Benefits

Monday - Friday
8:00 a.m. - 5:00 p.m.

The Office of Human Resources
Room.110 Armstrong-Slater Building
Hampton University
Hampton, Va. 23668

757.727.5250
757.727.5954 (24hr.)

757.727.5969

Company Benefit Type Plan Name
Anthem Health
Dental
Key Care
Healthkeepers
Voluntary Dental Plan
EyeMed Vision Care EyeMed Vision Care
Anthem Life Insurance Group Life N/A
UNUM Lifestyle Protection Long Term Disability
Short Term Disability Life and AD & D
TIAA-CREF Retirement Planning N/A
Lincoln National Life Retirement Planning - Annuity Voluntary 403(b)
Allstate Voluntary Life Products Critical Illness
Accident
Universal Life Insurance

The Patient Protection and Affordable Care Act (PPACA, also known as Healthcare Reform) is a set of laws that affect healthcare coverage in the United States. While there is a lot of information on this topic in the media, some of it may seem confusing or conflicting. To help you navigate the road ahead, we have highlighted the key items you need to know.

View/Download Healthcare Reform and Your Benefits (PDF)

Anthem Health Insurance

Anthem provides health care coverage for more than 2 million Virginians, which include many of the university's employees. There are three plans offered for your health care needs, all of which include vision and prescription drug benefits.

Key Care PPO

Download a Summary of Benefits and Coverage (SBC) Key Care PPO

This plan is Anthem's preferred provider organization. Patients select their own hospitals and doctors, either from inside or outside the plan. The benefit cost can be either in the form of co-insurance and/or co-payment, depending on the services needed. This plan also provides a limit on out-of-pocket expenses.

Healthkeepers HMO 10

Download a Summary of Benefits and Coverage (SBC) HealthKeepers HMO 10

This Plan is Anthem's health maintenance organization, (HMO). This type of health care network provides a wide range of health care services with fixed co-payments and predictable out-of-pocket expenses.

Healthkeepers HMO 20/20/$500

Download a Summary of Benefits and Coverage (SBC) HealthKeepers HMO 20/20/$500

This Plan is Anthem's health maintenance organization, (HMO). This type of health care network provides a wide range of health care services with fixed co-payments, co-insurances, deductible and a limit on out-of-pocket.

Healthkeepers HMO 30/$5000

Download a Summary of Benefits and Coverage (SBC) HealthKeepers HMO 30/$5000

This Plan is Anthem's health maintenance organization, (HMO). This type of health care network provides a wide range of health care services with fixed co-payments, co-insurances, deductible and a limit on out-of-pocket.

Contact Information

http://www.anthem.com
Corporate Headquarters | 2015 Staples Mill Road | Richmond, VA 23230
800.451.1527 (PPO)| 800.421.1880 (HMO)

Anthem Dental Insurance

ANTHEM High Option Plan

This plan offers reasonable dental coverage for the university's employees and their families. A wide range of covered dental services is offered such as diagnostic and preventive services and basic dental services.

ANTHEM High Low Plan

This plan offers reasonable dental coverage for the university's employees and their families. A wide range of covered dental services is offered such as diagnostic and preventive services, basic dental services, major services, and orthodontic services.

Contact Information

http://www.anthem.com
Anthem Dental | PO Box 1115 | Minneapolis, MN 55440-1115
866.956.5607

EyeMed

EyeMed provides vision care coverage. EyeMed has over 53,000 national providers of eyewear. Employees receive a dollar allowance to be used for eye service. In addition, employees receive up to 60% savings on the most sought-after lens options through reduced, fixed prices.

Contact Information

EyeMed
www.Eyemedvisioncare.com
EyeMed Vision Care| 4000 Luxottica Place |Mason, OH 45040 | 866.939.3633

Anthem Term Life Insurance

Anthem provides term life insurance coverage for any University employee enrolled in the Anthem Medical Insurance. This insurance plan provides financial protection for your beneficiary(ies) by paying a benefit in the event of your death. These benefits are as follows:

  • For Employee: Basic Life $30,000 (50% of policy at age 70)
  • For Employee: AD & D $30,000 (50% of policy at age 70)
  • For Your Covered Spouse: $5,000
  • For Your Covered Child: $2,500

Fort Dearborn Life Insurance

Group Life Benefits

Fort Dearborn offers group life insurance for employees enrolled in the university's group medical program. Basic Life and AD & D benefits are provided in the amount of $20,000.00 each. The cost of insurance is paid 100% by the university.

