Benefits

UNC Charlotte provides a comprehensive benefits program designed to attract and retain high quality and diverse faculty and staff.

Ask Benefits

Employee Insurance Login:  eBenefits  

Contact for eBenefits questions/login assistance:  Enrollment & Eligibility Support Center at 855-859-0966.

 

Holidays:

Employee Holiday Schedule

 

COVID-19 Benefits Information

Families First Coronavirus Response Act (FFCRA)

Reference FFCRA for details.

State Health Plan

For Members on the 80/20 Plan, 70/30 Plan and High Deductible Health Plan:

The State Health Plan is waiving the cost of treatment for members diagnosed with COVID-19, including associated deductibles, copayments and coinsurance. The Plan previously announced that it was also covering the cost associated with the testing of COVID-19.

 The member cost-share waiver for COVID-19 related treatments is effective immediately through June 1, 2020, at which time the Plan will continue to re-evaluate this and other measures. 

 Prescription Medication Reminders:

  • Increased access to maintenance medications by waiving the early medication refill limits on 30-day prescription maintenance medications. Member cost-sharing will apply as normal.

  • Waived CVS home delivery charges for medications so members do not have to leave their homes to pick up their medications.

NC Flex

Commonly Asked Questions about COVID-19 and the Impact on the NCFlex Flexible Spending Accounts 

 

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Events/Education:

  • CAPTRUST
    • Estate planning -Gain valuable knowledge regarding your estate and planning for the future.
    • Date:  June 23, 2020 9:00 AM, Register here
  • Teachers and State Employees Retirement System (TSERS)
    • ​​Videos (example: How to make the most out of your retirement?)
  • Fidelity
    • Making the Most of your Savings (potential virtual session)

The importance of saving as much as possible for retirement. *How much to save for retirement and the benefits of saving more *Different account types you can use to save for retirement *Ways to preserve and grow your savings to last throughout your lifetime

Date: May 6, 2020 1:30 PMRegister here.

  • State Health Plan
    • Understanding Your Medical Plan Options When You Become Medicare-Eligible' Webinars Under Way
The State Health Plan is offering online informational webinars on “Understanding Your Medical Plan Options When You Become Medicare-Eligible.” These popular, free sessions are designed for active employees who will soon be 65, are already 65 or older, and retirees getting ready to turn 65.  Each session lasts approximately 2 hours and will explain important information regarding Medicare and your retirement health benefit options. Visit the website and click “Upcoming Events” and register soon for a time convenient to you, as space is limited.
  • Social Security - What You Need to Know (may be a virtual session)

Lisa Wallace, Public Affairs Specialist with the Social Security Administration, will present; Social Security - What You Need to Know. She will cover the following questions many people have regarding Social Security: When are you eligible to receive retirement benefits? • How does early retirement affect your benefits? • Do you qualify for disability, survivors, and spouse benefits? • How do you get the most from your benefit? • What is the future of Social Security? • When should you file for Medicare? Learn how to use my Social Security online account and other online services.

May 14, 2020 9:30 AM, Register here.

Estate planning basics - May 12 at 12 p.m. (ET)

Ensuring that our assets will pass to loved ones and causes that are near and dear is important to most of us. Discover the components of a basic estate plan and strategies to ensure that your wishes are met.

Start to Finish: The early career woman’s guide to financial wisdom - May 12 at 3 p.m. (ET)

When women are starting their careers, there’s a lot to consider—career goals, job satisfaction, achieving a work/life balance. But it’s important to also consider retirement. Discover how establishing a plan now can help establish your financial future.

Market proof your retirement - May 13 at 12 p.m. (ET) In retirement—and the years leading up to it—protecting your savings becomes just as important as growing it. Join us to learn how to create your own personal pension with TIAA Traditional, offered by Teachers Insurance and Annuity Association of America (TIAA).

Paying Yourself: Income options in retirement - May 13 at 3 p.m. (ET) Learn the rules that govern retirement assets and find out when to consider using different income sources.

The SECURE Act revealed - May 14 at 3 p.m. (ET)

The SECURE Act (Setting Every Community up for Retirement Enhancement Act) passed on December 20, 2019, made sweeping changes to the retirement plan landscape. Learn about the changes and how they impact your retirement planning considerations.

The 411 on 529 college savings plans - May 14 at 12 p.m. (ET) Learn how 529 college savings plans work and how to invest in one for a child, grandchild, yourself or other loved one.

See the full details on this months’ webinars

 

News

Voya Travel Assistance

If you have one of the NCFlex AD&D plans, Core or Voluntary, you and your dependents also have access to Voya Travel Assistance when traveling more than 100 miles from home.  Get pre-trip information, emergency personal services, medical assistance services and emergency transportation services.  Learn more and print information to keep with you when you travel.

Funeral Planning Services

Voya's Group Term Life Insurance through NCFlex also includes access to funeral planning services through Everest Funeral Package, LLC.  Funeral planning services allow employees to contact professionals who will help with funeral planning for themselves and eligible family members. This service helps you and your family prepare for and manage with all aspects of a funeral, easing the burden on you. Get more information to learn how to access this benefit.

Reminder– Social Security Number and Name Validation 

To meet Affordable Care Act reporting requirements, the name and social security number for you and your covered dependents must be accurate in the online state insurance system. Please follow the Directions to validate your social security number and name in the on-line state insurance system, and notify the Benefits Office at 704-687-8134 to report any discrepancies, or if you have questions. 

Supplemental Retirement Contribution Limits

(401k, 457, and 403b plans):

Age category 2019 2020
Under age 50: $19,000 $19,500
 Over age 50 catch-up: $6,000 $6,500

The 401k and 403b contributions are coordinated (combined total cannot exceed the maximum).  The 457 contributions are not coordinated with the 401k, nor 403b (total cannot exceed the maximum).  As an alternative to the age 50 catch-up, a participant in the 457 plan is eligible to defer up to twice the contribution limit in effect for the three years preceding the employee’s normal retirement age, subject to eligibility.  Contact the NC Total Retirement agent for more information. 

Reference Supplemental Retirement Plans for more detail.