Other Voluntary Benefits Options
- Additional Benefits through Cigna
- Adoption Assistance Program
- Always Vision SM
- Credit Union
- Group Legal Plan
- Initial COBRA Notice
- Long Term Insurance Care
- Transit Benefit Eligibility
- Vision Service Plan
Adoption Assistance Program
Supporting families, Loyola’s adoption assistance benefit is provided to you at no cost. This program will reimburse you at 90% for covered expenses up to a maximum of $5,000 (or $6,000 if the child has special needs). Expenses will only be paid for the adoption of children under the age of 18 or who are physically or mentally incapable of caring for themselves.
Covered expenses (which must be reasonable and necessary) include:
- Agency fees
- Counseling fees
- Court costs
- Legal fees
- Maternity costs for the child
- Placement fees
- Temporary foster care
- Transportation costs
Limitations: Benefits are not payable for the adoption of stepchildren or for pre-natal or maternity costs of the birth mother of the adoptive child.
Tax considerations: the adoption assistance benefit is not subject to federal or Illinois state tax withholding, but is subject to FICA withholding tax.
Loyola University Employee's Federal Credit Union
A credit union is a unique financial institution that is subject to the same regulations as a bank. Formed by a group of people with a common link, like their profession or place of work, a credit union is run by its members. The initial capital to start the credit union comes from the founding members who pool their own money as savings and make low-cost loans to each other.
Loyola’s credit union started in just this way. The sole purpose of the credit union is to meet the needs of its members.
Your credit union account is insured for up to $100,000.00 through the National Credit Union Administration Insurance Fund, an agency of the Federal government.
Joining: Membership is open to all employees [including student workers] of Loyola University Chicago, Loyola University Medical Center, and Madden Mental Health Center, and their immediate family. A share account may be opened with a minimum balance of $25.00. You may authorize payroll deduction for direct deposit into your Credit Union account(s). Membership forms may be obtained in the campus HR office or by contacting the Credit Union at (708) 216-4500.
| LUEFCU Services: | ||
|---|---|---|
|
* Direct Payroll Deposit |
* Loan options: |
* Discount tickets:
|
Group Legal Plan
The Hyatt Group Legal Services Plan provides you and your family access to a network of attorneys who can provide a wide range of professional legal services including:
| Hyatt Group Legal Services | ||
|---|---|---|
|
* Wills and Codicils |
* Mortgages |
* Debt Collection Defense |
The Hyatt Legal Plan allows access to a nationwide network of participating attorneys. Plan Attorneys have met stringent selection criteria and have an average of more than 16 years of legal experience.
Plan Attorney assistance includes:
- Consultation on the telephone
- In-person consultation
- Document preparation
- Representation in many frequently necessary legal matters
You have the flexibility to use a non-Plan Attorney and be reimbursed for the covered services according to a set fee schedule. If you use a non-Plan Attorney, you will be responsible for paying the difference between the Plan payment and the out-of-network attorney’s charge for the service.
There are limitations to this plan. Covered legal services do not include representation in litigation matters.
Legal advice is just a phone call away. When you face a situation that you think has legal implications, simply pick up the phone. A knowledgeable Client Service Representative will be available to assist you in locating a Plan Attorney near your home or workplace. Plan Attorneys are generally available to meet with you on weekdays, evenings, and Saturdays.
Certain areas are not covered by the plan and there is no obligation to provide legal service benefits in any matter deemed frivolous, harassing or in contravention of the rules of ethical conduct by governing attorneys. More information and a listing of available attorneys can be found on the Plan website: www.legalplans.com or at 800-821-6400 8:00 a.m. – 8:00 p.m., Eastern Time Monday through Friday.
This benefit is portable. If you leave the University you need to contact Hyatt Legal Services/MetLife one month in advance. Hyatt will give you details on plan
continuation.
Long Term Care Insurance
All full time faculty, staff, and part-time regular employees scheduled to work twenty (20) or more hours per week are eligible to enroll in this plan. Your spouse, parents, grandparents, parents-in-law, and grandparents-in-law are also eligible to participate in Loyola’s Long Term Care insurance at group rates. If you choose to enroll your parents or grandparents or those of your spouse, the enrollment form is mailed directly to CNA.
Long Term Care is a voluntary option provided to you through CNA. Long term care is the type of help you may need when you are not able to perform some activities of daily living (ADLs) by yourself due to an illness, disability, or severe cognitive impairment (such as Alzheimer’s) or similar irreversible dementia.
Activities of daily living are bathing, dressing, toileting, mobility, continence, and eating. You might receive care at home, in a nursing home or an assisted living facility, or from community-based health care that allow you to stay in your own home. Your group health plan will pay little, if anything, toward long term care. This Long Term Care plan pays for care in a nursing home or an assisted living facility, or for community-based health care.
