Naropa University Employee Benefits

Naropa University provides a benefits package available to all full-time, regular faculty and staff employees of the university. In addition, benefits-eligible faculty and staff may purchase some benefit plans for their qualified dependents. 

Eligibility Definition for Benefit Plans

Participation in Naropa's benefit plans is available to base-budgeted staff working 32 hours per week or more and faculty with an 80% or greater position. Exception: Base-budgeted faculty and staff hired before December 1, 2005 and enrolled in benefits on-going are "grandfathered" into the eligibility definition and may continue their benefits.

Employees in base-budgeted positions of 20-31 hours per week are eligible for life and long-term disability insurance only.

Effective January 1, 2009: Grandfathering eligibility ends at the time an employee drops their medical, dental and/or vision plan or has terminated employment.

Dependent Children: Effective January 1, 2010, dependent children are covered until the last day of the month in which they turn age 25 regardless of student status.

You may enroll your eligible dependents in the university benefit plans if they meet the following criteria. Eligible dependents are:

• Your spouse, common-law spouse (must complete affidavit), or same gender domestic partner (SGDP - must complete affidavit).
• Your, your spouse's or your SGDP's unmarried children including legally adopted children, children placed with you for adoption, and stepchildren. Each child must be either a:
  • Dependent child through age 24
  • Covered child who becomes disabled before reaching the age limits

Benefit plans include the following:

• Group Medical Plan
• Group Dental Plans
• Group Vision Plan
• Group Term Life/AD&D Plan
• Group Voluntary Term Life Plans
• Flexible Spending Accounts:
• Health Care Flexible Spending Account
• Dependent Care Flexible Spending Account
• Health Savings Account (HSA)
• HSA and Flexible Spending Accounts Comparison Chart
• Long-Term Disability Insurance (LTD)
• Group Supplemental Retirement Plan
• Employee Assistance Program (EAP)
• RTD Eco Pass
• Group discounts at Mandala Integrative Medicine Clinic
• “Time Off” Benefits
• Tuition Benefits
• AFLAC Plans

Kaiser Contact Information:

• Group Number: 31519
• Member Services: 303-338-3800
• Web Site: www.kp.org
• In-network provider directory available on web site.
• Network providers are located in the Denver-Boulder area only.
• Can elect medical without electing dental coverage.

Medical Plan:

Kaiser HMO Medical Plan—HSA (Health Savings Account) Qualified HDHP (High Deductible Health Plan)

• IMPORTANT: If you enroll in more than single coverage, family deductibles apply first.
• Preventive care not subject to deductible.
• HSA Qualified. By enrolling in this plan, you may also establish a Health Savings Account (HSA).  See HSA information below.

1. Two plans available and administered by Reliance Standard Life Insurance Company:
   • Low Option (PPO) Plan
   • High Option (PPO) Plan
2. Reliance Contact Information:
   • Group Number: 365125
   • Member Services: 1-800-497-7077
   • Website: www.reliancestandard.com
3. Dental Benefits
   • Can find in-network provider directory on web site.
   • You receive a higher benefit when using in-network providers.
   • Can elect dental without electing medical coverage.
   • In and out-of-network benefit.
   • Preventive services not subject to deductible.

Below is a brief overview of the Reliance Standard Life Insurance Company Dental Plans In-Network Coverage only.

Administered by VSP:

1. Contact Information:
   • Group Number: 16746
   • Member Services: 1-800-877-7195
   • Website: www.vsp.com
2.  Vision benefits include:
   • Can find VSP provider directory on web site.
   • You receive a higher benefit when using in-network providers.
   • Exam: $20 co-pay
   • Materials: $20 co-pay
   • Once every 12 months

Group Life & AD&D Insurance Plans:

• Two Plans: Basic Term Life/AD&D & Voluntary Term Life
• You are automatically enrolled in $10,000 Basic Term Life/AD&D.
• Your cost is $2.30 per month.
• You may purchase additional term life insurance up to the Guranteed Issue (GI) amounts for you and your spouse/partner without providing medical information. Rates are age-rated and you will pay the age-rated amount on voluntary life insurance. If you wish to purchase more than the GI amounts, you must complete the medical history statement.
• Premium for up to $40,000 of coverage is pre-tax, amounts greater will be post-tax.
• Remember to list your beneficiaries.

1. Contributions are pre-tax.
2. Must re-enroll every open enrollment for the next plan year.
3. $10/month minimum contribution.
4. If you do not use all funds in the calendar year, remaining amounts are forfeited.
5. Two plans available:

• Health Care Flexible Spending Account (HCFSA) - $6,000 Plan Year Maximum.
• Dependent Care Flexible Spending Account (DCFSA) - $5,000 Plan Year Maximum.

1. Must be enrolled in the Kaiser Medical Plan, a High Deductible Health Plan (HDHP).
2. Can contribute up to $3,000 for single coverage and $5,950 for greater than single coverage in 2010. Catch-up contribution for age 55 and above is $1000. Amounts may be adjusted annually.
3. Contributions are pre-tax.
4. Use contributions for qualified medical/dental expenses.
5. Review HSA flyer at www.treas.gov
6. Health Savings Accounts are available through Elevations Credit Union.
7. $25 per month is the minimum deposit.
8. IMPORANT: Set account up to be effective with your Kaiser HMO medical plan. Cannot submit expenses that occur prior to the effective date of account set-up.

LONG-TERM DISABILITY (LTD)

You are automatically enrolled in the long-term disability income-replacement benefit plan.

The plan has a benefit that pays in the event you become disabled from a non-work-related injury or sickness. Naropa pays the full cost of the coverage for eligible employees. 

Following is a brief overview of the LTD Plan benefit:

Naropa provides an Employee Assistance/Work-Life Program (EAP) that is a voluntary, confidential service providing professional counseling and referral services designed to help employees with personal, job or family related issues. The EAP can help you and your dependent family members identify, resolve and gain control over personal problems that may be interfering with work and daily life.

GSRA Plan Information:

1. You are automatically enrolled in Social Security (6.2%) and Medicare Tax (1.45%).
2. You may elect to enroll in the Group Supplemental Retirement Plan (GSRA) – 403(b) administered by TIAA-CREF.
3. Catch-up provision available.
   

Provided to full-time staff and faculty. RTD fee to Denver International Airport for all Eco Pass holders is $5 for the SkyRide.

The Mandala Integrative Medicine Clinic provides quality integrative medicine to the Boulder community. Naropa University has partnered with Mandala to offer all University staff, faculty, adjunct faculty and family members discounts on all services. Under your Mandala Health Plan you are eligible to have ongoing $50 massages. You are also eligible to receive 15% off all services, including acupuncture and Chinese medicine, naturopathic medicine, nutrition and health counseling, bodywork, Yoga, life coaching, homeopathy, Western herbalism and allergy elimination.

Each year many of Naropa’s staff and faculty members take advantage of our tuition remission benefits. Whether it is to take a class for audit or to complete a degree program, Naropa encourages its employees to experience the classroom for themselves through academic courses.

Many tuition remission benefits are also provided for employees’ spouses/partners and children. The amount and type depends on the employee’s status and years of service.

Naropa provides group rates for the following employee-paid AFLAC Plans:

• Personal Cancer Indemnity Plan
• Hospitalization Indemnity Plan
• Short-Term Disability (STD)—Personal Disability Income Protector
• Personal Accident Indemnity Plan
• Personal Cancer Indemnity

1. Enroll direct with AFLAC Associate.
2. Contact information available through Human Resources.