Human Resources

Employee Benefits

Muskingum University provides the following benefits for full-time employees after meeting any eligibility or length of service requirements.

Employee Retirement And Income Security Act (ERISA)

Muskingum University complies with the regulations set forth by the Employee Retirement and Income Security Act of 1974, commonly referred to by its initials -- ERISA. The law was enacted to protect the interests of employees in pension and welfare benefit plans connected with employment. ERISA rights and statements are included in each benefit summary plan description. Also, please refer to the following amendment to the summary plan description that took effect on September 1, 2020.

University Right To Change Benefits

Muskingum University reserves the right to alter, amend, or rescind all benefits and change, alter or rescind contributions to such benefit plans at any time with or without notice including those for retirees. The section on the University’s current fringe benefits is for information only and not contractual in nature. Faculty refer to Faculty Handbook for parameters and definition of benefits and yearly contract.

Life/Accidental Death and Dismemberment Insurance

Eligibility is the first of the month coinciding with or following enrollment and available to full-time employees. Effective April 1, 2009, the amount of life insurance coverage, the cost of which is paid by the University, equals one times annual regular salary up to a salary limit of $150,000 rounded up to the nearest thousand dollars. If terminally ill and meeting eligibility requirements while insured by the plan, Met Life Insurance provides a voluntary accelerated death benefit to 50% of the life insurance amount prior to death. Additionally, an amount equal to one times annual regular salary rounded up to the nearest thousand dollars is paid as accidental death coverage. Benefit amounts are reduced upon reaching age 65. An additional seatbelt benefit of 10% of accidental benefit to $25,000 limit and an airbag benefit of 5% of accidental benefit to $5000 is paid if death occurs in a private passenger car. A maximum to $24,000 is paid as education benefits upon eligibility.

The contact information: Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166.

Portable privileges, as described in the plan benefits document, may be provided at termination of employment. If ineligible for or portable coverage ends, one may qualify for conversion coverage.

Employee Assistance Program

Met Life's work-life balance program is available to full-time employees toll-free with 24-hour access. Assistance includes custom consumer research; childcare and/or eldercare referrals; personal relationship information and counseling; health management support and referrals; legal consultations; education planning; financial planning assistance; stress management and career development.

The contact information: (user name: metlifeeap and password: eap) or use the toll-free numbers 1-888-319-7819 or for TTY/TDD 1-800-999-3004.

Long-Term Disability Insurance

Eligibility is the first day of the month coinciding with or following enrollment and available to full-time employees. The premium cost is paid by the University.

The long-term disability program generally provides monthly income benefits of 60% of basic monthly salary to a maximum of $6,000 per month, which maximum is calculated by including the amount of any income benefit received from Social Security, from the Workers' Compensation Bureau or from any other group benefit plan. Elimination period is 180 days and benefit is reduced at age 62.

Additional benefits include rehabilitation and return to work assistance, dependent care expense benefit and lump sum benefit equal to 3 months of gross disability payment upon meeting eligibility requirements.

In addition, for eligible disabled employees participating in the retirement plan, an additional monthly benefit equal to the University 4% and employee 5% contribution of last base salary is generally payable by the insurance plan as a contribution to the Retirement Plan. Voluntary employee contributions cease.

Metropolitan Life Insurance Company
2oo Park Avenue
New York, NY 10166
Telephone: 207-575-2211

Downloadable Forms

  1. Enrollment and Beneficiary Form

Group Health Insurance

The University offers two preferred provider health insurance plans through MedBen. Option 1 Plan includes a $2500/$5000 in-network deductible and 80/20% co-insurance. Option 2 Plan includes a $5000/$10000 in-network deductible and 80/20% co-insurance. Eligibility for coverage is the first day of the next month following the beginning of full-time active employment or the first day of employment if employment begins on the first of the month and completion of application if regularly scheduled to work 30 hours or more per week on a nine or more months-per-year basis.