Contact Information

http://www.fdl-life.com
Fort Dearborn Life Insurance | 300 East Randolph Street | Chicago, Illinois 60601 | 800-348-4512

Colonial Life & Accident Insurance

Accident, Disability, Accidental Death and Dismemberment

Colonial Life and Accident Insurance Company offers supplemental insurance for employees while at their worksite. In partnership with Hampton University, this company mainly provides disability, accidental death and dismemberment benefits. Colonial Life provides the following benefits:

Benefits for Covered Injuries

Burns, Lacerations, Injuries requiring surgery, Complete fractures, and Complete dislocations

Death Benefits

  • Accidental death, Accidental death caused by car accidents, Accidental death while traveling
  • Death which occurs while you are paying a fare and riding anywhere in the world on a plan, train, boat or ship

Dismemberment Benefits

  • Loss of finger/toe
  • Loss of hand/foot or sight of an eye
  • Single Loss or Double Loss

Medical benefits while hospitalized

  • Benefits for services
  • Ambulance
  • Appliances

Supplemental Short-Term Disability

Forty (40%) of salary with seven day elimination period.

Contact Information

http://www.unumprovident.com
Colonial Life and Accident Insurance
Northeastern Sales Office | 20 Valley Stream Parkway | Suite 300 | Malvern, PA 19355
610.640.4224 | 800.370.1992 | 800.880.9325(fax)

UNUM Long Term & Short Term Disability

UNUM's Long Term and Short Term Disability Income Protection Insurance replace a portion of your income if you are unable to work due to an injury or sickness. This means you can have money coming in when you and your family need it most. In today's fast paced society, one is likely to suffer a disability that could hamper his or her ability to earn a living. Through the university, you are offered short term and long term disability at a reasonable rate that could be beneficial in the event you become disabled.

Long Term Disability

You are eligible for long-term disability if you are a full-time or part-time active employee working a minimum of 20 hours per week. Monthly long term disability benefits are provided at 60% of your basic monthly earnings not to exceed $5,000.00. Long term coverage can be payable up to the age of 65, but not less than 5 years.

Short Term Disability

You are eligible for short-term disability if you are a full-time or part-time active employee working a minimum of 20 hours or more per week. Benefits are provided at 60% of your basic weekly earnings, to a maximum of $500.00 per week. Benefits are payable up to 13 weeks.

UNUM Life Insurance

UNUM provides life insurance coverage for your beneficiary(ies) by paying a benefit in the event of your demise. The amount of benefit is made available up to $500,000. Premiums are offered at a reasonable group rate. You may seek coverage if you are working at least 20 hours per week.

UNUM AD & D Coverage

This accidental death and dismemberment insurance plan provides financial protection for your beneficiary(ies) by paying a benefit in the event of your death or for you and your dependents in the event of any other covered loss. The amount of benefit is made available up to $500,000. In addition, you can receive other various benefits that fall under the AD & D coverage. These benefits are as follows:

  • Repatriation Benefit
  • Seatbelts and Air Bag Benefit
  • Education Benefit

Contact Information

Unum Disability, Life and Financial Protection Benefits
Richmond Sales Office | 4801 Cox Road | Suite 102 | Glen Allen, VA 23060 | 800.336.3969

AFLAC (American Family Life Assurance Company)
Cancer Treatment Insurance

Hospital Intensive Care Insurance

This coverage is provided if you or a dependent requires confinement in an intensive care unit. Sometimes, health insurance coverage may not cover 100% of the expenses associated with the stay. Typically, coverage is provided for confinement up to 15 days. Other benefits that are provided are as follows:

  • Daily Sub-Acute Intensive Care
  • Human Organ Transplant Benefit
  • Ambulance Benefit

Intensive Care and Cancer Treatment

The cost of cancer treatment carries a hefty price that all health insurance companies may not be willing to pay. In many cases, large deductibles going upward to $1,000.00 must be paid before coverage kicks in. Once the deductibles have been reached, you can still be responsible for 10% or 20% of the bill, depending on what your out-of-pocket limitations may be. With this plan, you can have peace of mind in the vent that you are diagnosed with cancer. According to the American Cancer Society, about 1,228,600 new cancer cases are expected to be diagnosed this year. Being prepared can be of utmost assistance to you, especially if you have a family history of cancer. The benefits offered are as follows:

  • Hospital Confinement Benefit (for cancer treatment)
  • Radiation and Chemotherapy Benefit
  • Experimental Treatment Benefit
  • Anti-Nausea Benefit
  • Nursing Services Benefit

Contact Information

http://www.aflac.com
AFLAC Worldwide Headquarters | 1932 Wynnton Road | Columbus, GA 31999 | 800.99.AFLAC

TIAA-CREF Retirement Planning

(Teachers Insurance and Annuity Association College Retirement Equities Fund)

More and more people are finding that Social Security income alone will not be enough to maintain their present lifestyles. Many have been forced to return to the workforce after reaching age 65 due to insufficient income. You can plan for your retirement by establishing a 403(b) deferred retirement plan. This plan is available to employees of qualifying hospitals, educational institutions, such as Hampton University, and many not-for-profit organizations. With a 403(b), you can:

  • Start investing regularly for your retirement.
  • Reduce your gross taxable income by the contributions you make.
  • Watch your money grow on a tax-deferred basis.
  • Begin contributing through the convenience of automatic payroll deduction through the university.

