2012 Employee Benefit Highlights
The university’s group insurance benefits are intended to assist you with the financial impact of health care and catastrophic health conditions. The university shares the cost of most of these insurance premiums with you. The actual costs vary depending on the type and level of insurance you select. For costs associated with each of the plans, please refer to enrollment forms, available from Human Resources.
The university offers flexibility in choosing the plans that best address your needs. Many benefits begin the first day of the month following date of hire. Refer to the Employee Handbook January 2006 edition for more information about eligibility.
You may cover yourself and your eligible dependents. Your eligible dependents are:
- Your legal spouse,
- Your eligible children until they turn 26 for medical, dental and vision coverage. It does include your adult children married or unmarried . The child does not have to be a student and the children of the covered adult children will not be covered. If you have any questions concerning the eligibility of your dependents, contact Human Resources.
Health Plans
Health Plans provide you with financial protection against the high cost of treating a serious illness or medical condition. Prescription coverage is included under each of the health plans Kettering also provides coverage for preventive services, including annual physicals and well child care. Your options are:
- Blue Care Network—Healthy Blue Living HMO
- HealthPlus—HMO with Health Savings Account (HSA)
- HealthPlus— Healthy Solutions HMO
- Blue Cross Blue Shield—Community Blue PPO
- Opt-Out
For more information, refer to the 2012 Benefits Summary.
Dental Plans
Dental coverage helps with the cost of routine dental care and major services for you and your family. Your dental options are:
- Delta Dental
- Opt-Out
For more information, refer to the 2012 Benefits Summary .
Vision Plans
The University’s vision program is provided through the National Vision Administrators (NVA). Single coverage is provided to you by the University at no additional cost. Dependent coverage is also available.
For more information, refer to the 2012 Benefits Summary .
Life Insurance
Life insurance is provided at no cost to you by the university. In case of your death, your family or beneficiary may receive a benefit equal to two times your salary. Additional employee-paid life insurance may also be available for you and your eligible dependents.
For more information, refer to the 2012 Benefits Summary.
Accidental Death and Dismemberment (AD&D) Insurance
AD&D insurance is provided at no cost to you by the university. In case of your death or injury due to an accident, you or your beneficiary may receive a benefit of up to two times your salary. Additional AD&D insurance may also be available.
For more information, refer to the 2012 Benefits Summary.
Flexible Spending Accounts
Flexible Spending Accounts let you set aside money from your paycheck before federal, state or city income taxes or Social Security taxes are deducted. Reimbursement is tax-free, too. You pay no taxes on the money you contribute to and receive from either reimbursement account. You may set up a health care account, a dependent care account, or both.
For more information, refer to the 2012 Benefits Summary .
TIAA-CREF Retirement Benefits
The university will help you prepare for your financial future by contributing to a retirement account on your behalf and giving you opportunities to save for your retirement. Most of the university’s retirement benefits are administered by Teachers Insurance and Annuity Association and College Retirement Equities Fund (TIAA/CREF). This organization provides several investment options to select when participating in the Defined Contribution Retirement Plan or the Supplemental Tax-Deferred Annuity Plan.
For more information:
- TIAA-CREF/Kettering microsite
- Kettering University Retirement Plan Summary Plan Description
- Kettering University Supplemental Tax Deferred Annuity Plan Summary Plan Description
Pre-Paid Legal Services and Identity Theft Shield
Pre-Paid Legal Services coverage is fully funded by the employee and offers you assistance in IRS Audits, Preventive Legal Services (including legal document review, will preparation and updates), and Motor Vehicle Legal Service and up to 75 hours of Trial Defense Service with your first membership year.
Identity Theft Shield, offered through Pre-Paid Legal Services, is fully funded by the employee. Identify Theft Shield will provide continuous credit monitoring and identity restoration. For more information about either product, go to www.prepaidlegal.com.
Michigan Educational Savings Program (MESP)
The MESP (529-college savings plan) offered through the Michigan Department of Treasury, provides your family with a smart, flexible way to save for your children’s educational future. MESP offers a choice of investment options and tax advantages.
