Flexible Benefits Book
FLEXIBLE BENEFITS AT UD
Because employees have different needs, the University of Delaware sponsors
a flexible benefits program. Flexible Benefits gives you the opportunity
to design your benefits program to fit your personal needs. And, as your
circumstances change, so can your benefits.
Annual open enrollment
The University allows employees to make changes in their flexible benefits
during open enrollment which is generally early in May. You must
make all changes via FlexNet, the University's electronic enrollment
You will need your UDelNet ID and password or UD ID and PIN. If you
and Spouse" or "Family" coverage, you must also complete
a spousal Coordination of Benefits form available at https://secomb.delaware.gov/cob/index.shtml. Open enrollment dates are published in individual mailings and on UDaily.
Full-time and benefits-eligible part-time (equal to or greater than 50% time)
employees participate in the Flexible Benefits Program. Coverage
begins the first of the month following the hire date. Dependents
can be covered under the medical, dental, vision, and dependent life plans.
Eligible dependents are your spouse and your dependent children. With the exception of the health insurance plan (terms of which are determined by the State of Delaware), benefits-eligible employees may also elect to cover their same-sex domestic partner and dependents under the University’s benefit plans. Contributions for same-sex domestic partners are typically deducted, using after-tax dollars, from an employee’s pay. Please see http://www.udel.edu/Benefits/menu/dp.html for additional information about partner benefits. Visiting
faculty and visiting professionals are not eligible for the flexible
Enrollment for new employees
Enrollment and benefits-related information is provided during
new employee onboarding. New employees who are eligible for flexible
benefits must submit their benefits elections within 30 days of their
benefits eligibility date.
Your UDollar allowance
The University of Delaware recognizes the importance of a comprehensive
benefits program and remains committed to providing one of the best benefit
packages available in this region. To assist you with the expense of
benefits, the University provides a benefits allowance (or credit) called "UDollars." These are the dollars that the University spends for
your coverage. For full-time employees the University's medical coverage
contribution equals the cost of the Blue Cross Blue Shield "First State Basic"
plan. The University also pays the cost for employee-only vision coverage, the full cost of dental coverage, standard
long-term disability and life insurance equal to two times benefits base
salary for full-time employees. Employees working part-time receive 60%
of the full-time contribution for medical and dental if the percent time
worked is less than 75%. Depending on the options you choose, you
* Have NO payroll deduction if the cost of your benefits equals your total
* Have a payroll deduction if the cost of your benefits exceeds your total
* Receive taxable Flex Cash, if the cost of your benefits is less than your
If you spend all your UDollars, you can pay for the remainder of your benefits
with before-tax contributions. Because these contributions are tax-free,
they are deducted from your salary before taxes are calculated. You will
never pay Federal/Delaware Income or Social Security taxes on them.
Some states and municipalities do consider your contributions as part of
your salary and tax them. If you live outside the State of Delaware,
check with your tax advisor for more details. Medical premiums paid
with pre-tax dollars cannot be used when itemizing medical expenses (that
exceed 7.5%) for your federal tax return. All contributions are
made on a semi-monthly basis -- 24 paychecks a year -- even if you are
a bi-weekly pay schedule.
Instead of spending all your UDollars on benefits, you may take some as
cash and increase your take-home pay. If you do so, the extra cash is taxable.
You may choose from a variety of benefit options that provide a range of
coverage. All options are described under each benefit.
Each benefit option has a price. The greater the coverage an option provides,
the higher the price is for that option. All prices are shown on your Flexible Benefits View found at: http://www.udel.edu/webviews.
Changes during the year
You can change your coverage between annual enrollments only if you have
a change in status, as defined by federal law. A change in status
- You marry, divorce or legally separate
- You have or adopt a child
- Your spouse becomes employed, loses his or her job (full-time employment)
or involuntarily loses medical coverage
- Your spouse or your dependent child dies
- Your dependents become ineligible for coverage
- You or your spouse have a change in job status from full-time to
part-time or vice versa
- You or your spouse take an unpaid leave of absence
- You or your spouse have a significant change in health coverage due
to a change in your spouse's employment.
Note: Health insurance carrier changes in your spouse's plan with another
employer are not considered family status changes.
If you have a change in status, you have only 30 days to change your
coverage. Furthermore, the requested change must be consistent with
the event. Contact
the Office of Human Resources at (302)831-2171 as soon as you can.
Examples of the changes you can make are:
- Increase or reduce the number of dependents you cover under your
medical, dental, or vision plans
- Choose a different medical option (certain plan changes during the
year are not permitted by the insurance carriers)
- Choose a different long-term disability or employee life insurance
- Change your dependent life insurance option
- Begin, stop or change your contributions to Flexible Spending Accounts
Benefits base salary
Your Benefits Base Salary for this program is your annual salary plus
administrative supplements. It affects your life insurance amount and
your disability benefits.
If your benefits base salary changes between annual enrollments, your life
insurance and long-term disability coverage is automatically adjusted. The
prices for this coverage remain the same until the next enrollment. Benefits
payable from these programs would be based on salary earned at
the time of disability or death.
Flexible benefits and the federal government
The federal government closely monitors all employer-sponsored benefit
plans to ensure compliance with laws and regulations. As long as the benefit
plans remain in compliance, you and the University continue to receive
Before-tax contributions and Social Security
Because your wage base is reduced by your before-tax contributions,
you pay lower Social Security taxes.
The 2011 Social Security FICA tax rate is 4.2 percent up to a wage base of $106,800 and 1.45 percent with no limit.
Because your Social Security benefits are based on the taxes you pay, your future
Social Security benefits may be reduced slightly.
Before-tax contributions and your other benefits
Before-tax contributions to the Flexible Benefits Program do not affect
University contributions to other tax-deferred programs such as TIAA/CREF
and Fidelity Investments. For these programs, UD contributions are
based on your full salary. Federal law mandates limits on TIAA-CREF and
Fidelity contributions. For employees hired on or after July
1, 1996, UD may contribute up to $245,000 of salary only. Employees
hired prior to July 1, 1996 are "grandfathered" and receive
contributions on full salary.
New employees who do not enroll for benefits within the first 30 days
of hire will receive the following benefits:
||Employee only Basic Plan
|Employee Life Insurance
||2x benefits base salary
|Dependent Life Insurance
|Flexible Spending Accounts