Benefits Summaries for Prospective Employees

Valid January 1, 2022, through December 31, 2022. 

Am I Eligible?

You are eligible for benefits if all three criteria are met:

  1. You have been appointed to an eligible job classification,
  2. Your appointment is 50% time or greater, and
  3. Your appointment will last for three months or longer.

Learn more about family member eligibility and how to sign up. The following benefits are available for employees who meet the eligibility standards above, unless noted otherwise.

Health Benefits Options

  • Coverage is available to you, your legal spouse, and your dependent children.
  • You have up to 30 days from your first day of employment to make your online benefit election for:
    • medical
    • dental
    • additional life insurance
    • short-term disability
    • long-term disability
    • flexible spending accounts (health care and dependent care) 
  • Any benefits elected are effective on the first day of the month following your first day of employment.

Medical Plan Options

  • The University offers five medical plan options with the same set of covered benefits. Each plan has different copayments, deductibles, rates, and provider networks. 
  • To learn more about the plans, visit the Medica Plan Options page.

Biweekly Pre-tax Rate Contributions


75% to 100% Time Appointment

The University of Minnesota pays toward the cost of employee-only and family coverage for the base plan in your geographic region. For other plans, rates include the additional cost of that plan. Rates for employee-only coverage range from $29.06 to $132.92 per pay period. There are two rate tiers for family coverage. 
 

50% to 74% Time Appointment

You pay the full cost of employee-only or family coverage. Rates for employee-only coverage range from $351.54 to $455.40 per pay period. There are two rate tiers for family coverage. 

Pharmacy Benefits 

You are automatically enrolled in the Prime Therapeutics prescription drug program and Fairview Specialty Pharmacy with your medical plan selection.

Wellbeing Program 

The Wellbeing Program designs and delivers programs to support wellbeing at work and in the home. If you and your dependents are enrolled in the medical plan, you are encouraged to participate in wellbeing activities to promote health and prevent disease. You can earn wellbeing points to offset the cost of your medical rate contribution. When you earn the required number of points for your coverage tier by the August 31, 2022, deadline, your medical plan rates will be reduced by $500 or $750 in 2023.
 

Dental Plan Options

The plans provide in-network preventive care at 100% coverage and comprehensive coverage for most conditions requiring dental diagnosis and treatment, including orthodontic treatment for children. 

  • Delta Dental Premier (base plan for Greater Minnesota) 
  • Delta Dental PPO (base plan for Twin Cities and Duluth) 

Biweekly Pre-tax Rate Contributions


75% to 100% Time Appointment

The University of Minnesota pays toward the cost of employee-only coverage and family coverage for the base plan in your geographic region. For other plans, rates include the additional cost of that plan. Rates for employee-only coverage range from $2.08 to $6.00 per pay period. There are two rate tiers for family coverage.

50% to 74% Time Appointment

You pay the full cost of employee-only or family coverage. Rates for employee-only coverage range from $17.36 to $21.28 per pay period. There are two rate tiers for family coverage.

Primary Retirement Plan Benefits


Civil Service & Non-faculty Labor Represented Staff

Civil Service and non-faculty labor represented employees are covered by the Minnesota State Retirement System (MSRS), a defined benefit pension plan. Participation is mandatory and begins from the first day of employment. There is no waiting period. Retirement deductions are 6% of total salary and are paid into the Retirement Fund. 

This money is credited to the employee’s individual MSRS account and is tax-sheltered from both federal and state income tax. The employer contribution—6.25% of total salary—is not credited to individual accounts. It is used to help pay the monthly annuities and benefits received from the Retirement Fund. Rates are subject to change by the Legislature.

Faculty and P&A Staff

All faculty plus Academic Professionals and Administrative (P&A) staff members employees meeting the Faculty Retirement Plan eligibility requirements participate in the Faculty Retirement Plan, a 401(a) contribution plan, upon hire. Contributions are tax-deferred and vested immediately. The employee’s required contribution is 5.5% of the covered annual salary. The University contributes 10% of the covered annual salary.