Cost of Coverage
Premium rates are based on a choice of four fixed daily benefits and your age at the time of enrollment. When you select one of the “basic daily benefit” option levels of $100, $150, $200, or $250, this is the amount of daily benefits you may receive and the lifetime maximum. For nursing home care, you will be reimbursed the daily benefit you select for each day you are confined to a nursing facility after you have satisfied the waiting period (60/15 Service Days). Your lifetime maximum benefit amount for any covered service (nursing facility care, community-based care) is based on the plan selected. After your application is approved by CNA, you will be advised of your monthly premium.
The Long Term Care Plan is a “Portable Plan” (Third page on Long Term Care Coverage)
You may continue your coverage under this plan at the same premium rate even after you retire or leave Loyola. You are advised to contact CNA’s Customer Service one month prior to leaving employment or retirement to set up direct billing to your home. CNA’s Customer Service Department: 1-800-528-4582.
| The Long Term Care Plan Comparison | ||||
|---|---|---|---|---|
| FEATURES AND BENEFITS | OPTION # 1 |
OPTION # 2 |
OPTION # 3 |
OPTION # 4 |
|
Nursing Home Benefit CNA will pay up to 100% of the benefit that you select for each day that you are confined in a long-term care facility. |
$100 |
$150 |
$200 |
$250 |
|
Community-Based Care Benefit CNA will pay up to 75% of your community based care benefit for each day you receive care in your home, an assisted living facility, an adult day care center or an adult foster care center. |
$75 |
$112.50 |
$150 |
$187.50 |
|
Lifetime Maximum Amount (5 Year Plan) Is a pool of money the insured can use for all eligible expenses. The lifetime maximum amount will automatically increase when your daily benefit for nursing home increases. |
$182,500 |
$273,750 |
$365,000 |
$456,250 |
|
Waiting Period For any combination of nursing home care and community based care, the waiting period is 60/15 Service Days. Once per Lifetime |
YES |
YES |
YES |
YES |
|
Home Medical Technology Covers a variety of assistive devices and pays up to $1,000 per year. |
YES |
YES |
YES |
YES |
|
Caregiver Training Benefit CNA will pay up to 3 times the community based care benefit that you select for training of an informal caregiver in your home. |
YES |
YES |
YES |
YES |
|
Hospice Benefits CNA will pay benefits for terminally ill claimants. The payment will equal either the nursing home benefit or the community based care benefit you select depending on where the care is received. |
YES |
YES |
YES |
YES |
|
Return of Premium at Death Refunds premiums paid if the insured person dies before age 75. If death occurs prior to age 65, 75% of premiums refunded, less benefits received. After age 65, the amount refunded declines by 10% each year |
YES |
YES |
YES |
YES |
|
Temporary Bed Holding Benefit If you are required to leave a long-term care facility for a short period of time, CNA will continue to pay the facility to hold your bed up to 21 days per year. |
YES |
YES |
YES |
YES |
|
Inflation Protection Feature You will periodically be given opportunities to increase your benefit amount and lifetime maximum on a guarantee issue basis. |
YES |
YES |
YES |
YES |
|
Worldwide Coverage Provided coverage for those living outside the United States |
YES |
YES |
YES |
YES |
How to Enroll:
To enroll in CNA's Group Long-Term Care Insurance plan, you must go to their website where you can find your premium - and review your rate(s). You will be able to download the proper forms to complete and mail to CNA; their mailing address is located on the forms. You will not be able to enroll on-line. Please follow these basic steps:
Step 1: Log on to www.ltcbenefits.com.
Step 2: Enter your Password: Loyola
Step 3: Click on the "Enroll Now" Button
Step 4: Click on "Find My Premium" to review your rate
Step 5: Download and print the proper form:
- Employee Form
- Spouses of Employees
- Parents; Grandparents; Parents-in-law; Grand Parents-in-law
Step 6: Mail the completed form to CNA (the mailing address is located at the
bottom of the "applying is Easy" form. You can print a copy of the Long-Term Care brochure.
To request a Long Term Care kit, call CNA at 1-800-528-4582.
Transit Benefit Eligibility
-
Eligibility for participation in the transit program requires an FTE .80 or higher. You may elect any amount in combination of the following resources not to exceed the monthly $245.00 federal pre-tax limit for 2013 for the pre-tax allowance.
Chicago Card Plus, I-GO Card, Chicago Card, and the CTA Transit Card
Make pre-tax contributions to your card for purposes of travel on Chicago Transit Authority buses and subways. There is a one-time $5 cost for the purchase of the Chicago Card Plus and the Chicago Card. Each month, the amount you havededucted through payroll for CTA will be automatically added to your Chicago Card Plus, Chicago Card, and CTA Card. Your initial cardwill be mailed to your home.
Chicago Card Plus 30-day (Reloadable). Allows for unlimited travel on the CTA for 30 days from the first day of use. The cards are reloaded automatically and have a four-year expiration date. If electing the Chicago Card Plus for the first time, or re-activating the card after a period of not loading the card in excess of 90 days, a CTA Enrollment Form will be required in order to activate your election. This form can be found on the www.LoyolaExpress.com site.
Chicago Card Plus – Pay-Per-Use Options. You may choose dif erent monthly dollar amounts of $30, $45, $60 and $100.00. If electing the Chicago Card Plus for the i rst time, or re-activating the card at er a period of not loading the card in excess of 90 days, a CTA Enrollment Form will be required in order to activate your election. This form can be found on the www.LoyolaExpress.com site. The re-loadable card will be delivered to your home address.
Chicago Card (Monthly Reloadable). The Chicago Card Monthly holds a month of unlimited CTA transit use for $100.00 per month, regardless of the number of days in the month. The pass cycle starts on the first day of the month (not the first day of use like the Chicago Card Plus 30-day pass). If you are currently using Chicago Card Plus and elect Chicago Card Monthly, you will receive a new card. The reloadable card can be picked up from your campus Human Resources office (Lakeshore or Water Tower) or mailed to your home.
CTA Transit Card (Non-Reloadable). Pay-per-use; these disposable cards are discarded at er the value of the card reaches a zero balance. You cannot add more money to the card. h e CTA+Transit Card has a 13-month expiration date. Available in dollar amounts of: $30, $35, $35 Reduced Fare Pass, $50, and $70; or an $100.00 (30-day card cycle that begins on the first day of use). These cards are picked up each month from your campus Human Resources office (Lakeshore or Water Tower), or mailed to your home.
I-GO Card. Use it to access I-GO’s fleet of fuel-efficient vehicles. I-GO is a non-profit car-sharing organization committed to providing affordable transportation options for people who live in theChicago area. After paying Loyola’s discounted annual enrollment fee of $25, you pay only when you use an I-GO car, which can be reserved by phone or online. I-GO maintains about 200 vehicles in more than 30Chicago neighborhoods and at two Loyola locations:
- LakeShore—1236 W. Loyola Avenue
- Water Tower Campus—111 E. Chestnut Street
To apply for a Chicago Card Plus/I-GO card, please call Nancy Mueller at Benefit Express at (847) 637-1594.
RTA Transit Check. In this option, you receive an RTA transit check before the first of the month. Use the check for Metra, CTA and other qualifying mass transit systems. Transit checks are available in any amount up to $245.00 and can be picked up from your campus Human Resources (Lakeshore or Water Tower) office. RTA vouchers will be available for pick-up before the first of the month from the Human Resources office at WTC or LSC. Deductions for your voucher will be withdrawn from your check the month prior to use. The vouchers may be used to purchase Metra, South Shore Railroad fares, or CTA or Pace transit cards from any authorized agent.
How the Program Works
Enroll in the Transit Benefit Program via the Internet at: www.LoyolaExpress.com. Using the Internet to enroll is easy and safe. Our secure website is set up to automatically take you through easy enrollment steps with instructions on line. After you log on, the website will prompt you to enter your LOYOLA USERNAME and your LOYOLA PASSWORD. You may phone Benefit Express – Customer Service at (877) 837-5017 if you have questions or enrollment problems.
You may log on at any time to view or change your elections. To change your election(s) online, the cut-off date is the 15th of each month. Your new change will be effective with the following full month’s payroll deduction(s) taken for the subsequent month’s transit fare media.
- Changes made by October 15 would affect November payroll deductions used to purchase December transit media.
- Note that currency will not be returned if the ticket fare is less than the voucher amount and vending machines will not return change.
- You may check your account balance on your Chicago Card Plus, suspend your participation in the program, or report a lost card by calling (888) YOUR CTA or by visiting their website www.chicago-card.com.
- A minimum of three consecutive months is required before withdrawal. If you choose to withdraw from the program, please use the form on the Benefit Express website.
- The Chicago Card Plus portion of the Chicago Card Plus/I-GO card is a benefit that is deducted from your paycheck on a before-tax basis. However, I-GO membership fees and per-usage charges are not eligible for a pre-tax paycheck deduction, and are charged to a personal credit card you will be required to provide.
Transit Questions?
Please call Benefit Express at (877) 837-5017. Customer Service Representatives are available to assist you Monday through Friday between the hours of 7:30 a.m. and 6:00 p.m.
2.12.2013 Chicago Transit Authority, Metra/RTA and IRS Rates are subject to change.
