Explanation of Benefits
Health Insurance: Provides coverage for necessary medical care, accident treatment, surgery, prescription drugs and other miscellaneous eligible expenses. Employees are offered one medical plan design through SelectHealth that gives a choice between two networks – SelectHealth Med or SelectHealth Care. UFA currently pays 80 % of the total premium for the SelectHealth Med network option. This dollar amount is also applied towards the premium for those who elect the SelectHealth Care network option.( Please refer to insurance cost page for specific amounts.) www. selecthealth. org
Dental Insurance: Provides coverage for both routine and special treatment by dentists, orthodontist, oral surgeons, etc. UFA only offers one dental option and that is SelectHealth. www. selecthealth. org
Life Insurance: UFA currently provides each employee, who is eligible for benefits, with $ 25,000 of minimum life insurance. Employees may obtain additional insurance( up to $ 500,000, based on underwriting) at their own expense. Employees may also obtain insurance for their spouse and child( based on underwriting). www. pehp. org
Accidental Death & Dismemberment( AD & D) Insurance: Provides benefits in the event of an accidental death, loss of use of limbs, speech, hearing or eye sight due to an accident, subject to the limitations of the policy. UFA currently provides $ 25,000 in coverage for each employee, who is eligible for benefits. Employees may obtain additional insurance( ranging from $ 25,000 to $ 250,000) at their own expense. www. pehp. org
401( k) or 457 Plans: Voluntary tax-deferred retirement savings programs authorized under sections 401( k) and 457 of the Internal Revenue Code. All UFA employees may defer portions of their own salary into these accounts, which are administered by Utah Retirement Systems( URS). URS also offers an option to contribute to a ROTH IRA. Currently UFA does not contribute to a 401K or 457 plans except in the case of employees classified as Tier II under Utah Retirement Systems( see RETIREMENT in this listing). www. urs. org
Flex Plan( 125 Plan): A program whereby employees can set aside pre-tax dollars to pay for out-of-pocket health care expenses not covered by insurance and / or dependent day care costs.
The UFA currently provides this service to all of its employees through a third-party administrator( APA Benefits) and pays the administrative cost associated with the program. http:// www. apachoicepoint. net /
Vision Program: UFA’ s vision program is administered through EyeMed. This program includes the following coverages: exam, retinal imaging, frames, lenses contact and laser vision correction. www. eyemedvisioncare. com
Tuition Assistance Program: Reimbursement of up to 75 % of tuition costs for coursework( which must be in an approved field of study and related to employment with the UFA) in accordance with eligibility requirements. Currently, the amount of assistance that may be received by an eligible employee is capped at $ 3,000 per fiscal year, and $ 15,000 per degree.
Employee Assistance Program: Consultation, referral, and short-term counseling for personal or family problems provided free of charge. Some programs also offer low-cost, or no-cost, legal services, stress-reduction training, financial information, etc. UFA currently provides this service for all of its employees through Blomquist Hale Solutions. www. blomquisthale. com
Critical Illness Plan: This plan is offered by AFLAC and provides cash benefits directly to employees to pay bills related to treatment or to help with everyday living expenses. Coverage is available for employees and dependents and covers such illnesses as cancer, heart attack and stroke. www. aflacgroupinsurance. com
Hospital Indemnity Plan: This plan is offered by AFLAC and provides cash benefits directly to employees who have been hospitalized to pay bills related to treatment or to help with everyday living expenses. www. aflacgroupinsurance. com
Identify Theft Protection: Coverage is provided by Allstate Identity Protection and helps protect your identity. Should fraud or identity theft occur, their in-house Privacy Advocates ® are always there to fully restore any employee’ s compromised identity, even if it occurred prior to enrollment. https:// www. allstateidentityprotection. com /
Paid Military Leave: Paid time off for employees called to military service. Currently, 8-hour firefighter and non-firefighter employees, who are eligible for benefits, may take up to 120 hours of leave; 24-hour firefighters may take up to 168 hours of leave. Necessary leave beyond these limits is considered military leave-without-pay.
Sick Leave: Paid time off for employees( who are eligible for benefits) to use when they, or a member of their immediate family, are sick, injured or attending medical appointments. Leave is currently accrued at the rate of 8 hours per month for 8-hour firefighter employees and non-firefighter( Civilian) employees, who are eligible for benefits, and the rate of 12 hours per month for 24-hour firefighters. 960 hours of sick leave may be carried over from year to year for all sworn employees and 640 hours may be carried over for 8-Hour Civilian employees. Hours above 960 for Sworn employees and 640 for Civilian are eligible for“ buy back” at the end of each calendar year. Buy-back rate is established by the UFA Board and is currently set at 60 %. The funds are deposited into an employee’ s VEBA Account.
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