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Benefits Overview

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A variety of Benefits are available to permanent employees of ECU who are employed at least 30 hours per week.

CONTENTS
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State Health Plan
NCFlex
Retirement
Supplemental Retirement
Disability
Workers Compensation
Leave
Additional Benefits/Pirate Perks
Tuition Waiver
Textbook Loan Program

STATE HEALTH PLAN SUMMARY
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The State Health Plan has created Preferred Provider Organization (PPO) alternatives for all State employees.  What is a PPO?  A PPO is an arrangement where providers are under contract to provide medical services at lower than usual fees in return for prompt payment and a certain volume of patients.  The available plans offer freedom of choice among in-network providers, lower out-of-pocket costs and a strong emphasis on preventive health.  There are two levels of PPO coverage available:  PPO Basic 70/30 and PPO Standard 80/20

ELIGIBILITY

All permanent full-time employees who work 30 or more hours per week are elibible for coverage.  Employees selecting the Standard plan will pay an additional monthly premium for employee only coverage.  Spouses and legally dependent children up to age 26 (if not eligible for their own or their spouse's employer sponsored health coverage or be in the military) are also eligible for coverage under both plans at group rates.  All permanent part-time employees who work 20-29 hours per week are eligible for coverage, but are not eligible for the University contribution and pay 100 percent of the cost of coverage. 

EFFECTIVE DATES
New employees must enroll within 30 days of their hire date to avoid having any pre-existing condition exclusions applied to their coverage.  Coverage may begin the first of the month following your hire/start date or the first of the second month following your hire date.  Employees select which month the coverage will begin.  For example, a new employee hired on September 15th may begin coverage on either October 1st or November 1st.  (Insurance premiums are deducted one month in advance of the coverage effective date.)  If employment terminates on the 1st through 15th of the month, coverage will end on the last day of the current month.  If employment ends between the 16th and last day of the month, coverage will end on the last day of the following month.

NCFLEX SUMMARY
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The NCFlex Benefits Program provides a variety of plans to meet the needs of you and your family.  You may enroll in any or all of the offered benefits.  All costs are withheld before taxes, leading to additional health savings.  Enrollment for all NCFlex programs is done online at www.ncflexonline.org.  Available benefits include the following:

FLEXIBLE SPENDING ACCOUNTS FOR HEALTH AND DEPENDENT DAY CARE
NCFlex is a State-wide flexible benefits program which allows employees to set aside pre-tax money for out-of-pocket expenses for health care (medical, dental, vision, etc.) or dependent day care (child or adult).  Participation in the health care Flexible Spending Account (FSA) can result in savings of 25% to 42% or more, depending on the employee's overall tax rate.  The annual minimum contribution is $120 ($10/month) and the maximum is $4,200 ($350.00/month) for the health care FSA and $5,000 ($416.66/month) for the dependent day care FSA.  Contributions to these accounts are shltered from Federal, State, and Social Security taxes. 

All permanent part-time (20-29 hours per week) and full-time (30 or more hours per week) employees can elect coverage.

For details on the Health Care Flexible Spending Account, refer to the NCFlex Benefits Highlights.  For details on the Dependent Day Care Flexible Spending Account, refer to the NCFlex Benefits Highlights

NCFlex Convenience Card
As an FSA participant, you may enroll in the NCFlex Convenience Card feature.  You can use the NCFlex Convenience Card to pay for eligible health care expenses (the convenience card CANNOT be used for dependent day care expenses.)  You conveniently pay your health care providers by directly charging the expenses on your card.  Payments you make using the NCFlex Convenience Card are funded by the money in your FSAs.

FLEXIBLE SPENDING ACCOUNTS FOR HEALTH CARE AND DEPENDENT DAY CARE

NCFLEX DENTAL BENEFITS

The NCFlex dental plan offers two open provider access plan levels designed to meet your needs.  Each option allows you to select a dentist of your choice.  The high option provides coverage for diagnostic and preventive services, as well as basic, major, and orthodontic services.  The low option only provides coverage for diagnostic and preventive, as well as basic services.  The low plan does not pay any benefits for major services or othodontic services.  Both are traditional plans that pay a percentage of the usual and customary charges.  United Concordia is the plan administrator for the State. 

All permanent part-time (20-29 hours per week) and full-time (30 or more hours per week) employees can elect coverage for themselves.  Employees pay full cost for employee coverage in addition to any dependent coverage selected.

For details on all dental plan options and benefits, refer to the NCFlex Benefits Highlights


NCFLEX DISCOUNT VISION CARE
Another benefit provided through NCFlex, this plan is administered by Superior Vision Services.  The Vision Care Plan offers the option of full coverage for vision services and materials from a network of more than 1,800 vision providers that includes ophthalmologists, optometrists, and optical companies.  Providers in the SVS network also include many optical chains and overnight service locations throughout the State. 

All permanent part-time (20-29 hours per week) and full-time (30 or more hours per week) employees can elect coverage for themselves.  Employees pay full cost for employee coverage in addition to any dependent coverage selected.

For details on all vision plan options and benefits, including in and out of network benefits, refer to the NCFlex Benefits Highlights


CANCER INSURANCE

Cancer Insurance is underwritten by American Heritage Life/Allstate Workplace Division, and helps pay for cancer-related expenses as well as expenses related to 29 other diseases.  Covered benefits may include reimbursement for lodging, transportation, home recover/hospice, and transplant costs.  The plan offers both a low and high option with different levels of benefits.  This plan is intended for use in conjunction with a comprehensive medical plan and/or a healthcare flexible spending account.  This plan is not a comprehensive medical insurance program. 

All permanent part-time (20-29 hours per week) and full-time (30 or more hours per week) employees can elect coverage for themselves, their spouse, and their unmarried dependent children up to age 22 (or up to age 26 if a full-time student).

For details on all cancer plan options and benefits, refer to the NCFlex Benefits Highlights

CRITICAL ILLNESS
Critical Illness insurance is administered by MetLife and compliments your existing medical coverage, but does not replace it.  The coverage pays a lump-sum payment when a covered person experiences a covered condition.  You may use the lump-sum payment as you see fit to help keep your finances on track if you experience a covered condition. 

All permanent part-time (20-29 hours per week) and full-time (30 or more hours per week) employees can elect coverage for themselves, their spouse, and their unmarried dependent children up to age 19 (or up to age 26 if a full-time student). 

GROUP TERM LIFE
Voluntary Group Term Life Insurance, administered by ING, pays a benefit to your beneficiary(ies) if you die while covered under the policy.  Coverage is available for employees only and can not be purchased for family members.  A minimum of $20,000 of coverage is available up to a maximum of $500,000 of coverage and coverage may not exceed five times your base annual earnings.

FLEXIBLE SPENDING ACCOUNTS FOR HEALTH CARE AND DEPENDENT DAY CARE










        

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210 East 1st St. Greenville, NC 27858
252.328.9847 | Contact Us
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