New employees will have 30 days from the time employment begins to make application for health insurance coverage. After 30 days the employee will still be eligible to apply for health coverage during open enrollment in late November and early December for an effective date of January 1 or due to a qualifying event (See Certificate of Coverage for definitions of qualifying events.) Employees desiring to make any change in their health insurance coverage must initiate the change in the Office of Human Resources during the open enrollment period. Employees may also enroll or change coverage if a qualifying event occurs. The employee monthly cost of the health plans are:

    Yearly Gross Salary    
Option 1 (2500/5000) Up to $30,000 $30,001-$55,000 $55,001-$85,000 $85,001 & Up
Single $237.00 $239.37 $245.37 $251.43
Employee Plus Spouse $552.00 $575.70 $621.18 $636.54
Employee Plus Children $447.12 $466.32 $503.16 $515.60
Family $725.88 $757.05 $816.85 $837.05
Option 2 (5000/10000)        
Single $149.00 $150.49 $154.26 $158.07
Employee Plus Spouse $482.08 $502.78 $542.50 $555.91
Employee Plus Children $391.00 $407.79 $440.00 $450.88
Family $552.00 $575.70 $621.18 $636.54

Member Online Account Access
Diabetic Disease Management Program
Telemedicine for Primary Care
Your Personal ID Card
Health Insurance Election Form
Enrollment Application, Change and Waiver for Health Insurance Form
Summary of Benefits and Coverage - Option 1 
Summary of Benefits and Coverage - Option 2 
QCP Find a Doctor

MedBen Network Providers:  OPPOC -

                                               PHCS (out of state) -

Prescription Plan: Retail Prescriptions - $20/$40/$80/30%; Mail Order Prescriptions - $40/$80/$160/30%

Included in the plan is a Prescription Drug Plan and Mail Order Drug Program.

Mail Order Service (90 day)

First time ordering 90 day supply of medication, obtain mail order form from Human Resources Office, or mail order form can be found in your new employee insurance packet.

Costco Mail Order Pharmacy, 215 Deininger Circle, Corona, CA 92880-9911. 

Costco Mail Order Pharmacy Customer Service: 1-800-607-6861 (phone); 1-800-545-4615 (fax)



Group Dental Insurance

Eligibility for coverage is the first day of the next month following the beginning of full-time active employment or the first day of employment if employment begins on the first of the month and completion of application if regularly scheduled to work 40 hours or more per week on a nine or more months-per-year basis.

Delta Dental Plan

Customer Service: 800-524-0149

New employees will have 30 days from the time employment begins to make application for this preferred provider dental insurance coverage. After 30 days the employee will still be eligible to apply for health coverage during open enrollment in December for an effective date of January 1 or due to a qualifying event. Employees desiring to make any change in their dental insurance coverage must initiate the change in the Human Resources office during open enrollment in the month of December. Employees may also enroll or change coverage if a qualifying event occurs. The current cost to employees per month for family coverage is $34.92 and $11.60 for a single plan per month.

Downloadable Forms

  1. Delta Dental Features
  2. Delta Dental Enrollment, Change, Waiver Form

Group Vision Insurance

Group Vision Insurance is with VSP. The monthly cost for a family plan is $4.15 and a single plan is $1.84. The plan offers a $10.00 office visit and a percentage off of frames and lens.

Downloadable Forms

  1. Vision Care Information
  2. Form Eligibility Enrollment VSP
  3. Vision Waiver Form

COBRA Provisions

Employees and their families have the opportunity for a temporary extension of health or dental coverage (called "continuation coverage") at group rates in certain instances where coverage under the plan would otherwise end. An eligible Muskingum University employee covered by University group health or dental insurance has a right to choose this continuation coverage if the employee loses this group health or dental insurance because of a reduction in hours of employment, resignation, retirement, or termination of employment (for reasons other than gross misconduct). Dependents on a family plan also have the right to this continuation of coverage due to loss of employee insurance, divorce, death of the employee, or the dependent reaching a disqualifying age.

