NUFlex Overview

NUFlex is the university's flexible benefits program. Additional NUFlex benefit information may be viewed on the University of Nebraska benefits site or contact the UNL Benefits Office.

Your individual benefit enrollment elections may be viewed on the Employee Self-service Web site at http://firefly.nebraska.edu.

A flexible benefits program allows you to choose from a group of benefit options that best suit your circumstances and lifestyle. With NUFlex, you can customize your benefits to fit your personal needs by making choices among these benefit areas:

• Medical Insurance (with Prescription Drug Coverage)
• Dental Insurance
• Vision Care Insurance
• Long Term Disability Insurance
• Life Insurance
• Accidental Death & Dismemberment Insurance
• Dependent Life Insurance
• Long Term Care Insurance
• Health Care Reimbursement Account
• Dependent Day Care Reimbursement Account

Each benefit option has a price tag which reflects individual differences such as age, salary, benefits FTE, tobacco/nicotine use, and number of dependents enrolled for coverage.

The University of Nebraska provides you an allowance of NUCredits (based on your benefits FTE). This allowance represents part of the money the university spends for your benefits and is yours to spend on coverages which fit your needs. If your benefit choices add up to less than your allowance of NUCredits, you will receive the remaining amount as taxable cash. If you choose benefits that add up to more than your NUCredits, any additional cost will be deducted from your pay.

The Board of Regents of the University of Nebraska reserves the right to amend or terminate any such benefit or arrangement at any time.

Eligibility

You are eligible for the NUFlex benefits program if you are employed in a "Regular" position with an FTE of .5 or greater or employed in a "Temporary" position for more than 6 months with an FTE of .5 or greater.

Spouses & Other Dependents

Eligible dependents for the University of Nebraska NUFlex benefits program include:

Your spouse:

• Husband or wife, as recognized under the laws of the state of Nebraska,
• Common-law spouse if your common-law marriage was contracted in a jurisdiction recognizing a common-law marriage.

Your unmarried children:*

• Natural-born or legally adopted child who has not reached the limiting age of 19;
• Stepchild who is living in your home and dependent on you for support (must be claimed as an IRS dependent), and who has not reached the limiting age of 19;
• Child for whom you are the legal guardian and who has not reached the limiting age of 19;
• Mentally or physically handicapped child who has attained the limiting age of 19**; or
• Full-time student between the ages of 19 through 23 with the same principal place of residence as you for more than half of the year and receiving over half of his or her support from you.

*Dependent children who are employed at the University of Nebraska in a benefits eligible position may not be covered as a dependent on their parent's university benefit plans.

**Does not apply to accidental death & dismemberment and dependent life insurance coverage.

Enrollment

You must enroll for coverage within 31 days of your hire or eligibility date. Enrollment after the initial 31-day period is limited to the annual NUFlex enrollment or when a Permitted Election Change Event occurs.

Effective Date of Coverage

Coverage is effective on the first day of the month following your date of hire or eligibility, assuming any applicable underwriting has been completed (some life and long term care insurance options require proof of insurability). If you are hired on the first day of the month or first working day of the month, coverage will be effective immediately. In addition, some coverages require you to be physically able to work on the date the coverage goes into effect.

Change in Status Guidelines

Your NUFlex choices will be in effect for the calendar year unless 1) a qualified change in status event occurs and 2) your requested change is consistent with the event that results in you, your spouse or dependent child gaining or losing coverage eligibility. Enrollment or changes in coverage must be made within 31 days of the Permitted Election Change Event. Some enrollment changes are limited due to certain eligibility restrictions. Listed below are several Permitted Election Change Events that may allow you to initiate a midyear benefits election change.

• Change in legal marital status
• Change in number of dependent children
• Change in employment status or work schedule which results in a gain or loss of coverage eligibility
• Change in coverage under other employers' benefits plan, if substantial

A Medical, Dental and Vision Care Insurance Dependent Information Request Form must be completed to add a new dependent child to the medical, dental, or vision care insurance policy even if the employee is currently enrolled for Employee & Child or Employee & Family coverage.

Completing Your Benefits Enrollment Form

It is important that you complete your Benefits Enrollment Form promptly.

If your Benefits Enrollment Form is not submitted within the first 31 days of your date of hire or eligibility, you will be enrolled for only Life Insurance (Option 1). Benefit changes will not be permitted until the next annual NUFlex enrollment period unless a Permitted Election Change Event occurs.

Therefore, you should review your options and make your decisions within this time period. If special circumstances prohibit you from submitting your Benefits Enrollment Form, please contact your Campus Benefits Office.

Remember, if you elect Life Insurance Option 5-13 you must complete an Assurity Life Insurance Statement of Health form. In addition, if you elect Dependent Spouse Life Insurance Option 3 or 4, your spouse must complete a Statement of Health form. This form is included in the appendix or is available from your Campus Benefits Office.

Enrollment of any dependent into one of the Blue Cross Blue Shield medical options, dental plan, and/or vision care plan requires completion of the "Medical, Dental, and Vision Care Insurance Dependent Information Request Form" which is included in the appendix.

In order to determine your group life insurance premium, you must complete the Life Insurance Tobacco/Nicotine Designation which is located on your Benefits Enrollment Form. If not completed, your life insurance coverage will be based on the Tobacco/Nicotine premium. This designation cannot be changed during the year unless a Permitted Election Change Event occurs.

Long Term Care enrollment and premium information is available from your Campus Benefits Office.

Important Note

This website and the NUFlex booklet describes the highlights of the NUFlex benefits program. A complete description of each benefit can be found in the program's legal documents and contracts. Every effort has been made to provide an accurate summary of the university's benefits program. However, if there is a conflict between this material and the documents and contracts, the documents and contracts will govern. The Board of Regents of the University of Nebraska reserves the right to amend or terminate any such benefit or arrangement at any time.