{"id":1409,"date":"2014-05-16T15:14:17","date_gmt":"2014-05-16T20:14:17","guid":{"rendered":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/?page_id=1409"},"modified":"2014-05-16T15:14:17","modified_gmt":"2014-05-16T20:14:17","slug":"4-20-insurance","status":"publish","type":"page","link":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/","title":{"rendered":"4.20. Insurance"},"content":{"rendered":"<p><a name=\"top\"><\/a><br \/>\n<a href=\"#4.20.1\">4.20.1 Hospitalization<\/a><\/p>\n<p><a href=\"#4.20.2\">4.20.2 Group Life Insurance<\/a><\/p>\n<p><a href=\"#4.20.3\">4.20.3 Other Insurance<\/a><\/p>\n<p><a name=\"4.20.1\"><\/a><\/p>\n<h3>4.20.1 Hospitalization<\/h3>\n<p>The University makes available to all full\u2013time employees hospitalization insurance under the state contract, and the state pays a percentage of the premiums. The University also makes available to all eligible employees HMO hospitalization insurance, also under state contract, and the state pays a portion of those premiums. When an employee becomes eligible for hospitalization insurance, he or she should contact the Controller&#8217;s Office to complete enrollment forms. Payroll deductions are made for the employee&#8217;s share of the premium.<\/p>\n<p>Participation by each member of the staff in university hospitalization plans and\/or group life insurance is optional.<\/p>\n<p><a href=\"#top\">Back to Top<\/a><\/p>\n<p><a name=\"4.20.2\"><\/a><\/p>\n<h3>4.20.2 Group Life Insurance<\/h3>\n<p>All full\u2013time employees are entitled to group life insurance through a state contract. The state pays 50 percent of the cost of this coverage for this employee. The employee pays 100 percent of the cost for dependent life coverage. The face life amount of insurance for employee and dependents varies; therefore, each employee will be presented this information by the Controller&#8217;s Office. Payroll deductions are made for the employee&#8217;s share of the premium.<\/p>\n<p><a href=\"#top\">Back to Top<\/a><\/p>\n<p><a name=\"4.20.3\"><\/a><\/p>\n<h3>4.20.3 Other Insurance<\/h3>\n<p>There are various types of additional insurance offered to full\u2013time employees. These consist of cancer, intensive care, dental, disability and annuities. The employee pays 100 percent of the cost for all of these. Group insurance for any employee on leave without pay may be continued for a period of one year only, during which time the employee pays the full premium on a monthly basis.<\/p>\n<p>Group insurance for any employee who voluntarily resigns can be continued under the COBRA benefits for a period of 18 months providing the plan member pays the COBRA premium each month. Additional information can be obtained in the Controller&#8217;s Office.<\/p>\n<p>When an employee is eligible for retirement, the hospitalization and life insurance may be continued under the same conditions as during his or her employment.<\/p>\n<p>Employees or retirees who reach age 65 are able to retain 75 percent of the amount of life insurance for which they were previously eligible. Employees or retirees who reach age 70 are able to retain 50 percent of the amount of life insurance for which they were eligible prior to age 65. Employees who remain actively employed after age 65 continue to be eligible for the same health benefits for which they were eligible prior to age 65.<\/p>\n<p>When an employee or retiree reaches age 70, all AD and D (Accidental Death and Dismemberment) benefits are terminated.<\/p>\n<p><a href=\"#top\">Back to Top<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h5>Changes to Section of Manual<\/h5>\n<table class=\"table-defaults table-lines-vertical table-lines-horizontal table-header-red table-border-black\" style=\"width: 644px;height: 52px\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<th width=\"22%\">Section<\/th>\n<th width=\"22%\">Effective Date<\/th>\n<th width=\"20%\">Origin<\/th>\n<th width=\"22%\">Change Form<\/th>\n<\/tr>\n<tr>\n<td style=\"text-align: center\">N\/A<\/td>\n<td><\/td>\n<td style=\"text-align: center\"><\/td>\n<td style=\"text-align: center\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>4.20.1 Hospitalization 4.20.2 Group Life Insurance 4.20.3 Other Insurance 4.20.1 Hospitalization The University makes available to all full\u2013time employees hospitalization insurance under the state contract, and the state pays a percentage of the premiums. The University also makes available to all eligible employees HMO hospitalization insurance, also under state contract, and the state pays a [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":1356,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1409","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4.20. Insurance - Policy and Procedure Manual<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4.20. Insurance - Policy and Procedure Manual\" \/>\n<meta property=\"og:description\" content=\"4.20.1 Hospitalization 4.20.2 Group Life Insurance 4.20.3 Other Insurance 4.20.1 Hospitalization The University makes available to all full\u2013time employees hospitalization insurance under the state contract, and the state pays a percentage of the premiums. The University also makes available to all eligible employees HMO hospitalization insurance, also under state contract, and the state pays a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Policy and Procedure Manual\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/\",\"url\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/\",\"name\":\"4.20. Insurance - Policy and Procedure Manual\",\"isPartOf\":{\"@id\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/#website\"},\"datePublished\":\"2014-05-16T20:14:17+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"4. Civil Service Employee Policies\",\"item\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"4.20. Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/#website\",\"url\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/\",\"name\":\"Policy and Procedure Manual\",\"description\":\"Just another Nicholls State University site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.nicholls.edu\/policy-procedure-manual\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"4.20. Insurance - Policy and Procedure Manual","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/","og_locale":"en_US","og_type":"article","og_title":"4.20. Insurance - Policy and Procedure Manual","og_description":"4.20.1 Hospitalization 4.20.2 Group Life Insurance 4.20.3 Other Insurance 4.20.1 Hospitalization The University makes available to all full\u2013time employees hospitalization insurance under the state contract, and the state pays a percentage of the premiums. The University also makes available to all eligible employees HMO hospitalization insurance, also under state contract, and the state pays a [&hellip;]","og_url":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/","og_site_name":"Policy and Procedure Manual","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/","url":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/","name":"4.20. Insurance - Policy and Procedure Manual","isPartOf":{"@id":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/#website"},"datePublished":"2014-05-16T20:14:17+00:00","breadcrumb":{"@id":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/4-20-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/"},{"@type":"ListItem","position":2,"name":"4. Civil Service Employee Policies","item":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/4-civil-service-employee-policies\/"},{"@type":"ListItem","position":3,"name":"4.20. Insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/#website","url":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/","name":"Policy and Procedure Manual","description":"Just another Nicholls State University site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/wp-json\/wp\/v2\/pages\/1409","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/wp-json\/wp\/v2\/comments?post=1409"}],"version-history":[{"count":0,"href":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/wp-json\/wp\/v2\/pages\/1409\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/wp-json\/wp\/v2\/pages\/1356"}],"wp:attachment":[{"href":"https:\/\/www.nicholls.edu\/policy-procedure-manual\/wp-json\/wp\/v2\/media?parent=1409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}