The Muskingum University 125 Flexible Spending Benefits Plan

The University has designed a plan in compliance with Section 125 of the Internal Revenue Code which allows employees to pay benefit contributions for health insurance and dental insurance with pre-tax dollars. By completing an enrollment form upon employment or in the month of December of any year, one may reduce federal, state and Social Security taxes perhaps creating an increase in take-home pay. Once enrolled, renewal is automatic until canceled by completion of forms in the Human Resources Office.

Downloadable Form

  1. 125 Benefits Plan

Flexible Spending Account For Health And Dependent Care

This plan provides the opportunity for employees to exempt from taxation up to $2,750 for health care expenses which may not be covered under the University health, vision and dental insurance plans, including deductibles, co-payments, dental and vision costs not covered under insurance and up to $5,000 for dependent child or eligible parent care costs. The enrollment period is not automatic and one must re-enroll in this plan each new calendar year. The University pays all service charges and fees for the individual's participation. Over-the-counter drugs are included in the Plan.

Wageworks, Inc. 
P. O. Box 14053 
Lexington, Ky 40512

Customer Service: 877-924-3967

Claim forms may be faxed to: 877-353-9236

Downloadable Forms

  1. Flexible Spending Program Highlights with Worksheet
  2. FSA Whats Covered
  3. Health Care Account Pay Me Back Forms
  4. Dependent Care Account Pay Me Back Forms Fillable
  5. Wage Works Enrollment Form

Travel Accident Insurance

Travel accident insurance provides graded benefits up to $100,000 for full-time faculty, administration, staff and non-faculty professional staff between the ages of 18-70 in the event death or dismemberment occurs accidentally while traveling off-campus on University-related business. This benefit begins on the first of the month after an employee has served one full month of continuous employment. The entire program cost is paid by the University.

International Travel Insurance

Muskingum University has available certain University-paid benefits for employees traveling abroad on University-related business who become injured or ill while traveling outside the United States and within the coverage territory. Services offered are in the form of Medical Assistance, Personal Assistance, Travel Assistance and Security Assistance. The University pays the cost of this plan. For a complete description of these services contact the Office of Human Resources.

Unemployment Compensation

Muskingum University is a reimbursable unemployment program. Staff or faculty who feel entitled to unemployment benefits should pursue a claim through the Ohio Family Jobs and Services Agency. Claims are not viable for employees on 9, 10, or 11 month contracts expecting to begin work at the beginning of the next term or contract period.

Workers' Compensation

Faculty and staff are covered by the Muskingum University Self-insured Workers' Compensation Insurance Plan which is paid for by Muskingum University. This insurance covers occupational illness and injury. Eligibility for benefits under Workers' Compensation is automatic and effective on date of hire. While the complexities of this law prevent a full explanation on the web page, in general terms, expenses for medical care under a managed care system, as well as certain benefits for loss of salary or wages, will be paid by Muskingum University for eligible injuries and disabilities arising out of and in the course of employment if required procedures are followed. At time of injury or illness utilize the following and then any licensed provider thereafter.

Work Pro, 10095 Brick Church Rd., Cambridge, Oh 43725, 740-439-8191

Genesis Health Plex, 2800 Maple Ave., Zanesville, OH 43701, 740-455-4010

Social Security

Social Security (FICA) provides for a Federal system of old age, survivors and disability insurance (OASDI) and health insurance (Medicare). The University is required to withhold and submit to the agency Social Security taxes up to an annually announced wage base matched by the University and Medicare taxes with no wage base limit matched by the University.

Retirement Plans

Muskingum University is a participant in the Teachers Insurance and Annuity Association (TIAA) and the University Retirement Equities Fund (CREF). Eligible employee means all employees except employees working less than 1,000 hours a year or if employment is incidental to an educational program. Employees working 1,000 hours the previous year are required to participate in this plan at their first year anniversary of employment or age 21, whichever comes later. To maintain eligibility, employees must continue to work 1,000 hours each plan year. If an employee does not complete the required hours of service by the first anniversary date of employment, the hours completed do not count towards establishing a year of service. Years of service with an eligible organization during the period immediately preceding the eligible employee’s date of employment with the Institution will be counted for meeting the eligibility requirements of 403(b)(1) and for satisfying this requirement. Former employees who are reemployed by the institution and who satisfied the service requirement before terminating employment will begin participation in the plan immediately after reemployment.