For more information, refer to the 2012 Benefits Summary.
Travel Accident Insurance
This program insures employees an additional two times annual salary payable to the named beneficiary if the employee should die while on company business. There is no cost to the employee for this coverage.
Holidays
The university observes several special occasions during the year as holidays. During a holiday, the university is closed for business. Full-time faculty and staff employees receive holiday time off with pay. The university is closed for holidays approximately 14 days per year. For more information, go to the Employee Handbook January 2006 edition.
Vacation & Personal Days
The university provides full-time staff employees with paid time off for rest, relaxation and personal business. The amount of time provided depends upon length of service. For more information, go to the Employee Handbook January 2006 edition.
Incidental Sick Days
To help you maintain a stable base pay during short periods of illness or to address incidental medical needs, the university may provide full-time employees with up to eight paid days off work. For more information, go to the Employee Handbook January 2006 edition.
Short-Term Disability
If faced with an extended illness or injury, full-time employees may be eligible for short-term disability benefits. If proper documentation is received and approved, the university will continue pay and benefits, which varies upon your employee status, up to a maximum of 180 days from the first day of absence. For more information, go to the Employee Handbook January 2006 edition.
Long-Term Disability
If you are unable to return to work from short-term disability leave within six months, full-time employees may be eligible for long-term disability benefits. If approved, this benefit would grant you additional leave time and provide partial income. If approved, long-term disability benefits will continue as long as you remain disabled from working and are within the insurance carrier’s limitations. For more information, go to the Employee Handbook January 2006 edition.
Other Time Off Work
The university may also provides employees with time off work to accommodate special needs related to bereavement, jury and witness duty, military leave and other personal matters. For more information, go to the Employee Handbook January 2006 edition.
Employee & Dependent Tuition Waiver
The university is pleased to assist full-time faculty and staff with a Kettering University education for you or your child or spouse. This benefit waives 100% of the tuition, less any federal or state financial aid grant awards, as a full-time or part-time student for any accredited undergraduate or graduate studies at Kettering University. For more information, go to the Employee Handbook January 2006 edition.
Employee Assistance Program
The Employee Assistance Program (EAP) is a CONFIDENTIAL resource to help you resolve personal concerns so you may be your best at work. An EAP counselor will assist you in clarifying the problem and identifying options to resolve it. They can help you with:
- adjustment to change;
- alcohol or drug dependencies;
- family issues (parenting, eldercare, etc.);
- marital or relationship problems;
- anxiety or depression;
- legal matters;
- anger management;
- grief or bereavement;
- financial issues; and
- other issues adversely affecting your life and job.
The EAP is a benefit prepaid by the university and is available to employees, their household members and dependents. Services are provided by an independent provider organization. All calls and counseling sessions are confidential (except as required by law when a person’s emotional condition is a threat to him or herself or to others). There is no cost to employees for calls or counseling sessions with the EAP provider (up to 5 sessions per incident). You may address an unlimited number of incidents, as needed.
You may use the EAP at any time, 24 hours a day, 7 days a week at: 1-888-333-6269 or www.ulliance.com/eap
Educational Assistance
The university encourages you to broaden your knowledge and develop your job-related skills. For this reason, the university provides financial assistance for you to participate in degree programs at other institutions of higher education. For more information, go to the Employee Handbook January 2006 edition.
Recreation Center Membership
To promote the benefits of a healthy life, you are provided with membership to the University’s Connie and Jim John Recreation Center. Membership may be extended to spouses, significant others and children for a modest fee. The 75,000 square foot facility includes:
- modern fitness and weight lifting equipment;
- racquetball, tennis, basketball, volleyball and squash courts;
- pool and spa;
- indoor track;
- group exercise room;
- locker rooms with showers and steam rooms;
- other indoor and outdoor amenities including a 23 acre park with softball; and
- soccer, flag football, and lacrosse fields, jogging/walking path, putting green and picnic pavilion.
If there are any discrepancies between this and the actual plan document, the plan documents will prevail.
