2013 Benelect Guide - After Tax Benefits
The purpose of this guide (print pdf version) is to provide you with an overview of Benelect—the flexible benefits program at CWRU. This is not intended to be a comprehensive description of the benefit plans. Details of individual benefit plans are provided in legal plan documents and contracts that govern the operation of the program. Specific coverage information is contained in the individual summary plan descriptions available from the medical insurance carrier or Benefits Administration.
Optional After-Tax Benefits
Internal Revenue Service rules require you to use after-tax dollars to pay for any of these optional benefits. After-tax benefits are available through payroll deduction. Voluntary benefits begin January 1 and will remain in effect for the whole calendar year (except group auto and home).
Group Auto and Home
MetLife Auto & Home’s group insurance program is available to you as a voluntary benefit. As part of the program, you have access to value-added features and benefits, including special group discounts on auto and home* insurance, as well as a variety of other insurance policies. You can receive quotes, ask questions, make changes to your policy, and report claims by calling one easy-to-remember number — 1 800 GET-MET 8 (1-800-438-6388).
View the Metlife Auto & Home Q&A.
*Home insurance is not part of MetLife Auto & Home’s benefit offering in Florida. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates and discounts are available in most states to those who qualify. Met P&C®, MetCasSM and MetGenSM are licensed in state of Minnesota.
Hyatt Legal Plans offers representation for many personal legal services through the prepaid Legal Plan. Covered services include wills and estates, debt matters, injury and insurance, traffic, criminal, and real estate. In addition, you may receive telephone advice and office consultations for virtually any personal legal matter. This gives you the opportunity to discuss with an attorney any personal legal problems that are not specifically excluded matters, even if the matter is not fully covered.
- In Network: All covered services are paid in full and no claim forms.
- Out of Network: You may choose a non-plan attorney and be reimbursed according to a set fee schedule.
- Legal summary plan description (pdf).
Dependent life insurance is a benefit that will be paid to you if your spouse (equivalent) and/or child dies. Fort Dearborn quotes the same price tag for covering just a spouse (equivalent) or an entire family because it is more cost effective. You can choose from two levels of coverage:
- $5,000 spouse/$1,000 each child
- $10,000 spouse/$2,000 each child
No person may be covered both as a CWRU employee and as a dependent of an employee; and no person may be covered as a dependent of more than one employee. If you and your spouse both work for the university, you may not elect the spousal life insurance and only one of you may elect dependent life insurance for your children. Coverage for spouse ends when they reach age 85, please notify Benefits Administration to stop deductions for Dependent Life.