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2024 Benefits at a Glance

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Insurance Benefits


Financial Retirement Plans (All Pre-tax Plans)


Additional Benefits


Work/Life Benefits


Scholarships & Tuition Benefits


Contact Information

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INSURANCE BENEFITS

Health, Dental, Vision Plans: (Health is effective date of hire; Dental & Vision is effective first of the month following 30 days) Eligibility: Employees working 20+ hours per week

Medical & Rx Insurance, Telemedicine Services – BCBS of MS State Employees' Health Insurance

What does this benefit cover?

• The State Employees’ Insurance Plans offer your choice of two plan options:

1. Base Plan (HSA eligible)
   • $1,800 individual/$3,200 family deductible and 80%/20% coinsurance (in-network) after deductible is met (20% waived at UMMC providers); RX - After calendar year deductible is met: $12 generic, $45 preferred, $100 non- preferred, $100 specialty drug and $75 individual deductible for certain preventive medication.
2. Select Plan (Not HSA eligible)
   • $1,800 individual/$3,600 family deductible (in-network) and 80%/20% coinsurance (in-network) after deductible is met (20% waived at UMMC providers) $25 PCP Office Visit Copay; RX - $75 prescription drug deductible then $12 generic, $45 preferred, $100 non-preferred, $100 specialty drug.

• Telemedicine Services
  • $10 visit not subject to annual deductible on Select Plan. $49 visit until annual deductible is met then $10 on Base Plan.

What is my cost to participate in this plan?

• Legacy - Initially hired before 1/1/2006
• Horizon - Initially hired on or after 1/1/2006

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Wellness/Preventive Coverage (Base or Select)

• Covered at 100% at a network provider and is not subject to annual deductible. Coverage is based on age and gender. You can find what is covered at www.knowyourbenefits.dfa.ms.gov.

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Dental Benefits – Unum

What does this benefit cover?

• Preventive cleanings covered up to 100%. Calendar Year Maximums:
  Low Plan - $1,000, Network & Choice Plans - $1,200. Lifetime Orthodontic Maximum: $1,000 Network & Choice Plans.
• Network Plan requires participants to utilize a network provider.

What is my cost to participate in this plan?

Dental Rates (Monthly - Pre-tax):

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Vision Benefits – Unum

What does this benefit cover?

• Annual eye exam covered by $10 copay. $25 lenses material (various lenses options available), frames every 24 months up to $150 retail allowance. Contact lenses every 12 months up to $150 retail allowance.

What is my cost to participate in this plan?

Vision Rates (Monthly - Pre-tax):

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Life and Disability Plans: (State Life is effective date of hire; all others 30 days following DOH) Eligibility: Employees working 20+ hours per week

State Group Term Life and AD&D Insurance – Minnesota Life Insurance Company

What does this benefit cover?

• Basic Term Life Benefit up to 2x annual base salary (rounded to the highest $1,000). An equal benefit amount of AD&D is included. $30,000 minimum; $100,000 maximum.

What is my cost to participate in this plan?

• UMMC pays half of the premium. The Employee's portion of the premium is $.05 per $1,000 in coverage.

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Supplemental Term Life and AD&D Insurance – Unum

What does this benefit cover?

• Employee - 1-6x annual base salary (rounded to the highest $1,000), up to a maximum of $600,000. Guarantee Issue of $200,000. Add’l coverage greater than $200, 000 is subject to medical underwriting.
• Spouse - $25,000, $50,000, $75,000, or $100,000, not to exceed 50% of employee coverage. Guarantee issue of $25,000. Must have Employee coverage to elect Spouse coverage.
• Child(ren) - $5,000 from birth to 6 months; $10,000 from 6 months to age 26. Guarantee Issue of $10,000. Must have Employee coverage to elect Child(ren) coverage.

What is my cost to participate in this plan?

• Employee - Age Banded Rates in multiples of salary
• Spouse - Age Banded Rates, based on the Employee's age
• Child(ren) - The cost for child(ren) is the same regardless of the number of covered children.

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Long-Term Disability Insurance – Unum

What does this benefit cover?

• Income replacement at 30% or 60% of your salary up to $6,000/month. Begins after 90th date of illness or injury and is payable until no longer disabled or up to age 65.

What is my cost to participate in this plan?

