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Benefits
Contents of this Section:
Benefit InformationThis handbook includes only a general outline of University benefits. More information concerning each plan may be found in the appropriate Summary Plan Description available through the University Office of Human Resources or in the University of San Francisco Benefits Handbook. All conditions of coverage are governed by a plan document. The plan document for each benefit plan is maintained in the University's Office of Human Resources. The University reserves the right to change the structure of the benefit plan, including eligibility, at any time.
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Benefit EligibilityFull-time administrators are eligible for all of the plans described. "Full-time" is defined as the assignment to a position for at least 30 hours per week or .8 FTE on a regular continuing basis. Temporary administrators are generally not eligible for benefits.
Retirement plan benefit eligibility requires an assignment to a position for at least .53 FTE on a regular continuing basis. Temporary administrators are not eligible for benefits.
Tax deferred annuities and tax deferred mutual funds are available to all administrators.
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Medical Insurance ProgramThe University of San Francisco offers three healthcare options:
- Anthem Blue Cross Plan - a preferred provider organization (PPO).
- Kaiser Permanente - a health maintenance organization (HMO).
- Health Plan Waiver is a plan whereby the University pays administrators a monthly stipend if they have healthcare insurance elsewhere.
Premium payments for family coverage are deducted from paychecks on a pre-tax basis. For more information about health plan options or monthly premium costs, please contact USF's Benefits Specialist.
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Dental PlanThe University of San Francisco provides a dental plan for administrators and their families through the Delta Dental Plan of California.
The Delta Dental Plan provides for payment of a percentage of dental costs. The percentage of payment varies from 50 percent to 100 percent depending on the type of dental service provided and whether the patient has used the plan in the previous year. Using a dentist who has signed an agreement with Delta (a Delta Participating Dentist), will normally provide a lower outstanding balance remaining to be paid by the administrator. The premium cost for the Delta Dental Plan is fully paid by the University of San Francisco.
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Employee Assistance Program (EAP)The University of San Francisco provides an Employee Assistance Program to give professional and confidential assistance in dealing with personal or emotional issues.
The vendor uses the services of licensed clinical psychologists (Ph.D.), psychiatrists (M.D.) and other specialists with many years of experience. Plan providers are available in every major city in California.
This plan provides up to eight clinically approved visits per family unit per calendar year. Continued individual, couple or family therapy is available at a reduced rate. Please visit www.usfca.edu/hr/benefits for more information.
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Health and WellnessThe University sponsors USF Well-Life, a comprehensive health promotion and health education program. The program is designed to reduce an administrator's health risks through various behavior modification classes and individual counseling. For more information, please contact the University's Well-Life Manager in the Office of Human Resources.
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Flexible Spending AccountsThe University of San Francisco offers Flexible Spending Accounts which allow administrators to tax shelter eligible medical expenses and eligible dependent care expenses. Please ask the Benefits Specialist for more information on the benefits and limitations of this program.
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Short-Term DisabilityThe University of San Francisco administrators are covered by a mandatory short-term disability (STD) plan administered by an insurance company. This plan is provided in lieu of the State Disability Insurance Program. If administrators are unable to work because of a non-job related injury or illness, STD replaces part of the administrator's income until they are able to return to work.
Administrators pay the premiums for this plan automatically through payroll deduction.
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Paid Family Leave
Paid Family Leave (PFL) insurance provides up to six weeks of benefits for individuals who must take time off to care for a seriously ill child, spouse, parent, or registered domestic partner, or to bond with a new minor child. After completing a seven day waiting period, PFL pays approximately 60% of your weekly salary up to a maximum set by the state of California. The difference (40%) is paid by your vacation time.
USF Family Leave Medical Act policy states you may record the first 9.6 days as family sick time. Your sick/vacation time is coordinated so that you receive 100% of your salary. If you do not have vacation time, you will be unpaid by USF. For more information, please contact the HR Specialist.
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Long-Term DisabilityThe University of San Francisco provides a long-term disability (LTD) insurance plan to provide income protection for administrators who become disabled from sickness, accidental bodily injury, or pregnancy. Administrators must be continuously disabled for a specified number of days before LTD benefits become payable. The University pays the entire premium for this coverage. Please contact the Human Resources Specialist for more information about LTD.
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Workers' CompensationSafety for administrators is very important to the University. Therefore every attempt will be made to prevent accidents and to provide a healthful work environment.
In addition, the University provides a no-fault Workers' Compensation insurance program. If administrators are unable to work because of on the job injury or illness, Workers' Compensation covers medical expenses and pays a portion of lost wages based on the nature of the injury.
To insure the right to Workers' Compensation benefits, administrators must report every job-related injury promptly to the Office of Human Resources.
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Life Insurance and Accidental Death and DismembermentUSF provides group term life insurance protection in the amount equal to an administrator's annual base salary rounded up to the next $1,000.
Accidental Death and Dismemberment Insurance is also provided in this amount. Under Accidental Death and Dismemberment coverage, the insurance company will pay a benefit if an administrator sustains certain bodily injuries while insured under the policy. The injuries must result directly from an accident independent of all other causes.
Administrators may purchase optional term life insurance which provides coverage in addition to the basic group term life insurance policy. Employees may choose coverage in an amount equal to 1x, 2x, or 3x the annual base salary rounded to the next $1,000. Administrators may also select coverage for spouses and dependent children. These age-based premiums are paid by the administrators through payroll deduction.
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Travel Accident InsuranceThe University provides additional life insurance benefits to protect administrators in case of total disability or death resulting from an accident while traveling on University business. The University pays the premium for this coverage.
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Personal Accident InsuranceAdministrators may purchase additional accidental death and dismemberment insurance in amounts from $25,000 to $250,000 for individuals and families. Premiums are paid through payroll deduction.
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Retirement PlanThe University of San Francisco provides a retirement plan for all administrators who work at least 1,000 hours per calendar year. The University makes a 10 percent contribution (12 percent on wages above the Social Security wage base up to the annual maximum allowed by the IRS) to TIAA-CREF based on an administrator's gross monthly straight-time wages. The administrator does not make a contribution to this plan. This plan has a three-year cliff vesting schedule for all administrators not previously vested in a TIAA-CREF retirement plan. All administrators who were previously vested are immediately vested in this plan.
Administrators may also participate in an optional administrator-paid 403(b) retirement plan by paying a portion of current income on a tax deferred basis to TIAA-CREF, Fidelity, or AIG-Valic. This plan is completely paid by the administrator and has immediate vesting.
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Tuition RemissionThe University of San Francisco provides tuition remission for most degree granting programs (limitations apply to the University's Executive MBA program) to all full-time administrators and their spouse/LDA and IRS dependent children under the following provisions:
- The administrator is full-time before the first day of classes for the semester in which tuition remission is requested.
- Administrators, spouse and dependents must qualify for admission in the appropriate school offering the course(s).
- There is no interruption, because of time conflict, in the performance of duties for which the administrator was originally hired. The supervisor may make an exception to this rule.
- Only tuition is waived. No other fees will be paid by the University.
- Completed tuition remission forms must be turned into the Office of Human Resources four weeks prior to the first day of classes for degree seeking students and one week prior to the first day of class for students with visiting status.
- By federal law, the administrator is responsible for all federal and state income taxes due on the value of the tuition remission. Please contact the HR Specialist for details.
In addition, the University participates in the Faculty and Staff Children Exchange Program (FACHEX); which is an undergraduate tuition remission program for IRS dependent children of full-time faculty, administrators, and staff of participating institutions. It permits a limited number of children eligible for tuition at the home institution to receive the same benefit from other participating Jesuit colleges and universities. The benefits are for the remission of tuition only. Students participating in the program are expected to pay all fees and room and board charges assigned by the institution receiving the student. Generally, the tuition remission pertains to the regular sessions only. Under certain circumstances, the receiving institution may grant waivers for summer session tuition. This benefit pertains to full-time students only. To learn more about FACHEX, including a list of participating schools, contact the HR Specialist.
The University also participates in the Tuition Exchange Program which is an undergraduate tuition remission program for IRS dependent children of full-time faculty, administrators and staff. It permits a limited number of children to receive the same benefit at participating institutions. Please see www.tuitionexchange.org for more information or contact the Human Resources Specialist.
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