Benefits for Current Employees
Employees are one of our greatest assets and because of this, the University strives to provide comprehensive benefits that help contribute to the work-life balance for all. Listed below is the detailed information related to the benefits available to current full-time employees of the university. In addition to the health benefits provided, you can also search information on medicare, educational opportunities, employee assistance program, and monthly news letter Focus on Wellness.
Benefits Available at SFU
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Health Insurance
UPMC Health Plan
Plan Information
UPMC Health Plan Enrollment Guide
UPMC Premium Network
UPMC Health Plan Extended Network
Spousal Surcharge
PPO Plan - with Out-of-Network Coverage
PPO Schedule of Benefits
PPO Summary of Benefits
PPO Enrollment/Change Form
PPO Benefit Rates Log in to My.Francis.edu is required
EPO Plan - NO Out-of-Network Coverage
EPO Schedule of Benefits
EPO Summary of Benefits
EPO Enrollment/Change Form
EPO Benefit Rates Log in to My.Francis.edu is required
Active & Fit DIRECT
General Information
Prescription Medication Rider
Glossary of Health Coverage and Medical Terms
Looking for a health care provider?
UMPC MyHealth 24/7
Your Health at Your Fingertips
Health Savings Account
UPMC Consumer Advantage health savings account Overview
UMPC Consumer Advantage HSA portal access
Limits for QHDHPs and HSAs
Your health savings account User Guide
HSA Salary Reduction Election Form
HSA Store
UPMC | ANYWHERE CARE
My Health@Work
Global emergency travel assistance
Frequently asked Questions
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Vision Insurance
Vision Benefits of America (VBA)
Accessing VBA Vision Benefits
Managed Vision Care Program
VBA Enrollment/Change Form
Affidavit (for dependents between the age of 19 to 25)
Vision Benefit Rates Log in to My.Francis.edu is required
Hearing Aids & Lasik
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Dental Insurance
Sun Life Insurance
Summary of Benefits
Find a Dental Provider/Digital Benefits Explorer
Why create a Sun Life account?
Dental Benefit Rates Log in to My.Francis.edu is required
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While Traveling
Assist America
Global emergency travel assistance services for members traveling more than 100 miles from home for less than 90 days.
Travel Assist
Finding Care
Out-of-Network Claim Form
Frequently Asked Questions
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Employee Assistance Program
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Life Insurance
Group Life Insurances provided by Saint Francis University to all full-time employees.
(for certificates only - log in to My.Francis.edu is required)
Voluntary Group Insurances (log in to My.Francis.edu is required)
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Short Term/Long Term Disability Insurances
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Retirement
Saint Francis University offers retirement benefits in the form of a defined contribution plan for employees administered through the Teachers Insurance Annuity Association (TIAA) and the University Retirement Equities Fund (CREF).
Eligibility
All current full time employees are eligible for participation in the plan immediately. All other newly hired employees must complete one year of service before becoming eligible to participate.
Matching Contributions
All full-time employees are eligible to receive a matching contribution. An employee who is not full time is entitled to a matching contribution upon completing 1000 hours of service, except for the following: adjunct faculty (who are defined as faculty who do not meet the definition of Full Time Faculty); graduate assistants; assistant coaches in all sports whose contracts are for a term of nine months or less; all students (whether or not performing services described in Code Section 3121(b)(10)); nonresident aliens with no U.S. source income; resident physical therapists, occupational therapists, physician assistants, or other health professionals employed by Saint Francis University or the DiSepio Institute for Rural Health and Wellness.
For those employees eligible to receive a matching contribution, Saint Francis University matches contributions under the following formula:
- Employee contribution of 5% or more but less than 6%; the employer match is 7%
- Employee contribution of 6% or more, the employer match is 8%
Contributions to the plan can be made on a pre-tax Deferral or as a Roth Deferral. The amount of your Compensation that you decide to defer into the Plan generally will be contributed on a pre-tax basis. That means that, unlike the compensation that you actually receive, the pre-tax contribution (and all of the earnings accumulated while it is invested in the Plan) will not be taxed at the time it is paid by the University. Instead, it will be taxable to you when you take a payout from the Plan. These contributions will reduce your taxable income each year that you make a contribution but will be treated as compensation for Social Security taxes.
You also have the choice of treating your Deferrals as Roth Deferrals rather than pre-tax Deferrals. Roth Deferrals are contributed to the Plan from amounts that have already been treated as taxable income. Roth Deferrals will not reduce your taxable income in the year in which you contribute a portion of your Compensation into the Plan.
Consult the summary plan description for a complete definition of includable and excludable contributions and compensation. Salary elective deferral forms can be accessed here.
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Thinking about Retirement? Turning 65?
- Social Security
- Medicare
- Apprise Medicare Program - PA Department of Aging
- The Health Insurance Place
Should I sign up for Medicare when I turn 65?
If you are working and covered under Saint Francis University’s health plan, you do not have to sign up for either Medicare Part A or B. Upon your retirement, you will be given a Special Enrollment Period to sign up for Medicare. At least, three months before you retire, you should contact Social Security Administration and start to sign up for Medicare Part A and B to make sure that there is not a gap in your health care coverage.
What about my spouse?
If you are working and your spouse is covered under your Saint Francis University health plan, then your spouse does not have to sign up for Medicare upon turning age 65. When you retire, your spouse will also be given a Special Enrollment period to sign up for Medicare.
