Furman University is pleased to offer you a comprehensive benefits program. The goal of our benefits program is to provide benefit options that allow you to choose the coverage that best meets your needs and the needs of your family.
Insurance Benefits
ELIGIBLE EMPLOYEES: Employees will become eligible for benefits if they are working at least 30 hours per week for 39 weeks per year or more.
EFFECTIVE DATES: Benefits will become effective the 1st of the month following date of hire. If date of hire is on the 1st of the month, benefits are effective on the 1st of the same month in which the individual was hired.
ELIGIBLE DEPENDENTS:
1. Your lawful spouse
2. Your domestic partner (*See “Pre-tax Advantage” paragraph on page 5 of the Benefits Guide)
3. Any child of yours who is less than 26 years old or 26 or more years old and primarily supported by you and incapable of self-sustaining employment by reason of mental or physical disability, which arose while the child was covered as a dependent under this plan, or while covered as a dependent under a prior plan with no break in coverage.
The Health Advocacy Concierge benefit is a group of registered nurses, medical directors and other experts who support members with clinical concerns to help them make informed health care decisions. Faculty, staff, spouses / domestic partners, dependent children, parents and parents-in-law are eligible, regardless of coverage on the Furman Blue Cross Blue Shield plans.
Contact HealthAdvocate at: 866-695-8622
The Insurance Benefits Guide provides information about each benefit including not only medical, dental, and vision, but also life, AD&D, and disability insurance.
- Benefits Definitions
- Flu Shot Consent Form
- Workers’ Compensation Injury Report Form
- BCBS Health Claim Form
- Health Care Provider (HCP) Verification Form
- Off-Site Biometric Screening Form
- How to View Your Biometric Screening Results in MyChart
- MyChart Instructions for Covid Vaccine Scheduling
- Mobile Mammogram Patient Information Form
- Instructions for Scheduling Your Biometric Screening
- Summary Annual Report
You have the option of choosing between three different plans provided through Blue Cross Blue Shield. In addition, you have access to Telemedicine as a benefit of being enrolled in one of the medical plans. Furman and the employee share the cost of these plans.
- Medical Plan Comparison Sheet
- BCBS Plus Plan Summary of Benefits Coverage (SBC)
- BCBS Basic Plan Summary of Benefits Coverage (SBC)
- BCBS HDHP Summary of Benefits Coverage (SBC)
- BCBS Telemedicine [PDF]
- Furman University Wrap Plan Summary Plan Description
- Summary of Material Modifications to the Wrap Plan
- Furman University Cafeteria Plan and Flexible Spending Account Summary Plan Description
- How to create your BCBS My Health Toolkit online account
- My Health Toolkit Mobile App Demo
- My Health Toolkit video
- Patient Education Your Personal Preventive Care Guide
- Contact BCBS
- www.southcarolinablues.com
- (855) 819-0960
There are two dental insurance options provided through Unum. Both options cover preventative care as well as basic and major dental treatment. One option also includes orthodontia for dependent children. Dental insurance is funded by the employee.
Go to: www.unumdentalcare.com
First time users will need to go to the member portal to register with a username and password.
Group Dental Insurance Certificate of Coverage: Standard Plan
Group Dental Insurance Certificate of Coverage: Low Plan
- Contact Unum Dental
- www.unumdentalcare.com
- (888) 400-9304
Vision insurance is also provided by Unum. You will get great savings on your eye exam and eyewear, and discounts on laser vision correction. Vision insurance is funded by the employee.
Go to: www.EyeMedVisionCare.com/Unum
First time users will need to go to the member portal to register with a username and password.
Contact the Customer Care Center at (855) 652-8686.
Furman employees have the option of participating in a Flexible Spending Account for Medical and/or Dependent Care Expense Reimbursement. Payroll deductions for the FSA plans are subtracted from your gross income before taxes are calculated; therefore, reducing the tax amount on your paycheck. Enrollment in these plans takes place once a year (during November open enrollment) so employees can define their payroll deductions for the next calendar year.
- FSA Rollover FAQ [PDF]
- FSA Login – Flores 24/7
- (800) 532-3327
Furman employees enrolled in the HDHP medical plan have the option to contribute to their Health Savings Account to help pay for medical, dental, and vision costs with pre-tax earnings. Payroll deductions for the HSA plan are subtracted from your gross income before taxes are calculated; therefore, reducing the tax amount on your paycheck. Enrollment in these plans takes place once a year (during November) so employees can define their payroll deductions for the next calendar year.
As a part of enrolling in the HDHP medical coverage, Furman automatically contributes money (amount based on the coverage tier) to an employee’s HSA.
Contact Accrue Health: (800) 997-1654
Term life insurance equal to one and one-half times annual earnings rounded to the nearest $1,000 is provided for all benefit-eligible employees (maximum $400,000; minimum $5,000) through Unum. This term life includes Accidental Death & Dismemberment insurance coverage. AD&D insurance provides coverage in the event of an accident resulting in dismemberment or death. Dependent life insurance of $10,000 is available for the spouse of an employee and up to $10,000 for each dependent child, depending on the child’s age. Furman pays the premiums for the employee life policy. Furman and the employee share the cost of any dependent life coverage.
Optional term life insurance is available through Unum. The premium is based on the amount of coverage selected and the age of the insured. Term Life Insurance is funded by the employee.
The long-term disability benefit program is required for all benefit eligible employees. The monthly income benefit, including any income benefits payable from Social Security for the employee or dependents, Worker’s Compensation, and any disability benefits payable under any insurance or retirement plan sponsored by the University, is equal to 60 percent of the covered monthly salary as of the date the disability began (maximum $12,000 monthly). Monthly benefit payments begin after 90 calendar days of continuous total disability. Premiums are paid by the employee.
- Contact Unum
- www.unum.com
- (800) 421-0344
Short-term disability insurance is available to full-time staff. The plan will help provide financial security in the event of disability caused by injury, sickness, or pregnancy. The plan will provide coverage after seven consecutive days of approved absences with a doctor’s certification and will provide weekly payments for up to 13 weeks of disability. The plan provides a weekly income benefit equal to 60% of your base salary, up to a maximum weekly benefit of $1,000. Premiums are paid by the employee.
- Contact Unum
- www.unum.com
- (800) 421-0344
Voluntary benefits help reduce the employee’s financial impact. Premiums are paid by the employee.
- Accident Insurance
- Critical Illness
- Whole Life
- Hospital Indemnity
- Legal and Identity Theft
- Contact MetLife
- www.info.legalplans.com
- (800) 821-6400
- Contact MetLife
- Workers’ Compensation – compensation insurance will pay the employee’s medical bills and 100% of the salary as long as the employee’s disability continues. The entire premium is paid by the university.
- Employee Assistance Program (EAP) – includes counseling services, referrals and resources for work-life needs, as well as legal and financial information. Complimentary counseling services have been increased to six sessions per individual. The services are free, confidential, and available for employees and their families. For additional information call 866.799.2485 or download the PDF.
- Continuation of insurance coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA)