UIW Benefits Information

Proficient Benefit Solutions (SBS #SASUICW)
Customer Service: (888) 659-8151
Email: ask@proficientbenefits.com

An FSA provides an important tax advantage that can help you pay health care and dependent care expenses on a pre-tax basis. By anticipating your family's health care and dependent care costs for the next year, you can lower your taxable income.

Medical Spending Account

This program allows eligible UIW employees to pay for certain IRS-approved medical care expenses not covered by their insurance plan with pre-tax dollars. Some examples include:

Hearing services, including exams, hearing aids, and batteries
Vision services, including contact lenses, contact lens solutions, eye examinations, and eyeglasses
Dental services and orthodontia
Chiropractic services
Acupuncture
Prescription contraceptives

How It Works

You can have pre-tax dollars deducted from your gross wages. Under Section 125 of the Internal Revenue Code, you save Federal Insurance Contributions Act (FICA) and federal income tax while having tax-free money to pay for services not covered by insurance or out-of-pocket expenses. Consider that this money is “use it or lose it” at the end of the plan year.

When you purchase items not covered by insurance, but eligible under the Flexible Spending Account, you can use your employee flex card to pay for item(s) at the point of service. You can also file for reimbursement of your expenses directly from Proficient Benefit Solutions.

When you participate in a Dependent Care Spending Account you can contribute pre-tax dollars through payroll deduction to pay yourself back for dependent care expenses, such as:

Daycare
Nursery
Before-and-After School Care
Adult Daycare (person must qualify as a dependent under IRS guidelines)

Eligible Expenses and Conditions

The need for dependent care expenses must be work-related.

You and your spouse must be gainfully employed or a full-time student. A child must be under the age of 13, or a dependent over the age of 13 who is unable to care for himself/herself.

How It Works

To determine how much to fund your Dependent Care Account, check with your daycare center or home care provider to determine if your cost will change during the plan year. Then determine how many weeks you will require day care. Be sure to subtract the time you will spend on vacation, holidays, and other days you will not need daycare. Multiply your weekly cost by the number of weeks you need daycare. Add the total for eligible dependents to get your estimated dependent care expenses. Consider a lower pledge amount to reduce your risk of forfeiture as this money cannot be used for other expenses.

Pet Insurance

Complimentary Benefits

Supplemental Insurance Coverage

AFLAC
Contact: Andrea Rendon
Direct phone: (210) 842-2713
Email: andrea_rendon@us.aflac.com

AFLAC Main Customer Service: 1-800-992-3522

Short Term Disability

Pays a monthly benefit if you are unable to perform the duties of your job due to an off-the-job accident or illness. Each employee chooses the monthly benefit amount and the elimination period. These benefits come directly to you and you decide how to use them. Rates vary by individual and are based on individual characteristics, benefit amount, elimination period, and policy length.

Accident Plan

Pays benefits for injuries and their treatment directly to you in case of an accident—the initial treatment, the injuries, follow-up care, physical therapy, major diagnostic exams, hospital and intensive care stays, ambulance transportation, a death benefit, and a wellness benefit. You don't need to be unable to come to work for benefits to be paid. On and off-the-job accidents are covered by this plan.

Hospital Indemnity Plan

Guarantee issue hospital plan provides a lump sum benefit for hospital stays plus an emergency room benefit, physician visit benefit, as well as an ambulance benefit. The buy-up version provides a surgical care benefit, complex imaging benefit, and daily hospital confinement benefits.

Cancer Indemnity Plan

Pays a large lump sum benefit upon diagnosis of internal cancer and then pays daily or weekly benefits for hospitalization, radiation, chemotherapy or experimental treatment, blood and plasma, extended care, hospice, and home care as well as benefits for anti-nausea drugs, immunotherapy drugs, surgery, second opinions, evaluations at the National Cancer Institutes, prosthetic devices ambulance transportation, family lodging, and bone marrow or stem cell transplantation. An annual wellness benefit of $75 is also included.

Aflac Plus Rider

Pays a $5,000 benefit upon diagnosis of heart attack, stroke, type 1 Diabetes, traumatic brain injury, Alzheimer’s disease, Parkinson’s disease, Lou Gehrig’s Disease (ALS), Multiple sclerosis (MS), and several other major medical events. There is a secondary event benefit, a heart surgery benefit, and a tier two critical event benefit as well.

Retirement Plans

TIAA Retirement Planning

TIAA

Instructions to access retirement account online (pdf)

Dedicated UIW TIAA website

Customer Service: (800) 842-2252

UIW Retirement Plan

The University of the Incarnate Word offers a retirement plan available to all regular full-time employees. To participate in the Teachers Insurance Annuity Association (TIAA), eligible employees must complete the Salary Reduction Agreement Form or contact the Human Resources Office.

