Human Resources: Benefits

BENEFITS

WHO PAYS

WHEN ELIGIBLE

Medical

BGSU and you

First of month after employment, provided on-line enrollment elections are completed within 31 days of hire and all required documentation submitted within 31 days of hire

* There are two plans to choose from for medical benefits. Both plans are provided under a Managed Care Plan referred to as a Preferred Provider Plan (PPO). These plans provide benefits under a Preferred Provider Network of physicians and hospitals. A summary of these plans is available at the The Office of Human Resources/Benefits department office or via our web page. BGSU has a working spousal rule which is, if the employee's spouse works full time, the spouse's employer offers medical coverage and the spouse's employer pays for at least 70% of the cost of health care, the spouse of the BGSU employee must pick up single coverage with his/her employer for primary coverage and the BGSU plan will be secondary if the BGSU employee elects to cover his/her spouse.

Life Insurance and Accidental Death/Dismemberment

BGSU

Upon employment, effective first day of month following date of hire

Effective January 1, 2007, a life insurance policy of $50,000.

Dependent Life Insurance

You

First of month after employment, provided on-line enrollment elections are completed within 31 days of hire and all required documentation submitted within 31 days of hire

* $10,000 for spouse; $5,000 for each child 6 months to age 21; and $500 for each child 15 days to 6 months.

Dental

BGSU and you

First of month after employment, provided on-line enrollment elections are completed within 31 days of hire and all required documentation submitted within 31 days of hire

* Plan pays based on usual, customary and reasonable rates at 100% for preventative and diagnostic services; 80 percent (after $50 calendar year deductible) for basic maintenance and restorative, endodontic and periodontal services; 50 percent (after deductible) for prosthodontic services. Maximum benefit of $1,500 per person per calendar year. Orthodontic benefits available for dependent children up to age 19; lifetime maximum benefit payable of $1000. BGSU has a working spousal rule which is, if the employee's spouse works full time, the spouse's employer offers dental coverage and the spouse's employer pays for at least 70% of the cost of dental coverage, the spouse of the BGSU employee must pick up single coverage with his/her employer for primary coverage and the BGSU plan will be secondary if the BGSU employee elects to cover his/her spouse.

Prescription Drug Plan

BGSU and you

First of month after employment, provided on-line enrollment elections are completed within 31 days of hire and all required documentation submitted within 31 days of hire

Effective January 1, 2011, prescription drug benefits are provided by Express-Scripts, which has network pharmacies. When using network pharmacy, the Plan pays 80 percent if the brand name is on the primary drug list and pays 60 percent if the brand name drug is not on the primary drug list (primary drug list can change on a quarterly basis -- See Express Scripts web site). The classified staff member will pay $6.00 for each prescription that is filled with a generic at the retail pharmacy and will pay $12.00 for the generic if the prescription is filled through the Home Delivery Program. The prescription drug card program allows you to purchase up to a 30-day supply at the retail pharmacy and up to a 90-day supply through the Home Delivery Program. Effective January 1, 2002, there is a cap on the amount the classified staff member will pay per script per fill at the retail or through the Home Delivery Program. The cap is $100 per script per 30-day fill at the retail pharmacy for Brand Name Drugs on the Primary Drug List and $300 per script per 90-day fill through the Home Delivery Program. The cap is $125 per script per 30-day fill at the retail pharmacy for Brand Name Drugs not on the Primary Drug List and $375 per script per 90-day fill through the Home Delivery Program. Home Delivery Program forms may be obtained from the Express Scripts web site.

 Voluntary vision coverage was first offered January 1, 2010 and is administered by Vision Service Plan (VSP). Enrollment into this plan is for two years and it is paid for "after tax." A summary of this plan is available at the Office of Human Resources or via our web site.

Retirement

BGSU and You

  NOTE: University will pick up required employee contribution and send this amount directly to Ohio Public Employees Retirement System (OPERS), thereby reducing the taxable gross salary. The amount is deemed to be deferred income for federal and state income tax purposes and is not taxed until ultimately received as part of OPERS pension benefits or as an optional refund at termination of employment in Ohio.

