Naropa University Employee Benefits

Naropa University provides a benefits package to all eligible 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.

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

Employees in base-budgeted positions of 20–31 hours per week are eligible for Naropa's DC Retirement Plan and Accidental Death and Dismemberment Insurance for life, and short-term and long-term disability insurance plans only.

Dependent Children: Dependent children are eligible for coverage up to age 26 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 25
  • Covered child who becomes disabled before reaching the age limits

Enrollment Highlights:

1. Effective date for benefits plans is the first of the month following the eligibility/hire date.
2. Benefits are paid for in advance of coverage.

Please review the following brief descriptions of the Benefit Plans:

• Group Medical Plans
• Group Dental Plan
• Group Vision Plan
• Group Term Life/AD&D Insurance Plans
• Flexible Spending Accounts  (FSA)
• Health Care Flexible Spending Account (HCFSA)
• Dependent Care Flexible Spending Account (DCFSA)
• Health Savings Account (HSA)
• HSA and Flexible Spending Accounts Comparison Chart
• Group Disability Plans
• Retirement Plan
• Employee Assistance Program (EAP)
• RTD Eco Pass
• Mandala Integrative Medicine Clinic
• Personal (PTO)
• Tuition Benefits
• AFLAC Plans

GROUP MEDICAL PLANS

Kaiser - Two Plans Available:

1. Kaiser HMO Medical Plan (Plan 610)
2. Kaiser HSA Medical Plan (Plan HD8N)

Kaiser Contact Information:

• Group Number: 31519
• Member Services: 303-338-3800
• Web Site: www.kp.org
• Must live in the Kaiser Denver Metro / Boulder service area.
• In-network provider directory available on web site.

• Network providers are located in the Denver-Boulder area.
• Can elect medical without electing dental or vision coverage.

1.  Kaiser HMO Medical Plan (Plan 610) Overview

2. Kaiser HSA (Health Savings Account) Medical Plan—A Qualified High Deductible Health Plan (HDHP) (Plan HD8N) Overview

• IMPORTANT: If you enroll in more than single coverage, family deductibles apply first.
• HSA Qualified. By enrolling in this plan, you may also establish a Health Savings Account (HSA).  See HSA information below.

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GROUP DENTAL PLAN

Administered by Delta Dental of Colorado:

• Group Number: 9760
• Member Services: 303.741.9305 or 800.610.0201
• Website: www.deltadentalco.com
• Provider Directory available on web site
• Receive a higher benefit by using PPO providers

GROUP TERM LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE PLANS

 1. Group Basic Term Life/AD&D Insurance Plans

• Administered by Unum Life Insurance Company of America
• Policy Number: 951213
• You are automatically enrolled in $50,000 Basic Term Life/AD&D at no cost.
• Remember to list your beneficiaries.
• Conversion options are available upon termination of employment.

2. Group Voluntary Term Life and/or AD&D Insurance Plans

• Administered by Unum Life Insurance Company of America
• Policy Number: 951213
• You may purchase Voluntary Term Life and/or AD&D Insurance in increments of $10,000 for you and your spouse/partner.
• You may purchase up to $150,000 on yourself or up to $30,000 on your spouse/ partner without aswering medical questions within 31 days of elegibility
• You may purchase coverage for eligible dependent children.
• Remember to list your beneficiaries.
• Conversion options are available upon termination of employment.

Voluntary Life Insurance Rates

EXAMPLE:  Age 43 with $50,000.00 of coverage would be $1.14×5 = $5.70/month.

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 HSA Medical Plan - HD8N Plan - a High Deductible Health Plan (HDHP).
2. Can contribute up to $3,050 for single coverage and $6150 for greater than single coverage in 2011. 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 information at www.treas.gov
6. Health Savings Accounts are available through Elevations Credit Union.
7. $25 minimum deposit and set-up fees are waived for Naropa employees.
8. IMPORANT: Set account up to be effective with your Kaiser HSA medical plan. Cannot submit expenses that occur prior to the effective date of account set-up.

GROUP DISABILITY PLANS

1. SHORT-TERM DISABILITY (STD)

2. LONG-TERM DISABILITY (LTD)

• You are automatically enrolled
• The plans have 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 plan benefits:

RETIREMENT:

Defined Contribution (DC) Retirement Plan

Naropa provides a DC plan administered by Teachers Insurance and Annuity Association – College Retirement Equities Fund (TIAA-CREF) for all employees.  Eligible emplyees will receive a match of up to 5%.  You may enroll on your hire date or any month you wish by the 15th of each month, and eligible employees will receive the match immediately.

You may add additional dollars over the 5% up to the IRS maximum amount contributable and make changes to your elections at any time.  A catch-up provision is also available for employees 50 years of age or older.

EMPLOYEE ASSISTANCE PROGRAM (EAP)

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.

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 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 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.