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Summary of Benefits: Full-time Salaried Employees & Faculty of the School of Law
The information listed below is a summary of the employee benefit plans offered to University of Maine System employees. This summary is not intended to replace Summary Plan Descriptions and insurance contracts that provide specific details about eligibility and benefits. They are meant to provide a broad overview.
Health Coverage:
The University of Maine System offers medical plans that cover a wide range of services, from hospitalization to doctor’s office visits, from prescription drugs to surgery. Whichever medical plan selected, employees can be sure that it is there to protect them from financially burdensome medical bills. All plans are insured with Cigna.
The health plans, 1) Standard or 2) Quality Incentive, to which you are eligible for are based on your collective bargaining status. Click on the plan name for more information about each set of health plans:
AFUM and ACSUM (COLT) unit members only
2. CIGNA OAP Quality Incentive Plans:
Non-Represented Employees and Police, Service & Maintenance, PATFA and UMPSA unit members Only
Dental Plan:
A dental plan through CIGNA Dental is available. The University pays 100% of Employee coverage. Employees pay 100% of the dependent premium.
Coverage Level
2012 Monthly Cost
Employee
2-Person
Family
Coverage Level |
2013 Monthly Cost |
|---|---|
Employee |
0.00 |
2-Person |
34.68 |
Family |
88.78 |
Vision Plan:
A vision plan through CIGNA is available. Employees pay 100% of the total monthly premium for individual and dependent coverage.
Coverage Level
Monthly Cost
Employee
2-Person
Family
Life Insurance:
Basic Life Insurance for Employee -Group term life insurance equal to the employee’s salary rounded up to nearest $1,000 is provided. The University pays the full premium for this coverage.
Supplemental (Optional) Life Insurance for Employee -Employees can purchase up to five times their annual salary. Evidence of Insurability is not required for amounts up to three times their annual salary (with a maximum of $300,000). Premium costs depend on the employee’s age and salary.
Employee Age
Monthly Cost
per $1000 of Coverage
Under 35
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70+
Spousal/Domestic Partner Life Insurance -
Protection in case of loss of spouse or domestic partner. Insurance is purchased in $10,000 increments up to a maximum of $50,000 (not to exceed 50% of the employee’s combined basic and optional insurance). Premium costs are dependent on the spouse/domestic partner’s age and the amount of insurance. No medical underwriting is required.
Spouse Age
Monthly Cost
per $1,000 coverage
Under 35
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70+
Child(ren) Life Insurance -
Choice of 2 coverage levels (per eligible child):
- option I - $5,000 or
- option II - $10,000
Monthly premium amounts are: $.275 (option I) and $.55 (option II) regardless of the number of children. No medical underwriting is required.
Coverage Amount
Monthly Cost
1. $5,000 per child
2. $10,000 per child
Accidental Death and Dismemberment (AD&D) Insurance:
In addition to providing life insurance, this benefit provides protection against life changing injury such as loss of limb, sight or paralysis.
Basic AD&D Insurance for Employees -Group AD&D Insurance equal to the employee’s salary rounded up to nearest $1,000. The University pays the full premium for this coverage.
Supplemental (Optional) AD&D Insurance -
Employees can purchase additional Optional AD&D Insurance in $10,000 increments up to $350,000, not to exceed 10 times their salary. Both individual and family coverage are available. Employees pay the full cost of this coverage.
Coverage Level |
Monthly Cost per $10,000 Coverage |
|---|---|
Employee Only |
.15 |
Family |
.26 |
Short Term Disability Insurance:
Benefits commence after an employee has been out of work for 14 days due to a non-work related illness or injury. The benefit payable is up to 60% of salary with a weekly maximum of $1,000 for a maximum of 26 weeks. Employees pay 100% of the insurance premium. A pre-existing condition clause applies.
Cost per $1,000 of coverage
(annual base salary)
Monthly Employee Cost
Long Term Disability Insurance:
Long-term disability benefits commence after an employee has been out of work for 26 weeks due to disability, illness or injury. The benefit payable is 60% of salary up to a monthly maximum of $13,000. The University of Maine System pays 100% of the insurance premium. A pre-existing condition clause applies.
Retirement Savings Plan:
The program is mandatory for employees age 30 and older (voluntary prior to age 30). The University contributes an amount equal to 10% of the employee’s base salary, and the employee contributes 4% of base salary. There is a five year vesting period for the University's retirement contributions.
Voluntary Tax-Sheltered Annuities:
The University of Maine System offers employees the opportunity to supplement basic pension benefits by tax deferring on a voluntary basis. Contributions may be made up to the maximum permitted by the Internal Revenue Code (Section 403(b) and 415) with either TIAA-CREF, ING, VALIC or Fidelity. Employees wishing to contribute to an alternate vendor must establish a contract with that vendor and complete a Salary Reduction Agreement:In addition, employees have the opportunity to use the University’s 457(b) deferred program on a voluntary basis. Contributions may be made up to the maximum permitted by the Internal Revenue Code (Section 457(b)) with any of the four current vendors.
Flexible Spending Accounts (FSA):
All employees who work at least half-time may choose to enroll in the Health Care and/or Dependent Day Care FSA Account. The FSA Accounts are designed to let participants pay for eligible expenses with before-tax dollars. Funds in the FSA Accounts are not subject to federal or state income or social security taxes.
Paid Leave:
Disability Leave –Professional employees on a fiscal year appointment earn 20 days per year with a maximum accumulation of 180 days. Professionals on academic year appointment earn 20 days per year with a maximum accumulation of 150 days.
Annual Leave -Professional employees on a fiscal year appointment earn 20 days per year (24 days after 15 years of service). Maximum carry forward from year to year is 40 days. Professionals on academic year appointments of less than 12 months earn prorated leave, and those who are not required to work during periods when the student population is absent do not earn leave.
Employee Assistance Programs (EAP)
An Employee Assistance Program through CIGNA Behaviorial Health is available to employees and their household family members of the UMA, UMF, UMFK, UMM, UMPI, USM, and SWS campuses. It is free and strictly confidential.
An Employee Assistance Program is available for UM employees and their household family members through the University of Maine’s EAP. The EAP is staffed by in-house licensed clinicians. It is free and strictly confidential.
Tuition Waiver:
Employee Tuition Waiver –A maximum of two tuition-free courses per semester or summer session, not to exceed a total of eight credit hours.
Dependent Tuition Waiver -The spouse, domestic partner, or dependent children of the employee are eligible for a 50% tuition waiver provided they are attending the University of Maine System as a full-time or part-time matriculated student.
Dependents of employees called to active military service are eligible for the dependent tuition waiver.
Contact UMS Employee Benefits Center
The above is a brief summary of major benefits offered by the University of Maine System. Detailed brochures/booklets are available online, at the local University Office of Human Resources, or at the System Office of Human Resources.
If you have a question about benefits enrollment, call toll-free 866-269-9635 (or 973-3373) or email benefits@maine.edu. Have your Employee ID number for faster service.
Last Updated: October 23, 2012