Annuity premiums may be allocated between TIAA and several CREF funds in designated proportions including full premium to either company. TIAA funds are invested in fixed-dollar obligations providing a traditional annuity with guaranteed principal and interest. CREF funds can be invested in CREF Common Stock Fund, CREF Global Equities Account, CREF Equity Index Account or CREF Growth Account. Also available is the CREF Bond Market, TIAA Real Estate Market, CREF Money Market Account, CREF Social Choice Account and CREF Inflation-Linked Bond Account. Refer to the TIAA-CREF web site as investment avenues may be established or altered from time to time.

Members share in the CREF total as in a mutual investment fund. The dollar amount of the annuity received from CREF funds therefore varies from year to year. The University pays an amount equal to 4% of the participant's base salary into the plan while the member contributes a minimum of 5% of base salary or wages through payroll reduction. Under an agreement approved by the Internal Revenue Service, income tax on both the employee and University contributions is deferred until retirement income begins. Normal retirement age is 65. The actual retirement income is dependent upon the amount of contribution plus interest and dividends as well as the settlement option chosen. Every retirement annuity may provide a life income for the retired member, a life income for an annuity partner and several other available options.

Schedule a TIAA Virtual Consultation

Metro Lakes
Metro Place South, Suite 450
Dublin, OH 43017
Telephone: 877-209-3138

Downloadable Form

TIAA Salary Reduction Agreement

Supplemental Retirement Annuity (SRA)

The Supplemental Retirement Annuity (SRA) plan is available through TIAA/CREF to employees to provide additional retirement income by allowing additional tax-deferred contributions and is available for employees not wishing to wait one year to join the University Retirement Plan. Participation in the tax-deferred SRA plan is voluntary, with no University contribution. Like tax deferred contributions to the basic plan, federal and state income taxes on one's personal contributions and the earnings of one's accumulated funds in the annuities are deferred until benefits are received. City income taxes, however, are paid on gross salary.

A loan provision of up to 45% of one’s TIAA/CREF SRA Account is available through the SRA using such accumulations as collateral. Unlike a regular TIAA/CREF annuity, a participant can withdraw an SRA in whole or in $1,000 increments in certain circumstances. In addition to any tax penalties that may apply, withdrawals and distributions from an SRA are fully taxable as current income for the calendar year in which they are received. Such contributions may be made in any amount, provided the University's contribution to TIAA/CREF and the total salary reduction authorized by the employee for the regular retirement annuity plan and the SRA plan do not exceed the limitations set forth in Section 403 (b) and 415 of the Internal Revenue Code. See the Office of Human Resources for information on other TIAA/CREF investment possibilities such as IRAs, Teachers Personal Annuity and TIAA/CREF Mutual Funds.

Cash Withdrawal Of Retirement Accumulations Upon Leaving Employment

The University provides for cash withdrawals of up to 100% of CREF accumulations by employees leaving Muskingum University at any age and with no limits as to years of service. The withdrawal may be made from total accumulations including both employee and University contributions. TIAA limits cashability of TIAA funds upon leaving Muskingum University over a ten year payout period. Any cash withdrawals from either program may have serious tax implications and tax counsel is recommended.

Post Retirement Health Insurance Benefits

  1. Faculty and administration who have worked for the University on a full-time basis for a minimum of 5 years and whose age and years of services total 70 at retirement (provided they have attained age 58 at such time) may, along with their spouse at time of retirement, remain on the then current group health insurance plan (or a Medicare Supplemental Plan upon attaining age 65) by paying the cost of all premiums for such plan.

Tuition Remission

Tuition remission is available to eligible employees and dependents as any service and eligibility requirements are met. Tuition remission benefits are awarded according to the plan parameters currently in place when benefits are received. Contact the Office of Human Resources for plan information.

Downloadable Form

  1. Tuition Remission Form
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