NOTE: University employees do not make Social Security retirement contributions; however, individuals hired after April 1, 1986, do pay 1.45 percent of gross salary for Medicare coverage.

Retirement
Ohio Public Employees Retirement System (OPERS)

As a new member to OPERS on or after January 1, 2003, and if OPERS is your retirement option, you will choose one of three plan options. For members in OPERS with 5 years or more of service as of January 1, 2003, you remain in the one option called Traditional Pension Plan. For more details please visit OPERS web site.

1. Traditional Pension Plan - A defined benefit plan under which retirement benefit is based on a formula determined by years of contributions, the average of the three (3) highest years of earnable salary (or final average salary) and age at retirement. The option features survivor and disability protection and other benefits. Member eligible for retirement upon completion of

• 30 years at any age
• 25 years at age 55
• 5 years at age 60

Member must have at least 18 months of contributing service to qualify for survivor benefit, 5 years of service credit to be eligible for disability retirement.

Employee contribution to OPERS - 10% of earnings

BGSU contribution to OPERS - 14% of earnings*

2. Member-Direct Plan - A defined contribution plan under which member directs the investment of both member and employer contributions, choosing from nine (9) professionally managed OPERS investment options. Vested immediately for employee and employer contributions.

Retirement, disability and survivor benefits based on performance of the investment options selected. Access to individual Retiree Medical Account (RMA) to pay for qualified health care expenses.

Employee contribution to OPERS - 10% of earnings

BGSU contribution to OPERS - 14% of earnings* 

3. Combined Plan - A combined defined and defined contribution plan. OPERS invests employer contributions to fund a retirement benefit based on formula of years of service credit, age and final average salary.

Member eligible for retirement upon completion of

• 30 years at any age
• 25 years at age 55
• 5 years at age 60

Under defined benefit portion, member eligible for survivor protection with at least 18 months of contributing service and 5 or more years of service credit to be eligible for disability retirement.

Under the defined contribution portion of this plan, the member directs investment of member contributions into professionally managed OPERS investment options. Additional retirement benefit provided (in addition to defined benefit) based on performance of investment made by member.

Employee contribution to OPERS - 10% of earnings

BGSU contribution to OPERS - 14% of earnings*

* Contribution rate is determined by the OPERS Board and is subject to change.

Retirement Service Credit - only if you elect OPERS Traditional Pension or Combined Plan Options.

OPERS members may be able to purchase Ohio valued credit for full-time service, such as out-of-state teaching, public service, federal employment, military service credit and other Ohio credit subject to law. NOTE : Credit may not be purchased if the service is also to be used in the calculation of a benefit to be paid in another retirement program, such as TIAA-CREF. A benefit from Social Security based on other employment is allowed.

Retirement Service Credit

You

* OPERS members may be able to purchase Ohio valued credit for such items as out-of-state public service, federal employment, military service credit, and other Ohio credit subject to law. Note: Credit may not be purchased if the service is to be used in the calculation of a benefit to be paid in another retirement program.

The Alternative Retirement Program (ARP) is a defined contribution plan which allows for immediate vesting of both employer and employee contributions.  The Alternative Retirement Program allows you to select one carrier from 7 approved ARP vendors.  Investment of money is controlled by the employee.  The new classified staff member can elect this defined contribution retirement plan in lieu of participating in OPERS.  Election must be made within 120 days from the effective date of hire.

Employee Contribution to ARP - 10% of salary

University Contribution to ARP - 14% of salary and is subject to change.

Vacation

BGSU

Upon completion of initial probationary period.

Classified staff accrue annual vacation and use accrued vacation. The rate of accrual is determined by years of service. Refer to the on line classified handbook for details regarding accrual of vacation time.

Travel Accident Insurance

BGSU

Upon employment

$50,000 accidental death when traveling on University business. Dismemberment benefits range from $12,000 to $50,000.