Additional Benefits

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Life Insurance

The amount of employee basic term life insurance is 115% of your part-time salary rounded up to the next higher $1,000 with a maximum of $200,000. You pay the cost of the premium. The life insurance is provided through Securian. You may purchase additional life insurance for yourself, your spouse, and your children.

Healthcare & Dependent Care Flexible Spending Accounts

The University offers two pre-tax flexible spending accounts. The annual election maximum is $2,750 for the Health Care FSA per employee. The Dependent Care FSA annual election maximum is $5,000 per household. You can pay for eligible out-of-pocket health expenses and dependent care expenses with before-tax dollars that are withheld from your paycheck before federal, state, and Social Security taxes are taken.

Disability

Short-term Disability Insurance

You may apply for short-term disability insurance to replace up to 66.67% of your salary but no more than $5,000 per month. The cost is based on the amount of coverage you select. Short-term disability is offered as a voluntary coverage and is administered by Unum.

Long-term Disability Insurance

You may apply for long-term disability insurance to replace up to 60% of your monthly gross salary but no more than $5,000 per month. The cost is based on the amount of coverage you select. Long-term disability is offered as a voluntary coverage and is administered by Unum.

This coverage is not available to you if you are a faculty or academic professional and administrative (P&A) staff member who works at least 67% time in an appointment of at least nine months in duration. You are covered by the Academic Disability Program (see below). 

Academic Disability Program

The University of Minnesota provides paid medical leave and long-term disability benefits at no cost to employees meeting the Faculty Retirement Plan eligibility requirements who are unable to perform their work duties due to a certified mental or physical health condition. These benefits are under the Academic Disability Program and administered by Unum.

Faculty and academic professional and administrative (P&A) staff members who work 50% or more in appointment but less than 67% are eligible for Long-term Disability Insurance (see above). 

Voluntary Retirement Plans

The University offers the Optional Retirement Plan (ORP) and the Section 457 Deferred Compensation Plan (457)—both with Fidelity as the recordkeeper—if you wish to increase the amount you are saving for retirement. You may contribute to one or both of these plans each year up to the amounts allowed under federal limits. In 2022, the limits are $20,500 for employees under age 50 and $27,000 for employees age 50 and older.

In the ORP and 457 plans, you may elect a pre-tax contribution amount, which means you pay no federal or state income taxes on the money you put into the plans or on any investment gains until you withdraw funds. And because your contributions are tax deferred, you reduce your taxable income and pay less in taxes on your take-home pay. You may also choose to elect an after-tax Roth contribution to the ORP. Roth contributions grow tax-free and there is no income tax liability when qualified distributions are taken. You can increase or decrease your contributions at any time. You may also discontinue contributions at any time and restart them at a future date.

Regents Scholarship (for 75% to 100% Time Appointment)

The Regents Scholarship Program provides free or reduced tuition for classes you take at the University of Minnesota for professional development or to continue your education. The Regents Scholarship can be used for undergraduate classes, graduate school, or post baccalaureate professional course credits, including thesis credits. The portion of tuition covered by the scholarship depends on your current education level. The Regents Scholarship Program policy page has more about eligibility, covered costs, and how to apply.

Note that this benefit is only available to employees with 75% to 100% time appointment.

Vacations & Leaves

The University is dedicated to helping you find balance between your work and personal life. Vacations and other types of leaves of absences are part of how we help you do that.

For details about each of these leaves, including eligibility, check your employee group governance document and the administrative policies for leaves.

Questions?

Health Benefits Workshops are available to new employees who would like to learn more about benefits options, ask questions, and get assistance before enrolling online. Learn more and sign up at z.umn.edu/benefitsevents

Benefits Summaries for Prospective Employees

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2022 Enrollment Guide for New Employees

2021 Enrollment Guide for New Employees