Benefits
The University of Tennessee at Chattanooga offers a competitive employee benefits package. Regular employees with less than 100% effort may view benefits based upon percent of effort.
- What's New?
Learn about recent changes, including important deadlines. - Insurance
Information about health, dental, life, accident, long term disability, long term care. - Life Events
Resources for different stages of life. - Retirement
Selecting a retirement plan, planning for retirement, insurance coverage into retirement. - Saving
Participate in flexible benefits, tax deferred income plans, Roth 401k, US Savings Bonds. - Time Off from Work
Policies governing leave time. - Wellness
Services, activities, and programs promoting your health and well being. - Other Benefits
Additional services and discounts available to staff and faculty.
What's New?
March is EAP Awareness Month! (3/1/10) 
The Employee Assistance Program (EAP) is a consultation service for employees and their eligible dependents who may be experiencing personal or work place problems. Read MORE...
Your Health Network Newsletter (1/19/10)
A newsletter for state group insurance program participants.
Adding a Dependent to Insurance - dependent eligibility verification documents required (10/13/09)
Enhanced Flu Benefits (10/13/09)
Effective immediately (1) You can get your seasonal flu, H1N1 and pneumococcal (pneumonia) vaccines without having to meet your deductible or paying coinsurance or copays (2) The health plans will now pay for vaccines regardless of whether you receive them from a pharmacist or at your doctor's office and (3) The copays for the critical flu-related prescription drugs will now be lower - only $25.00 - with a prescription from your doctor. You can get additional information from your insurance carrier (i.e., BlueCross BlueShield of Tennessee, Cigna, and United HealthCare) about where you can get your flu and other important vaccines. If you have already had your flu shots or flu medication, please check with your insurance carrier about reimbursement.
Health Insurance Premiums Holidays (10/15/09)
The State Insurance Committee at their last meeting approved a 6 percent increase in the medical premium to be effective for plan year 2010. Additionally, the Committee approved two medical premium holidays. As a result of this decision, the medical portion of your group insurance premium will not be deducted from your December 2009 and January 2010 paychecks. This will not affect your insurance coverage. The premium for your life insurance coverage included in the basic health plan and premiums related to any other optional plan will continue to be deducted from your paycheck. Your group insurance medical premium including the 6 percent increase will be deducted from your February 2010 and following paychecks. The medical portion of your group insurance premium is listed at http://insurance.tennessee.edu/medpremium.htm.
Personalized Summary of Insurance Coverage and Personal Benefits Statement (10/15/09)
You can now access your personalized summary of insurance coverage on-line. Log onto the UT Administrative Portal, using the same Net ID/password to access your pay statement.
Insurance
Enrollment
Eligible employees may participate in the Group Insurance Program. By not enrolling when first eligible, employees will only be able to apply for health coverage at a later date by one of two methods, Late Applicant Procedure or Life Qualifying Event.
Dependents Eligible for Insurance
Which family members are considered dependents and documentation required for verification.
Changes to Coverage
Can be made during Annual Enrollment Transfer Period (October 15 - November 15), with an effective date of January 1.
Insurance Guidelines During Leave of Absence
Guidelines for cancelling or continuing insurance during a leave of absence.
Insurance Plans
- Basic Term Life and Basic Accidental Death & Dismemberment
- Health
- Blue Cross/Blue Shield (Preferred Provider Organization or PPO)
- Cigna HealthCare (Point of Service or POS)
- United HealthCare (Health Maintenance Organization or HMO)
- Dental
- Long Term Disability
Income protection if you become disabled from a sickness, pregnancy, or accidental bodily injury. - Optional Life
Term Life offers a death benefit only. Universal Life offers a death benefit, cash accumulation, loan provision, and a paid-up policy feature. - Optional Special Accident
Death benefits in the event of an accidental death or compensation if the loss of one or more limbs is the result of an accident. - Long Term Care
Covers services associated with daily activities of living to help you keep your independence and stay in control of your care.
Life Events
- Adoption, Birth of a Child, Marriage
A life qualifying event allowing you to enroll a dependent in the University's group insurance program. - Address Change
How to change your address and/or phone number with Human Resources and online Faculty/Staff directory. - Employee Assistance Program (EAP)
Resources to manage work/life issues. - Family & Medical Leave
Job-protected leave to eligible employees for certain family and medical reasons. - When UT Employment Ends
What happens to your benefits when you leave the University.- COBRA
Federal law allowing eligible employees and/or dependents who are losing health or dental benefits to continue coverage.
- COBRA
Retirement
- Retirement Plans
- TN Consolidated Retirement System (TCRS)
A defined benefit pension plan for non-exempt staff; faculty and exempt staff, if selected. - Optional Retirement Program (ORP)
A defined contribution retirement plan for faculty and exempt staff, if selected, offering three investment companies:
- TN Consolidated Retirement System (TCRS)
- When UT Employment Ends
What happens to your benefits when you leave the University. - Insurance during Retirement
Eligibility rules for continuing insurance coverage for you and your dependents into retirement.- Retiree Insurance
Group medical insurance coverage for you and your dependents until Medicare eligible.- 2010 Retiree Insurance Monthly Premium (below age 65)
- Tennessee Plan
Medicare Supplement (age 65 and over) that helps fill helps fill most of the coverage gaps that Medicare creates.- 2010 Tennessee Plan Monthly Premium (age 65 and over)
- Retiree Insurance
Saving
- Chattanooga Area Schools Credit Union
Services offered include savings, loans, free checking through First TN Bank, etc. - Flexible Benefits Plans
Set aside a portion of your income, excluded from Federal Income and Social Security taxes, by contributing to a medical and/or dependent care reimbursement account. - Roth 401k
Contributions are made through payroll deduction with after-tax dollars. - Tax Deferred Income Plans
Defer a portion of your pre-tax income and any interest earned in a 401k, 457, 403b. - United States Savings Bonds
Purchase U. S. Savings Bonds through payroll deduction.
Time Off from Work
- Annual & Sick Leave
Policies for annual (vacation) and sick leave for regular staff and 12-month faculty. - Court Leave
Policy for court leave and Jury Duty Payment Record form. - Funeral & Bereavement Leave
Policy for time off due to bereavement and to attend a funeral. - Parental Participation Act
Parents may participate in certain educational activities with supervisor's approval.
Wellness
- Aquatic and Recreation Center
Membership fee includes use of an indoor track, rock climbing tower, exercise equipment, and more. - Employee Assistance Program (EAP)
Resources to manage work/life issues. - Maclellan Gym
Free use of indoor pool for faculty and staff with valid MOCs ID Card. - University Health Services
Health services for students, faculty, and staff; is not an approved provider for Workers' Comp injury. - UTC Center for Physical Activity and Health Enhancement (formerly Healthy Mocs)
Membership fee provides a supervised, comprehensive exercise program.