• The cost of coverage is based on your salary. Your premium will change as you have a change in salary.

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Individual Short-Term Disability Insurance – Unum

What does this benefit cover?

• Income replacement at 60% of your salary up to $5,000/month. Begins after 14th date of disability and is payable for up to 3 months. Coverage available up to age 72.

What is my cost to participate in this plan?

• Rates based on Employee's age at the time the policy is issued; Rates are guaranteed as long as premiums are paid.

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Whole Life Insurance – Unum

What does this benefit cover?

• Pays death benefits to beneficiaries while building cash value to use while living. Can purchase coverage for spouse without purchasing employee coverage. Child coverage available.

What is my cost to participate in this plan?

• The level of premiums is guaranteed and will not increase due to age.

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Flexible Spending Accounts (Effective date of hire) Eligibility: Employees working 20+ hours per week

Flexible Spending Account (FSA) - Medical – SABC

• Participants can set aside funds through payroll for pre-tax payments of eligible healthcare expenditures, including prescription drugs, dental, hearing, or vision expenses. Contribute any amount up to $3,200 per year. Eligible expenses may be incurred through March 15th of the following year and filed for reimbursement by April 15th or funds will be forfeited. Re-enrollment is required each year.

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Flexible Spending Account (FSA) - Dependent Care – SABC

• Participants can set aside funds through payroll for pre-tax payments of Dependent Care expenses. Contribute any amount up to $5,000 per year if married filing jointly or single and head of household; $2,500 if married filing separate returns. Unused dollars cannot be rolled over and will be forfeited by the end of the calendar year. Re-enrollment is required each year.

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Other Insurance Plans Available: (Effective first of the month following the approval of the carrier) Eligibility: Employees working 20+ hours per week

Accident Insurance – Aflac

What does this benefit cover?

• Helps offset medical or out-of-pocket expenses that may add up after a covered off-the-job accident, such as emergency treatment, hospital stays, medical exams, broken bones, burns, torn ligaments, transportation, and lodging. Cash benefits are paid directly to you.

What is my cost to participate in this plan?

Accident Rates (Monthly - Pretax):

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Critical Illness Insurance – Aflac

What does this benefit cover?

• Pays a lump sum benefit amount of $15,000 or $30,000 for Employee and $7,500 or $15,000 for Spouse upon diagnosis of a covered critical illness, such as cancer, heart attack, or stroke. Cash benefits are paid directly to you.

What is my cost to participate in this plan?

• Rates vary depending on age and coverage amounts.

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Hospital Indemnity Insurance – Aflac

What does this benefit cover?

• Helps offset medical or out-of-pocket expenses that may add up after a covered accident or illness. Lump sum payment for initial confinement, daily confinement, surgical, anesthesiology, and prescriptions. Cash benefits are paid directly to you. Low and High options available. Employees that are actively contributing to an HSA plan are not eligible to participate in the Hospital indemnity plan.

What is my cost to participate in this plan?

Hospital Indemnity Rates (Monthly):

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FINANCIAL RETIREMENT PLANS (All Pre-tax Plans)

State of MS Public Employees Retirement Plan (PERS)

• Eligibility: Employees working 20+ hours per week. Effective date of hire. Retirement - Age 60 with 4 years of vested service for employees becoming members of PERS prior to 7/1/07 and 8 years vested service for employees becoming members of PERS on or after 7/1/07 or 25 years vested service at any age. Employees hired on or after 7/1/11 must have 30 years of service or service age. UMMC pays 17.90% of earned compensation; Employee pays 9% of earned compensation. The current IRS Maximum annual compensation limit is $330,000. PERS has an estimate calculator and other information on their website at www.pers.ms.gov.

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State of MS Optional Retirement Plan (ORP)

• Eligibility: Available to Employees working 20+ hours per week in category of faculty, eligible administrators, and House Officers. Effective date of hire. Control over investments. 100% vested. UMMC pays 15.246% of earned compensation; Employee pays 9% of earned compensation. The current IRS Maximum combined Employee and Employer annual contribution is $61,000.

