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For any questions please send e-mail to: NDSU.Policy.Manual@ndsu.edu

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SECTION 148: PAYROLL DEDUCTION SERVICES

SOURCE: NDSU President

1. The University provides payroll deduction service for certain types of voluntary group insurance. Detailed information is not available on campus but is available through the providers named.
2. Supplemental Life Insurance (ReliaStar Life Insurance Co.-TriTerm Policy)
   This optional life insurance program provides term insurance for employees. Coverage is also available for spouse and children. Basic amounts of coverage are $10,000 or $20,000 or $30,000 for the employee, with additional amounts available for spouse and children. Options are also available to increase employee coverage to a maximum of $250,000. Insurance may be continued by direct billing or the policy may be converted to a whole-life policy at the employee's option upon termination of employment.
   
   Applications must be made within the first 60 days of employment in order for the employee's basic coverage to be obtained without health questions. Spouse and dependent insurance will require the medical questions to be answered and approval through ReliaStar.
    
3. Accident Insurance (Reliance Standard Life Insurance Co.)

An optional group accidental death and dismemberment program is available to all employees with a minimum coverage of $10,000 and additional increments of $5,000 to a maximum of $300,000 coverage. Family coverage is also available.
4. Cancer Indemnity Insurance (AFLAC-American Family Life Assurance Co. of Columbus)

This optional supplemental health insurance plan provides for benefits when hospitalized for definitive cancer treatment. This includes both inpatient and outpatient services. The benefits are paid directly to the insured to assist with out-of-pocket expenses.

5. Hospital Intensive Care Insurance (AFLAC-American Family Life Assurance Co. of Columbus)

An optional insurance plan which provides benefits for confinement in a hospital intensive care unit. The benefits are paid directly to the insured to assist with out-of-pocket expenses.


6. ProviDent Dental Plan (Total Dental Administrators, Inc.)

This optional dental maintenance program is available at the employee's expense. The plan requires the choice of a participating dentist in the program.
7. Group Long-Term Care Insurance (CNA Insurance Company)
   An optional insurance plan to cover specific expenses for home health care, community-based services, and/or nursing home care. New employees and their spouses may enroll within 30 days of employment. Rates are determined by age at time of enrollment. Premiums are paid through payroll deduction.
8. UnumProvident Longer Term Care Insurance
   An optional insurance plan to cover specific expenses for home health care, community-based services, and/or nursing home care. Anytime enrollment, however, during the first 30 days of employment, there is no medical underwriting for policies under $6000. Rates are determined by age at time of enrollment.
9. Savings Bonds
   EE or I bonds can be purchased using payroll deduction

HISTORY: July 1, 1990; Amended April 1992; January 1995; April 1996; August 1996; May 1997; December 1999; October 2000; November 2000; June 2001, March 2002; November 2005; January 2007.