What if I am receiving Social Security payments?
If you or your spouse have elected to start receiving Social Security payments, you will automatically be signed up for Medicare Part A upon turning age 65.
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Cornerstone's Participant News
Cornerstone provides newsletters on a quarterly basis.
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Pet Insurance
UPMC Health Plan
Plan Information
UPMC Health Plan Enrollment Guide
UPMC Premium Network
UPMC Health Plan Extended Network
Spousal Surcharge
PPO Plan - with Out-of-Network Coverage
PPO Schedule of Benefits
PPO Summary of Benefits
PPO Enrollment/Change Form
PPO Benefit Rates Log in to My.Francis.edu is required
EPO Plan - NO Out-of-Network Coverage
EPO Schedule of Benefits
EPO Summary of Benefits
EPO Enrollment/Change Form
EPO Benefit Rates Log in to My.Francis.edu is required
Active & Fit DIRECT
General Information
Prescription Medication Rider
Glossary of Health Coverage and Medical Terms
Looking for a health care provider?
UMPC MyHealth 24/7
Your Health at Your Fingertips
Health Savings Account
UPMC Consumer Advantage health savings account Overview
UMPC Consumer Advantage HSA portal access
Limits for QHDHPs and HSAs
Your health savings account User Guide
HSA Salary Reduction Election Form
HSA Store
UPMC | ANYWHERE CARE
My Health@Work
Global emergency travel assistance
Frequently asked Questions
Vision Benefits of America (VBA)
Accessing VBA Vision Benefits
Managed Vision Care Program
VBA Enrollment/Change Form
Affidavit (for dependents between the age of 19 to 25)
Vision Benefit Rates Log in to My.Francis.edu is required
Hearing Aids & Lasik
Sun Life Insurance
Summary of Benefits
Find a Dental Provider/Digital Benefits Explorer
Why create a Sun Life account?
Dental Benefit Rates Log in to My.Francis.edu is required
Assist America
Global emergency travel assistance services for members traveling more than 100 miles from home for less than 90 days.
Travel Assist
Finding Care
Out-of-Network Claim Form
Frequently Asked Questions
Group Life Insurances provided by Saint Francis University to all full-time employees.
(for certificates only - log in to My.Francis.edu is required)
Voluntary Group Insurances (log in to My.Francis.edu is required)
Saint Francis University offers retirement benefits in the form of a defined contribution plan for employees administered through the Teachers Insurance Annuity Association (TIAA) and the University Retirement Equities Fund (CREF).
Eligibility
All current full time employees are eligible for participation in the plan immediately. All other newly hired employees must complete one year of service before becoming eligible to participate.
Matching Contributions
All full-time employees are eligible to receive a matching contribution. An employee who is not full time is entitled to a matching contribution upon completing 1000 hours of service, except for the following: adjunct faculty (who are defined as faculty who do not meet the definition of Full Time Faculty); graduate assistants; assistant coaches in all sports whose contracts are for a term of nine months or less; all students (whether or not performing services described in Code Section 3121(b)(10)); nonresident aliens with no U.S. source income; resident physical therapists, occupational therapists, physician assistants, or other health professionals employed by Saint Francis University or the DiSepio Institute for Rural Health and Wellness.
For those employees eligible to receive a matching contribution, Saint Francis University matches contributions under the following formula:
- Employee contribution of 5% or more but less than 6%; the employer match is 7%
- Employee contribution of 6% or more, the employer match is 8%
Contributions to the plan can be made on a pre-tax Deferral or as a Roth Deferral. The amount of your Compensation that you decide to defer into the Plan generally will be contributed on a pre-tax basis. That means that, unlike the compensation that you actually receive, the pre-tax contribution (and all of the earnings accumulated while it is invested in the Plan) will not be taxed at the time it is paid by the University. Instead, it will be taxable to you when you take a payout from the Plan. These contributions will reduce your taxable income each year that you make a contribution but will be treated as compensation for Social Security taxes.
You also have the choice of treating your Deferrals as Roth Deferrals rather than pre-tax Deferrals. Roth Deferrals are contributed to the Plan from amounts that have already been treated as taxable income. Roth Deferrals will not reduce your taxable income in the year in which you contribute a portion of your Compensation into the Plan.
Consult the summary plan description for a complete definition of includable and excludable contributions and compensation. Salary elective deferral forms can be accessed here.
- Social Security
- Medicare
- Apprise Medicare Program - PA Department of Aging
- The Health Insurance Place
Should I sign up for Medicare when I turn 65?
If you are working and covered under Saint Francis University’s health plan, you do not have to sign up for either Medicare Part A or B. Upon your retirement, you will be given a Special Enrollment Period to sign up for Medicare. At least, three months before you retire, you should contact Social Security Administration and start to sign up for Medicare Part A and B to make sure that there is not a gap in your health care coverage.
What about my spouse?
If you are working and your spouse is covered under your Saint Francis University health plan, then your spouse does not have to sign up for Medicare upon turning age 65. When you retire, your spouse will also be given a Special Enrollment period to sign up for Medicare.
What if I am receiving Social Security payments?
If you or your spouse have elected to start receiving Social Security payments, you will automatically be signed up for Medicare Part A upon turning age 65.
Cornerstone provides newsletters on a quarterly basis.