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403(b) Plan – Tax-Sheltered Annuity

• Eligibility: Available to all Employees. Supplemental retirement income. Control over investments. Pre-tax deduction annual limits. Employees can elect to participate and make changes any time of the year. The IRS maximum calendar year contribution is $22,500. The plan allows for two "catch-up" provisions: 15 years of service catch-up contribution of $3,000 and 50+ catch-up allows employees who are 50 years old or older to make an additional contribution of $7,500 to the normal limit. Maximum annual deferral amount from $22,500 - $30,000.

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457 Plan – Deferred Compensation Plan

• Eligibility: Available to all Employees. Supplemental retirement income. Control over investments. Pre-tax deduction annual limits. Employees can elect to participate and make changes any time of the year. The IRS maximum calendar year contribution is $22,500. The annual limit can be increased using one of two “catch-up” provisions: Retirement Catch-up – if an employee is within 3 years of normal retirement age, the maximum annual limit is doubled and creates a limit of $45,000 or 50+ Catch-up provision allows employees who are 50 years old or older to make an additional contribution of $7,500 to the normal limit for a total of $30,000. Maximum annual deferral amount from $22,500 - $45,000.

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ADDITIONAL BENEFITS

Eligibility: All Additional Benefits are effective Date of Hire

Cafeteria Discounts

• Available to all Employees. 20% discount on food and beverages. Visa, MasterCard, and payroll deductions are accepted at the University cafeteria, Wiser cafeteria and Student Union cafeteria.

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Credit Union

• Available to all Employees. Favorable interest rates and insured accounts for savings and borrowing.

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College Savings Plans (MPACT/MACS)

• Available to all Employees. Payroll deductions available for Mississippi college savings.

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WORK/LIFE BENEFITS

Employee Assistance Program (EAP)

• Available to all Employees and their household members. Free, confidential employee assistance available 24/7 for short-term counseling and work-life services for personal and family matters.

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Holidays

• Available to Full-Time Employees. UMMC recognizes 10 paid holidays per calendar year.

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Paid Personal Leave

What does this benefit cover?

• Provided for vacation and/or personal business and should be scheduled within the department. Eligible employees earn personal leave credit for each month of service. Employees who work less than a full work week (40 hours), but more than 20 hours per week, will be allowed personal leave credit on a pro rata basis. Personal leave will be credited to the employee’s leave record after the completion of each month’s service and is available for use in the following month.

What is my cost to participate in this plan?

• There is no maximum limit to the accumulation of personal leave. Upon termination, Employees are paid for not more than 30 days (240 hours) of personal leave. Unused personal leave in excess of 30 days (240 hours) will be applied as service credit for retirement purposes if participating in PERS.

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Paid Major Medical Leave

What does this benefit cover?

• Full-time employees, and part-time employees working 20+ hours per week, are eligible for major medical leave. Employees earn major medical leave credit for each month of service. Employees who work less than a full work week (40 hours), but more than 20 hours per week, will be allowed major medical leave credit on a pro rata basis. Major Medical Leave may be used for the illness or injury of an employee or member of the employee's immediate family.

What is my cost to participate in this plan?

• There is no maximum limit to the accumulation of major medical leave. Upon termination, unused leave will be applied as service credit for retirement purposes if participating in PERS.

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Family Medical Leave

• Available to Employees employed at least 12 months with at least 1,250 hours worked in prior year. Up to 12 weeks leave for your illness, birth or adoption of a child, or illness of an immediate family member. *Major medical leave and personal leave must be used, then leave without pay.

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Donated Leave

• Available to Full-time and Part-time Employees employed at least 12 months with at least 1,250 hours worked by the date on which the leave is donated. Applies to “Catastrophic and Life-Threatening Injury or Illness”. Up to 90 days (720 hours) lifetime maximum for you or an immediate family member. Major medical leave and personal leave must be completely exhausted prior to receiving leave donations.

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Donor Leave

• Available to Full-time and Part-time Employees employed at least 6 months with the prior approval of the department head. Employees who donate an organ, bone marrow, blood or blood platelets may request donor leave to facilitate their donation.

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Jury Duty Leave

• Available to all Employees. Leave with pay to be a witness, juror, or litigant.

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Military Leave

• Available to Employees in National Guard or other Armed Services Reserve Unit. Up to 15 paid working days leave for active duty or annual training.

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Everyday Wellness

• Available to all Employees. Employee Wellness Program that promotes awareness and education, provides motivation for positive behavior changes, and influences campus practices and policy to support a healthy environment.