Tax Deferred Annuity Program

You

Upon employment

* An additional portion of one's salary may be deferred through purchase of annuities and other investment products offered by participating contractors subject to pertinent Internal Revenue Service rules. (This additional portion is optional.)

Sick Leave

BGSU

Upon employment

Sick leave accrues at the rate of 4.6 hours per 80-hour pay period. At retirement (with at least 10 years of State service), 1/4 of accrued sick leave may be paid in cash (maximum -30 working days/240 hours). Based on the classified staff members accrual of sick time at the end of the calendar year, up to 24 hours of personal leave will be given and is prorated based on the accrual of sick leave.

Family and Medical Leave Act (FMLA)

You

After working for one (1) year and worked 1,250 hours over the previous 12 months.

Employees may find it necessary to take leave from their jobs for a temporary period to address certain family responsibilities or their own serious health conditions. BGSU complies with the Family and Medical Leave Act (FMLA) of 1993. This FML leave runs concurrently with existing leave policies. Under the FMLA guidelines, the University will grant an eligible employee up to 12 weeks unpaid leave during a 12-month period if the request meets the criteria under the FMLA and with appropriate documentation (you can use accrued sick time or vacation time depending on the type of FMLA leave). Information packets are available in The Office of Human Resources

Parking

You

Upon employment

Parking in campus parking lots requires registering your vehicle and purchasing a parking permit. Please refer to the Parking Permit Types and Prices located at http://www.bgsu.edu/offices/parking/page96901.html

Military Leave

BGSU

Upon employment

BGSU provides military leave and benefits in accordance with the state and federal laws, including the Uniformed Services Employment and Reemployment Rights Act (USERRA).

BGSU

Upon employment

Employees will be granted leaves of absence with pay for up to twenty-two (22) days not to exceed 176 hours per calendar year upon request when they are required to participate in training duty as members of an Armed Forces Reserve Organization, the National Guard, or are called out on an emergency basis for such service.

Jury Duty

BGSU

Upon employment

Full pay; compensation for jury duty to be deposited at the Bursar's Office, unless jury duty occurs outside normal working hours or during vacation.

Staff Fee Waiver Policy

BGSU

Staff Fee Waiver Policy

Dependent Fee Waiver Policy for Full-Time Staff

BGSU

Dependent Fee Waiver Policy for Full-Time Staff

Travel Reimbursement

BGSU

Upon employment

Covers authorized travel, lodging and meals while on University business.

Discounts

BGSU

Upon employment

Available to full-time employees for purchases at the Bookstore, Ice Arena Skate Shop, and for athletic tickets.

Banking Services

Upon employment

Automatic deposit of paychecks to a bank, savings and loan, or other federally-insured financial institution is mandatory.

Credit Union

You

Upon request

Payroll deductions available for Glass City Federal Credit Union, Inc. (a non-University agency).

Worker's Compensation

BGSU

Upon employment

State compensation and medical plan for work-related illness or injury.

Unemployment Compensation

BGSU

In accordance with Ohio law

Compensation for periods of unemployment as determined by Ohio law.

Holidays

BGSU

Upon employment

Staff members are entitled to 10 paid holidays annually. These include New Year's day, Martin Luther King day, President's Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans' Day, Thanksgiving Day and Christmas Day. As provided by state law, BGSU permits President's Day and Columbus Day to be celebrated on other dates convenient to the academic schedule.

Family and Medical Leave Act (FMLA)

You

After working one (1) year and worked 1,250 hours over the previous 12 months.

Employees may find it necessary to take leave from their jobs for a temporary period to address certain family responsibilities or their own serious health conditions. BGSU complies with the Family and Medical Leave Act (FMLA) of 1993. This FML leave runs concurrently with existing leave policies. Under the FMLA guidelines, the University will grant an eligible employee up to 12 weeks unpaid leave during a 12-month period if the request meets the criteria under the FMLA and with appropriate documentation (you can use accrued sick time or vacation time depending on the type of FMLA leave). Information packets are available in The Office of Human Resources.