The university offers its retirement plan through TIAA-CREF, with supplemental plans through TIAA-CREF and Lincoln National Life.

TIAA-CREF Voluntary Retirement Planning

RA (Retirement Annuities)

Eligible employees may begin contributions to their retirement plan after two years of consecutive service. Upon two years of consecutive service the university will contribute 2.5% of your base annual salary to your noncashable retirement account. If you contribute 5%, the university will match that contribution at 5%.

SRA (Supplemental Retirement Annuities)

Eligible employees may begin contributions upon hire. This plan is ineligible for university contributions. Funds accumulated in the supplemental plan may be withdrawn or borrowed against before the employee reaches 59.5 and/or separates from the university.

Contact Information

http://www.tiaa-cref.com
TIAA-CREF | Mid Atlantic South Region | 555 Twelfth St., NW | Suite 700 South | Washington, DC 20004 | 800.842.2008

Lincoln National Life Company

Voluntary Retirement Planning

Lincoln National Life offers two types of 403(b) Employer Sponsored Retirement Plans.

Variable Annuity

You can choose one or more of 23 investment options to create a portfolio representing a number of asset classes and investment management styles. As your financial situation changes, you also can change the combination of options to better meet your specific financial needs at the time. The 23 different investment options give you access to fourteen of the nation's top investment managers, which offer a variety of investment strategies and styles.

Fixed Annuity

Fixed annuity allows you to accumulate monies and defer taxes on contributions and interest earnings. Your money is not taxed until you withdraw it or choose to take benefit payments. Contributions to a fixed annuity are fully protected and guaranteed by Lincoln Life. There are no annual administrative fees, and a competitive interest rate is credited to your account and compounded daily. An Annual Guaranteed Rate is set for each calendar year. The rate credited to your account will not fall below the Annual Guaranteed Rate.

Contact Information

http://www.lincolnlife.com
Lincoln National Life | 1300 South Clinton Street | Fort Wayne, IN 46802 | 800.454.6265

MetLife

Life Insurance

For over 130 years, MetLife has provided its customers with a variety of competitive insurance policies and world-class service. Payroll deduction is available for MetLife's individual life products. The following life insurance policies are offered:

  • Term Life - This is temporary insurance for a limited time period that is payable only if the insured dies during the specified period.
  • Whole Life - This is permanent insurance that builds a cash value and can be borrowed against.
  • Universal Life - This is a flexible premium permanent insurance with death benefit guaranteed and investment opportunities.

Contact Information

http://www.metlife.com
Metropolitan Life Insurance | 1 Madison Avenue | NY, NY 10010 | 1.800.METLIFE

Allstate

Allstate provides income protection for you and our family to cover out-of-pocket expenses associated with an accident or critical illness. No one plans to get ill or have an accident. But, it can happen at any moment throughout your day. This means you can receive a cash benefit when your family needs it most.

Accident Insurance

You are eligible for accident insurance if you are a full-time or part-time active employee working a minimum of 20 hours per week. Allstate's Accident policy helps cover your out-of-pocket expenses associated with an accidental injury and helps to protect you financially should an on- or off-the job accidental injury occur. Benefits correspond with treatment for on - and off-the job accidental injuries including hospitalization, emergency treatment, intensive care, fractures, and more.

Critical Illness

You are eligible for critical illness insurance if you are a full-time or part-time active employee working a minimum of 20 hours or more per week. Critical illness insurance pays you a lump-sum benefit upon diagnosis of a covered critical illness or condition. Critical illness insurance can help lessen the financial impact to your family and allows you time to concentrate on recovery rather worrying about how to pay bills. Critical conditions include: heart attack, stroke, organ transplant, paralysis, cancer.

Universal Life Insurance

Allstate provides universal life insurance coverage for you and family. Beneficiary(ies) receives benefit in the event of your demise. You decide what benefit amount is right for you and your family up to $150,000. Premiums are based upon your age and the use of tobacco. The plan allows for withdrawals and loans toward future benefits. You may seek coverage if you are working at least 20 hours per week.

Contact Information

Allstate Benefits
Allstate Benefits | American Heritage Life Drive | Jacksonville, FL 32224-6687 | 800.521.3535