Employee Benefits Summary

April 2008

Fresno Pacific University has established a basic benefits package which provides the advantages of group insurance and retirement programs for the financial security and protection of all university personnel. In addition, individual provisions can be made through university offerings, and each individual is encouraged to consider specific and individual needs and to take action as appropriate.

I. INSURANCE

  1. Health Insurance:
    The university offers its own partially self-funded plan called Fresno Pacific Health administered by Combined Benefits Administrators in Fresno. Through the Interplan provider list there is $15 co-payment for service from an Interplan provider physician and specialists/ $1,000 deductible for non-provider services. The plan also includes prescription drug benefits with a mail order plan for maintenance prescriptions.

    Cost. The university pays a percentage of the total cost of the health insurance premium. The current monthly employee contributions are as follows:
    • Single - $100.00
    • Couple - $195.00
    • Family - $250.00

    Coverage begins on the first of the month 30 days after date of employment with six months to one year waiting periods for some pre-existing conditions. The university conforms to all Federal provisions regulating health insurance availability, including the COBRA act of 1986 and the HIPPA act. Details are available from the Human Resources Department.

    The university Health Center is available at no cost to employees for health service evaluation and referral.

  2. Life Insurance and Long Term Disability
    The university provides to all regular employees a term life policy at 1 times the employee’s annual salary. Coverage begins thirty days after beginning of employment, and end at termination or retirement. The university pays the premium for the life insurance plan. Along with this the university provides a Long Term Disability plan at 70% of monthly gross pay. Both plans are insured and administered by UNUM. Due to tax implications, employees pay the premium for the LTD plan.

    3. Emergency travel assistance is included with our group life and income protection insurance. This plan is designed to assist you in the event of a medical emergency while traveling. Information is available in the Human Resources Office.

  3. Dental Insurance
    Delta Dental provides dental benefits for FPU employees. Employees can select a Delta provider option (DPO) or an HMO. The university pays the premium for employee coverage. Costs to cover dependents are:
    4.   DPO HMO
    1 dependent $26.49 $15.77
    2 or more dependents $57.50 $33.23

II. RETIREMENT

  1. TIAA/CREF: The university provides a basic voluntary contributory retirement program with immediate vesting through Teachers Investment & Annuity Association/University Retirement Equities.

    2. Contributions: Currently the university contributes 6% above base salary toward retirement. A minimum of 4% must be contributed out of the employee’s salary. Employee contribution may be made before taxes. Vesting is immediate, and a buy back option is available within the first 5 years of employment if the individual should leave the university. All Faculty and Administrative employees are eligible for retirement benefits upon the date of employment. Staff employees are eligible after two years. Participation is mandatory for employees who are age 35 and meet eligibility requirements. The university conforms to all Federal provisions regulating retirement availability, including the anti-discrimination acts of 1986. The university may be forced to shift contributions to comply with recent Federal legislation.

  2. Other Options
    Supplemental Retirement Annuities are available through TIAA/CREF. Other IRA and TSA investment opportunities are distributed as a service regularly by the university. You are advised to consult a professional counselor before any investment, and the university takes no responsibility for investment in Tax Sheltered Annuities or individual retirement plans. Opportunities are distributed simply as a service without discrimination regarding firms and services. Information is available in the Human Resources Office.

III. FLEXIBLE SPENDING ACCOUNT
Flexible Spending accounts allow you to direct a part of your pay, on a pre-tax basis, into a special account that can be used through the year to reimburse yourself for certain out-of-pocket medical and dependent care expenses. An employee is eligible to enroll in the plan 30 days after the date of employment. Once a benefit amount has been selected it cannot be changed until the following plan year (January 1) unless there is a change in family status. There is a minimal cost to participate in the plan. The plan is administered by CKS Employee Benefits Systems.

IV. EMPLOYEE ASSISTANCE PROGRAM
The university offers, at no cost to employees, a confidential counseling plan for employees and dependents. The program is administered by Insight. To contact Insight call 559-226-7437. Each employee is eligible for 3 clinically approved visits per individual family member every six months.

V. OTHER INSURANCE OPTIONS
The university has agreements with third party carriers to assist employees with other insurance needs. The university does not make premium contributions to these plans, but we have entered into agreements with these companies to allow our employees to take advantage of discounted rates.

  1. Long Term Care Insurance: Fresno Pacific has a sponsored group plan with John Hancock Insurance for your long term care insurance needs. Please contact the Human Resources office for information.
  2. Catastrophic Medical Reimbursement Plan: CMRP is a low cost plan designed to assist with out of pocket expenses related to cancer and other major illnesses. Information is available in the Human Resources Office.

VI. OTHER

  1. The university participates in state and federally mandated benefits: Social Security (FICA), state disability insurance, worker’s comp., unemployment insurance.
  2. Other benefits--vacation, holidays, sick leave, tuition waivers, moving allowance--are listed in appropriate handbooks.

    VII. TUITION REMISSION
    Tuition remission benefits are available for employees, their spouses and dependent children.