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Quick Care Clinic

• Available to UMMC Employees and their families. Within 24 hours' notice for an appointment, Monday – Friday, 8 a.m. – 5 p.m., located at University Physicians Lakeland Medical and University Physicians Grant Ferry. Services include urgent care, screening and management visits for high blood pressure, diabetes, and high cholesterol, wellness visits, school and sports physicals, minor lacerations, sprains and strains, coordination of sub-specialty care and referral as appropriate.

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UMMC 2 You

• Available to employee and dependents covered on BCBS of MS State and School Employees’ Health Insurance Plan. UMMC Telehealth services lets nurse practitioners examine and treat patients remotely, in real time, using online streaming video technology and interactive tools. Treat conditions such as allergies, asthma, bronchitis, cellulitis, cold & flu, constipation, diarrhea, ear infection, fever, gout, headache, infections, insect bites, joint aches & pains, poison ivy, rashes, skin inflammation, sore throat, and urinary tract infection. Can prescribe recommended medications if needed.

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SCHOLARSHIPS & TUITION BENEFITS

Scholarship for Children of Employees for Graduate and Professional Students

What does this benefit cover?

• Available to children of Full-Time Employees of UMMC, The University of Mississippi Main Campus (Oxford), and The University of Mississippi Satellite Centers (Tupelo & Desoto) employed for at least 12 consecutive months preceding each semester or term for which the scholarship is provided. Children of UMMC retirees who were employed full-time by UMMC for at least ten years, without a break in service, with a hire date prior to January 1, 2018. Children of employees who die while in service are also eligible if at the time of death 1) the child is enrolled or 2) the child has been accepted for admission.

What is my cost to participate in this plan?

• A tuition scholarship will cover 50% of the total tuition per semester or term for each parent employed full-time for at least 12 consecutive months preceding each semester or term for which the scholarship is provided.

Students must apply for this scholarship prior to each semester or term. Student recipients must maintain good academic standing within their school.

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Dependent Tuition Waivers for Undergraduate Students

What does this benefit cover?

• Available to dependent children of Full-Time faculty and staff of the universities and full-time employees of the IHL Executive Office.

What is my cost to participate in this plan?

• Employed prior to 7/1/1977 – Dependent children of continuing employees are eligible for full waiver of undergraduate tuition at the appropriate institutions.
• Employed after 7/1/1977 – Dependent children of continuing employees are eligible for 50 percent (50%) of the total tuition. If both parents or legal guardians are eligible employees, 100 percent (100%) of tuition is waived.

A single, dependent child may receive an undergraduate tuition benefit (consistent with the continued employment of the parent or guardian) which may be continued until the degree requirements for one baccalaureate degree are met or until age 25, whichever comes first.

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Ole Miss Employee Tuition Benefit

• Available to Full-time Employees. Employee must be employed prior to registration and have approval of the department head. Tuition will be waived for two courses.

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UMMC Workforce Development Scholarship

What does this benefit cover?

• Available to Full-Time Employees. Applicant must be a full- time employee for one year prior to application and have recommendation and approval from immediate supervisor. Must be approved by HR and not on progressive discipline program. Employee must be accepted and enrolled in one of the approved UMMC programs of study.

What is my cost to participate in this plan?

• The Workforce Development Scholarship covers up to 6 hours of tuition per semester. Employee must agree to a service commitment of 6 months for each semester of benefit received.

If the employee resigns prior to completing the service requirement, repayment of the tuition plus interest is required.

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CONTACT INFORMATION

Human Resources

• www.umc.edu/Benefits
• HRBenefits@umc.edu

This document is for general information only and not a contract. For more information, please refer to the specific Summary Plan Description at www.umc.edu/Benefits and the UMMC Faculty and Staff Handbook. Also, you can send an email to the HR Benefits Office at HRBenefits@umc.edu.

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This benefits enrollment guide is designed to provide you with an overview of the benefits available through UMMC. Summary Plan Documents will provide the details of the features, benefits, limitations and exclusions for all the available plans. The actual benefits and benefit descriptions are governed solely by the relevant plan documents and contracts. If there are any discrepancies between this document and the plan document, the plan document will prevail. UMMC retains the right to amend, change or modify benefits at any time.

The content above is based on a document prepared exclusively for UMMC by:

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