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Benefit Highlights for Residents

Effective 10/1/2019; all policies subject to change.

Rosalind Franklin University of Medicine and Science offers a choice of an HMO or PPO medical plan with a vision benefit, life insurance, and disability. The premium for these benefits is paid entirely by the university. The Flexible Spending and retirement plans are based on a contribution determined by the employee. The Flexible Spending, Superior Vision and dental insurance are paid by payroll deduction. Below is a brief description of these plans.

Medical Plans: Choose Between Traditional PPO and Blue Edge PPO with a Health Care Account (HCA)

    • You can see any qualified physician you choose (out of pocket cost increases when care is out of network)
    • Includes prescription and vision coverage
    • Annual deductible must be paid before benefits start
    • PPO annual deductible 
    • PPO Blue Edge annual deductible

Or choose Blue Cross Blue Shield HMO Illinois or HMO Blue Advantage

    • Includes prescription and vision coverage
    • All care must be coordinated by your BCBS HMO primary care physician or woman’s primary health care provider
    • With the exception of emergencies, all care must be provided by your chosen primary care physician
    • You must select your Primary Care Physician when you enroll (www.bcbsil.com)
    • No annual deductible/no co-insurance (copays apply)

PPO Dental Plan: Provided by Delta Dental (www.deltadentalil.com)

  • You can see any qualified dentist you choose (out of pocket cost increases when care is out of network)
  • $50 annual deductible/$1500 annual benefit
  • Two networks available to save you money. Choose “Delta Dental PPO” network for lowest fees

Vision Plan – Superior Vision:

  • Benefits through Superior National Network
  • Low co-pays for exams, materials, and contact lens fittings; additional discounts offered by some in-network providers

Short & Long-term Disability Insurance:

  • University paid short-term disability insurance provides up to 100% of weekly salary for covered claims
  • University paid long-term disability insurance provides up to 60% of weekly salary for covered claims
  • You must apply through Human Resources if you are unable to work because of accident, illness or pregnancy.

Life Insurance:

University paid life insurance equal to 1 ½ times annual salary (up to $50,000 limit)

Voluntary Life Insurance:

Allows the Resident to purchase between 1 and 5 times the base annual salary to protect your family’s financial security.

Flexible Spending Accounts (FSA):

  • Both Dependent and Medical FSAs are offered on a pre-tax basis
  • FSAs allow you to use pre-tax dollars to pay for eligible out of pocket medical expenses or dependent care expenses.

Retirement Plan – TIAA:

Effective immediately, residents may make unmatched contributions to a 403(b) Group Supplemental Retirement Tax Deferred Annuity plan through pre-tax and post-tax dollars.

Vacation and Sick Time:

Vacation and sick time are handled directly through your residency program. Vacation time allotted during the academic year is based upon time worked during the same academic year and cannot be carried over to a subsequent academic year. If vacation time is not used during the academic year in which it was accrued, it is subject to forfeiture. To learn more about your program’s leave policies, consult with the Director of your residency program.

The information on this sheet is provided as a summary of highlights of the various plans described and is subject to change. Specific details of each program are contained in the Plan Document. In the event of a discrepancy, the plan document will prevail.

Dependent Verification Documentation Requirements for the Medical, Dental, and Vision Insurance Plans

To add a dependent to your coverage, you must upload each dependent’s verification documents. Listed below are the documents that you must submit for each dependent you are adding to your coverage.
Note: You may cover up the financial information on the documents (such as your income, details on a bank statement, etc.).

For Spouse: Provide copies of the documentation listed below.

A copy of your state or county-issued marriage certificate plus one joint document.
Joint documentation is an item addressed to both parties and dated within the last three months. 
Examples of acceptable joint documentation: A joint household bill, or a household bill for the employee and one for the spouse with a current date and the same address or a joint bank/credit account or a joint mortgage/lease or insurance policies or the front page of your current filed federal tax return confirming your spouse as a dependent

For Domestic Partners: Provide copies of the documentation listed below.

Rosalind Franklin University’s “Affidavit of Domestic Partnership” form plus one joint document.
Joint documentation is an item addressed to both parties and dated within the last three months. 
Examples of acceptable joint documentation: A joint household bill, or a household bill for the employee and one for the spouse with a current date and the same address or a joint bank/credit account or a joint mortgage/lease or insurance policies or the front page of your current filed federal tax return confirming your spouse as a dependent

For Children:

A copy of the child’s birth certificate, naming you as the child’s parent, or appropriate court order/adoption decree naming you as the child’s legal guardian.

For Step Children: Provide copies of 2 forms of documentation listed below.

A copy of the child’s birth certificate, naming your spouse as the child’s parent, or appropriate court order/adoption decree naming your spouse as the child’s legal guardian.
AND
A copy of your state or county-issued marriage certificate. 
If the required documentation is not received within 30 days from your date of hire or Permitted Election Change Event, your dependent(s) will not be enrolled for coverage unless you can show that this documentation has been ordered and/or requested from a county or state agency

Please Note: If your dependent documentation is written in a language other than English, you MUST include a copy of an official translation of the document along with a copy of the document.