Employees may begin participating after one year of eligible service. Enrollment in the program requires employees to contribute a minimum of 3% of their gross salary and UIW will contribute an additional 7% of the gross salary. UIW matching contributions are subject to change. Participation in the plan is voluntary for the first 10 years of employment. After 10 years, all eligible employees are required to participate in the Plan.

Supplemental Retirement Plans

TIAA also offers a tax-deferred or UIW Supplemental Retirement Annuity (SRA) and an after-tax Roth 403(b). Participation in these funds does not include an employer match. Employees working 20 hours or more a week are eligible to participate after date of hire. Regular part-time employees working less than 20 hours a week can participate after one year of eligible service.

Catch Up Contributions (For Age 50 and over)

For employees who are age 50 or over at the end of the calendar year, catch up contributions are permitted in accordance with, and subject to, the limitations of section 414(v) of the IRS code. These contributions will be made to the UIW Supplemental Retirement Annuity on a monthly basis.

Retirement Health Savings

The University will begin to make contributions for you to the Retirement Health Savings account when you reach age 40 with one year of service. The University will cease making its contributions on the earliest of the following: the date the University has made 25 years of contributions to your account, the date you cease employment at the University, or at your death.

To supplement the employer contributions to the account employees can begin to make voluntary contributions to the Plan on a flat dollar basis per payroll period if they are age 21 or older with one year of service. There are no minimum requirements for employee contributions.

Retiree Health Savings Plan Summary

Retiree Health Savings Account Flyer

Other Retirement Resources:

Investing for a lifetime guaranteed brochure (pdf) - offers you insights into products that offer guaranteed lifetime income ^* options on your retirement plan.
Six rules to ensure comfortable retirement (pdf)
Outcomes that Matter - website on additional information on guaranteed lifetime income
Social Security Administration website
Medicare website
A, B, C, Ds of Medicare: What you need to know for 2024

Life Insurance

Table describing Life Insurance Benefits
Basic Coverage
Basic Life and AD&D	100% of basic annual earnings rounded to the next higher $1,000; Maximum $250,000
Age Reduction	Life and AD&D Benefits reduce 35% at age 65; 60% at age 70 and 75% at age 75
Supplemental Life Coverage
Employee Minimum Benefit	$10,000
Employee Additional Benefit	$10,000 increments The lesser of 5x salary or a maximum of $500,000
Spouse Minimum Benefit	$5,000
Spouse Additional Benefit	$5,000 increments 100% of employees amount to a maximum of $150,000
Dependent Child Benefit	$2,000 Increments 100% of employees amount to a maximum of $10,000 (up to age 26)
Guarantee Issue (excluding late entrants)	Employee-5x salary up to $150,000; Spouse-$50,000; Child-$10,000

Long Term Disability

Employee Assistance Program

Part-Time Employee Benefits

Patient Protection and Affordable Care Act

COBRA

Health Insurance Newsletters

UIW Benefit Committee

Insurance Benefits Committee
Member	Position
Sr. Walter Maher	VP for Mission and Ministry
Doug Endsley	Interim VP for Business and Finance
Dr. Ronda Gottlieb	Director of Clinical Health
Dr. Jeff Copeland	Associate Dean of Experiential Programs- Pharmacy
Dr. Rachell Booth	Professor - School of Math, Science and Engineering
Dr. Shandra Esparza	Associate Dean - Nursing and Health Professions
Elisa Gonzales	Associate VP/Comptroller
Scott LeBlanc	Director of Sports and Wellness
Ashley Wysong	Administrative Assistant to the Sr. Director for Military and Veterans Affairs
Shannon Root	Associate VP of Human Resources
Patricia Sierra	Director of Employee Benefits

UIW Employee Wellness

Health and Wellness Hub

UIW Health Clinic

Medical Insurance Feedback Form

UIW Benefits Information

Safe Harbor List (Insurance Accepting Providers)

Personify Health - Third Party Administrator (TPA)

Contact Information

Summary of Benefits and Coverage

Medical Plan Document

RxBenefits

Maximum Cost Limit

Mail Order

Specialty Pharmacy

Christus Virtual Care On Demand

HealthComp Website

Contact Information

MetLife Vision Information

UIW Eye Institute

Medical Spending Account

How It Works

Eligible Expenses and Conditions

How It Works

Spot Pet Insurance

Signing up

Complimentary Benefits

Short Term Disability

Accident Plan

Hospital Indemnity Plan

Cancer Indemnity Plan

Aflac Plus Rider

TIAA Retirement Planning

TIAA

Retirement Health Savings

Other Retirement Resources:

Mutual of Omaha

Contact Information

Mutual of Omaha Long-Term Disability

Mutual of Omaha Employee Assistance Program

Here are some highlights of the program

UIW Employee Wellness Website

Open to all current UIW Employees

UIW Health Services