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Insurance

Critical Illness and Accident Protection (United HealthCare)

CRITICAL ILLNESS
Administered by: United HealthCare
Customer Service: 1-888-299-2070
Policy Number: 303972

2018 Annual Enrollment Information
2018 Annual Enrollment be held from October 1, 2017 - October 31, 2017 with changes being effective January 1, 2018.  Eligible employees and eligible dependents may enroll with "guaranteed issue" during the month of October 2017. That means eligible employees and dependents can enroll with no health questions asked!  All enrollments must be submitted in Workday by close of business on Tuesday, October 31, 2017. Please note that retirees are not eligible to enroll and this benefit can not be continued into retirement.

Critical Illness Coverage
This benefit is designed to protect you and your family's financial health. Critical Illness can help fill a financial gap if you or a family member experiences a service life-threatening illness such as cancer, a heart attack, and major organ transplant. Upon diagnosis of a covered illness, you can receive a lump sum benefit. Employees can elect coverage in the amount of $10,000 or $20,000. Spouses can be covered for 1/2 of the employee's covered amount.  The coverage options are: $5,000 or $10,000. Children can be covered for $2,500. Wellness benefits are offered too! The plan offers a $100 wellness benefit per year for health screening tests such as a mammogram, colonoscopy, Chest X-rays and more.

Learn about your Critical Illness Benefits
1) Read about it: View page 16 of the enrollment guide to learn about your benefits. Click here to view the guide.
2) Watch a brief video: Please click on the following link for a video presentation of the plan:
http://www.brainshark.com/UHCSB/LSU_CIPP

Premiums 
Premiums are age banded and increase with age. Premiums are found on page 16 of the enrollment guide.  Click here to view the guide. Premiums are deducted on a post-tax basis (not eligible for the Premiums Only Plan).

Employee Eligibility

Any active employee of LSUS is eligible for vision insurance provided the following:
Employed at 75% of full-time effort or greater (at least 30 hours per week);
Appointed for a duration of at least one semester or 121 days or greater

Dependent Eligibility

- The covered employee's legal spouse
- A child from the date of birth up to 26 years of age (regardless of student status or tax status)

Enrollment
New Hire: Employee and eligible dependents may enroll within the first 30 days of employment without medical underwriting. Benefits are effective on the first of the month following the first full month of employment.
After the first 30 days of employment, employees and eligible dependents may apply for coverage with medical underwriting. 

Claims
Claims File Deadline – Written Notice of a claim must be given to UHC by the Covered Person, or his authorized representative, within 30 days after the date of the Diagnosis of a Critical illness. If it is not possible, written notice must be given as soon as it is reasonably possible to do so. (Page 21 of attached Certificate of Coverage)

Certificate of Coverage
Click here for a sample Certificate of Coverage. The LSU System Certificate of Coverage will be uploaded upon receipt.

Terminating Employees
Insurance terminates on the last day of the month in which the person was employed.

Portability
This plan is eligible for Portability. Employees can take this coverage upon termination of employment. Portability paperwork must be received by United Healthcare within 31 days of termination. Click here for the Portability Form.  

ACCIDENT PROTECTION

Administered by: United HealthCare
Customer Service: 1-888-299-2070
Policy Number: 303972

Important Annual Enrollment Information:
2018 Annual Enrollment be held from October 1, 2017 - October 31, 2017 with changes being effective January 1, 2018. Employees who do not have coverage can enroll during annual enrollment. All changes must be submitted in Workday by close of business on Tuesday, October 31, 2017.

The Accident Protection Insurance
If an accident occurs, on or off of the job, you may be surprised at the expenses that add up. This insurance is designed to protect your finances by helping you pay for those unexpected costs associated with an accidental injurty. This benefit covers a wide range of common injuries and accidents. If you or a covered family member become injured, Accident protection will pay you a direct cash benefit. The amount of money you receive depends on the type and severity of the injury and can be used any way you choose.

Learn about your NEW Accident Protection Insurance Benefits
1) Read about it: View page 17 of the enrollment guide to learn about your benefits. Click here to view the guide.
2) Watch a brief video: Please click on the following link for a video presentation of the plan: http://www.brainshark.com/UHCSB/LSU_Accident

Premiums
Premiums are found on page 17 of the enrollment guide. Click here to view the guide. Premiums are deducted on a post-tax basis (not eligible for the Premiums Only Plan).

Eligibility

Any active employee of LSUS is eligible for life insurance provided the following:
Employed at 75% of full-time effort or greater (at least 30 hours per week);
Appointed for a duration of at least one semester or 121 days or greater

Dependent Eligibility
- The covered employee's legal spouse
- A child from the date of birth up to 26 years of age (regardless of student status or tax status)

Enrollment
New Hire:
May enroll within the first 30 days of employment.
Current employee: May enroll at any time without medical underwriting. Benefits are effective the first of the month following when enrollment form is signed.
Newly eligible employee or family member: May enroll at any time without medical underwriting. Benefits are effective the first of the month following when enrollment form is signed.
 
Claims
Claims File Deadline – Written notice of a claim must be given within 20 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. (Page 30 of the Certificate of Coverage)

Certificate of Coverage
Click here for a sample Certificate of Coverage. The LSU System Certificate of Coverage will be uploaded upon receipt.

Terminating Employment
If you leave LSU employment, your Accident Protection policy will end at the last day of the month in which you leave LSU. Retirees can not continue this benefit into retirement.

Portability
The Accident Protection Insurance is eligible for Portability upon termination of employment. The portability form must be submitted to United HealthCare within 31 days of the coverage termination. Click here for the Portability form.