Medical Benefits

A choice of three medical programs is available, provided enrollment occurs within 31 days of employment. One Point of Service is available, the United HealthCare Choice Plus. The two other options are Health Maintenance Organizations, Group Health Plan HMO and United HealthCare Choice HMO.

All plans and any dependent coverage require a payroll contribution from the employee. The University arranges all medical and dental plan costs on a pre-tax basis through a premium conversion program. Instead of a payroll deduction, your expense is arranged as a pay reduction, which reduces taxes you otherwise would have to pay. You may waive this process and instead elect an after tax expense.

Life Insurance

A choice is offered among benefits equal to one, two, three or four times base annual earnings, to a maximum of $400,000. The University provides a benefit equal to one times base annual salary and the remaining benefit selected is provided at low group rates based upon age. Dependent life in the amount of $25,000 for a spouse and $12,500 for an eligible dependent child is also available.

Accidental Death & Dismemberment

The University provides a benefit equal to one times base annual salary. Participants may also select additional benefits in units of $10,000 not to exceed a $500,000 overall limit. A family plan is also available.

Dental Plans

Three optional plans of coverage are available through payroll deduction, providing enrollment occurs within 31 days of employment. Changing from one plan to another is allowed during open enrollment periods.

403(b) Plan

Tax deferred investments are available through salary reduction from the same mutual fund families and annuities used for the University Retirement Plan. All employees are immediately eligible.

Retirement Plan

The University's retirement plan is a voluntary defined contribution plan. After one year of continuous service, the University will contribute to the Plan a percentage of the eligible participant's salary provided the employee contributes to the 403(b) Plan. The Plan offers a 2 to 1 match up to a maximum employer contribution of 10% based on an employee contribution of 5% or higher. Contributions are all taxed deferred. All contributions made by the University are vested upon eligibility after one year of employment in which an employee completes 1000 hours of service to the University.

Flexible Spending Plan

The Flexible Spending Plan lets you pay for eligible medical and dental expenses that are not otherwise covered by insurance with contributions taken from your pay before taxes. You may elect an amount of benefit up to $5,000 per year. Enrollment must be made within 31 days of your date of full time employment, during the annual open enrollment period or within 31 days of dependent birth/adoption.

Dependent Care Plan

The Dependent Care Spending Account lets you pay for eligible child or dependent care expenses with contributions taken from your pay before taxes. You may elect any amount of benefit up to a legal limit of $5,000 per year (married persons filing separate returns would be limited to $2,500). An enrollment choice must be made within 31 days of your date of employment, during the annual open enrollment period or within 31 days of dependent birth/adoption.

Sick Leave

Sick leave is earned and accrued at the rate of 13 days per year. Unused leave may be accrued up to a maximum of 130 days. Medical evidence substantiating the nature and probable duration of an incapacity may be required. Faculty should consult their contract/handbook for applicable information.

Long-Term Disability

Coverage is automatic, as a condition of employment, after one year of full-time service. Benefits are payable as of the first day of the month following the later of 90 days or the exhaustion of sick leave and vacation not to exceed 180 days. The plan pays 60% of salary up to $15,000 per month. Benefits will be reduced by payments received under Workers' Compensation and/or Social Security laws. There will be a small payroll deduction assessed for benefits that apply to any portion of salary that exceeds $36,000 per year.

Long-Term Care Insurance

The University offers enrollment in a Long-Term Care Insurance program with John Hancock Financial Services, Inc. through direct bill to all full-time faculty, staff and housestaff actively working 32 hours or more per week on U.S. payroll. Additionally, eligible spouses, adult children, spouses of adult children, siblings, spouses of siblings, parents, parents-in-law, grandparents, and grandparents-in-law of eligible faculty, staff and housestaff also may enroll, under certain conditions.

Employer Assisted Housing Program

In an effort to contribute to the revitalization of the immediate University neighborhood, and assist its employees in the pursuit of home ownership, Saint Louis University seeks to provide a housing benefit to its employees through the Hometown SLU program. The goal of Hometown SLU is to provide three benefits for University employees, detailed on the Hometown SLU website.

Employee Assistance Program

Confidential professional counseling is provided at no personal cost for staff and their families who are coping with a personal or family crisis. Please call 977-1066 to make an appointment.

Adoption Assistance Program

The adoption assistance policy provides financial reimbursement for adoption related expenses. Eligible staff, faculty and administrators may receive reimbursement for a maximum of $6,000 for agency
and non-step child adoptions or $1,000 for adoptions of a stepchild.

Child Care Resource and Referral Service

This is a University paid benefit through the Child Day Care Association that provides a customized database of child care resources in the St. Louis metropolitan region. Upon your request, CDCA will prepare a list of day care facilities that meet your needs.

Business Travel/Accident

This is a $100,000 benefit provided for travel on University business. Covered travel must be authorized by or at the direction of the University.

Vacation