on the preferred list of drugs.
In addition to the prescription drug card, we offer a mail service specifically designed to provide participants with maintenance drugs (prescription drugs that are taken on a continuing basis to treat a chronic or ongoing condition). The prescription cost for a 90-day supply is $10.00 for generic, $25.00 for preferred-list brand name medications, and $40.00 for prescriptions that are not on the preferred list of drugs.
Back to top Section 125 (Cafeteria Plan)
Section 125 enables you to set aside funds for medical insurance premiums, reimbursable medical and/or dependent care expenses on a pre-tax basis. By channeling these funds through the Section 125 account, they are not considered taxable income to you and are, therefore, excluded from Social Security and federal income taxation. Annual enrollment for the Section 125 takes place in April/May; employees are notified of the opportunity to enroll for the following fiscal year.
Back to top Life Insurance
TLU provides basic term life insurance and accidental death and dismemberment (AD&D) insurance for full-time employees based on the following schedule:
- Class A (Employees whose base annual salary is $50,000 or more):
- Basic life benefit in an amount equal to one times annual salary, rounded to the next higher $1,000. This amount may not exceed $250,000.
- Basic AD&D benefit in an amount equal to one times annual salary, rounded to the next higher $1,000. This amount may not exceed $250,000.
- Class B (Employees whose base annual salary is less than $50,000):
- Basic life benefit in an amount equal to two times annual salary, rounded to the next higher $1,000. This amount may not exceed $50,000. Minimum coverage is $30,000.
- Basic AD&D benefit in an amount equal to two times annual salary, rounded to the next higher $1,000. This amount may not exceed $50,000. Minimum coverage is $30,000.
You may purchase basic dependent life insurance for your spouse and/or dependent children for $.62 per month. Coverage is as follows:
Spouse $5,000
Children: less than 8 days $ 0
8 days but < 6 months $ 100
6 months but < 19 years* $2,500
* 25 if full-time student
You may purchase optional life insurance for yourself in increments of $10,000 up to 3 times your annual salary to a maximum of $250,000 without providing evidence of insurability. You may purchase optional dependent spouse insurance in increments of $5,000 to a maximum of $25,000 without providing evidence of insurability. Premiums for optional life insurance for self and dependent spouse are based on the age of the employee. Dependent child coverage in the amount of $10,000 per child may be purchased for $.60 per month per child.
Back to top Long Term Disability
TLU provides Long-Term Disability (LTD) coverage to all full-time employees. The LTD benefit is 66 2/3% of your basic monthly salary, up to a maximum of $10,000 per month. Benefits will begin the 91st day after you are no longer able to perform the duties of your position.
Back to top Voluntary Benefits
You may purchase additional voluntary benefits through payroll deduction. Benefits offered include: vision care, short-term disability, accident protection, hospital protection, cancer, and specified event policies. Detailed information and premiums for these plans are available in the Office of Human Resources.
Back to top Retirement Plan
TLU offers a retirement plan through Teachers Insurance and Annuity Association/College Retirement Equities Fund (TIAA/CREF). This plan is available to employees who work at least 20 hours per week and who have completed 3 months of service at the University; months of service with an eligible employer during the period immediately preceding employment with TLU will also be counted.
Temporary employees and part-time faculty who are hired on a semester-by-semester basis are not eligible for participation in the university retirement plan.
When you enroll in the plan you will contribute a minimum of 3% of base gross wages and the University will contribute 6% of your base gross wages. Vesting is immediate, which means that both your contribution and TLU’s contribution belong to you immediately; there are no length-of-service requirements to be met.
Back to top Supplemental Retirement Annuities
TLU also offers you the opportunity to contribute a portion of your salary toward the purchase of supplemental retirement annuities on a pre-tax basis. Such contributions are not subject to Federal Income Tax until they are received as benefits.
Back to top Pay Periods
Administrative staff and faculty are paid the last working day of each month. Hourly staff are paid bi-weekly every other Friday. Direct deposit, whereby payroll checks are deposited directly to the bank of your choice, is also available. The bank need not be local.
Back to top Credit Union Membership
As an employee of TLU, you are eligible for membership in the Randolph Brooks Federal Credit Union.
Back to top Bulldog Bucks
Discounts on meals are available to employees through the purchase of Bulldog Bucks. Bulldog Bucks may also be used in the TLU Bookstore and the TLU Post Office.
Back to top Employee Meal Plan
Employees may purchase the “E” Meal Plan through payroll deduction each semester. This plan provides you (and your family members when accompanied by you) thirty (30) meals at Hein (which may include the Thursday faculty/staff lunch in the Timmerman Room) and one hundred (100) dining dollars to spend at the snack bar (Lucky’s) or for additional meals at Hein.
Back to top Computer Purchase Program
TLU offers up to $2,400 in interest-free financial assistance to employees who have been employed for a minimum of six months for the purchase of personal computer hardware and software. This financial assistance is payable over 18 calendar months through payroll deductions.
Back to top Fitness Center/Pool
As an employee, you and your spouse will have the opportunity to use the TLU Fitness Center and your immediate family (spouse and dependent children) may use the swimming pool without cost.
Back to top Tuition Remission
Employees of TLU who work at least 50% may register for up to eight courses each fiscal year. Benefits are pro-rated based on FTE. Approval must be sought from your supervisor prior to enrolling in a course.
Spouse and unmarried dependents (as defined by Federal IRS Regulations) of full-time employees may enroll at the University at no tuition cost (spouse and dependents of part-time employees, who work at least 50%, will receive pro-rated benefits). A limit of 180 semester hours of tuition remission will be applied.
All costs other than academic tuition (e.g. fees, books, private music lessons, room and board, etc.) will be considered the financial responsibility of the student, and are not covered under the tuition waiver benefit.
It is also possible for eligible dependents to attend certain other colleges or universities. Benefits for tuition remission at the participating colleges and universities may vary. Contact Financial Aid for a list of participating colleges and universities.
Back to top Paid Leave
Vacation: Full-time employees accrue vacation time based on length of service as follows:
| Length of Service | Monthly Accrual | Annual Accrual | Maximum Carryover |
| | | | |
| 1 – 3 Years | 6.67 | 80 | 120 |
| 4 – 5 Years | 10 | 120 | 180 |
| 6 Years and over | 13.34 | 160 | 240 |
Part-time employees accrue vacation time on a pro-rated basis.
Sick: Full-time employees earn one day of sick leave for each full month of employment (12 days per year). Part-time employees earn sick leave on a pro-rated basis. A maximum of 90 days may be accrued.
Holidays: Employees receive 15 holidays: New Years Day, Good Friday, Memorial Day, Independence Day, Labor Day, 2 days for the Thanksgiving holiday, Christmas Eve, Christmas Day, New Years Eve, and up to 5 floating holidays (pro-rated depending upon date of hire and/or termination date).
Back to top 
