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Optional Benefits

Eligible, benefited employees will have 30 days from his/her date of hire to enroll in benefits through the OneUSG Connect Benefit Portal. If no benefits are elected, he/she may enroll in benefits during the annual open enrollment. It is very important that each benefited employee designate beneficiaries on the OneUSG Connect Benefit Portal.

• Health Insurance- Eligible benefited employees and dependents may participate in a comprehensive group health insurance plan. These employee contributions are made on a pre-tax basis. The university offers four health insurance plans through Blue Cross/Blue Shield: Comprehensive Care Plan, Consumer Choice HSA, BlueChoice HMO, and Kaiser.
• All plans use CVS Caremark for their pharmacy program.
• Dental Insurance - Eligible, benefited employees and their dependents may participate in a comprehensive group dental plan with Delta Dental. The premium contributions are made on a pre-tax basis.
• Health Savings Account (HSA) - Benefited employees who are enrolled in the Consumer Choice HSA Plan are eligible to participate in the HSA. The HSA account is a pre-tax account that may be used for un-reimbursable, qualified medical expenses as defined by IRS Publication 502. These monies will carry forward if they are not used in the current year and are available when an employee terminates from the university. H.S.A Bank manages these accounts.
• Supplemental and Dependent Life Insurance - Additional supplemental life insurance coverage in the amounts of 1, 2, 3, 4, 5, 6, 7 or 8 times an employee's salary is available. Child Life Insurance is available in the amounts of $5,000.0, $10,000.00, and $15,000.00. Spouse Life Insurance is also available. If additional life insurance is not selected at the time of employment, additional insurance may be elected during the Open Enrollment period and the employee must submit an Evidence of Insurability form to Minnesota Life which must then be approved by Minnesota Life’s underwriting department before the coverage will be in effect.
• Short Term Disability (STD) Insurance - This insurance is available to protect the employee against loss of income during short periods of disability. There is a 15 day elimination period and the premium is based on the employee's salary. After the elimination period is met, the covered employee is eligible to receive 60% of his/her salary up to 90 days. If STD insurance is not selected at the time of employment, STD insurance may be elected during the Open Enrollment period and the employee must submit an Evidence of Insurability form to MetLife which must be approved by MetLife’s underwriting department before the coverage will be in effect.
• Long Term Disability (LTD) Insurance - This insurance is available to protect the employee against loss of income during long periods of disability. There is a 90 day elimination period and the premium is based on the employee's salary. After the elimination period is met, the covered employee is eligible to receive 60% of his/her salary before returning to his/her job or reaching age 65. Disability income from MetLife may be reduced by the amount of other benefits received. If LTD insurance is not selected at the time of employment, LTD insurance may be elected during the Open Enrollment period and the employee must submit an Evidence of Insurability form to MetLife which must then be approved by MetLife’s underwriting department before the coverage will be in effect.