Davis & Elkins College provides a competitive benefits package to its eligible employees. An open enrollment period is held annually in the late fall to provide employees an opportunity to select health plan options for the next year. Open Enrollment is an ideal time to take inventory of all plans, coverage types, and beneficiaries.

Health Insurance
Health Insurance is provided by the Principal Financial Group. The monthly employee cost is $215 for family coverage and $105 for single coverage. A prescription plan is included with the medical insurance.

Employees may enroll as a new hire, during open enrollment, or when they experience a life change (marriage, birth, adoption, etc.).

Principal offers a variety of tools to help you better understand your health and health insurance benefits. For more information go to http://www.principal.com and log in under individuals.

Vested Health
Vested Health is a consumer directed health care program that is offered to employees who participate in health insurance coverage offered by Davis and Elkins College. The college contributes funds each year into Health Reimbursement Accounts (HRAs) for each participant. Employees, through their Vested Health Account, may then use these monies to pay for medical expenses. Money that is not spent during the year stays in the account to use for subsequent years.

For more information and to access your account, go to http://www.vestedhealth.com/.

Dental Insurance
Dental Insurance is provided by SIEBA, LTD. The monthly employee cost is $20 for family coverage and $10 for single coverage.

Employees may enroll as a new hire, during open enrollment, or when they experience a life change (marriage, birth, adoption, etc.).

The total maximum amount that may be paid to or for a covered person under the plan is $1000 for eligible services during each plan year. The plan pays 100% of the first $100 of eligible expenses incurred in the plan year; you then pay a $50 deductible; and then the plan pays 80% of the next $400 of eligible expenses and 50% of up to the plan year maximum benefit of $1000.

For more information please contact the Human Resources Coordinator or your may contact SIEBA directly by calling 607-786-3003.

Flexible Spending Account
A Flex Plan is available through the Principal Financial Group. This plan allows the employee to have deductions from their pay for medical, dental and child care expenses on a pre-tax basis, which allows employees to reduce their tax liability. Enrollment in the Flex Plan occurs annually.

For more information contact the Human Resources Coordinator.

If you have specific questions regarding your Flexible Spending Account, please call 515-273-9122.

Life Insurance
Life insurance is provided by Liberty Mutual to all full-time employees. The coverage is 2.5 times the employee's salary with a minimum of $50,000 and a maximum of $250,000. The college pays for this coverage. Coverage will decrease after employees reach age 65.

For more information contact the Human Resources Coordinator.

Retirement
An annuity contract will be opened for each full-time employee with TIAA-CREF. The college will pay the equivalent five percent of the employee's wages into the retirement contract. This percentage increased to ten percent after the sixth year of employment. The employee has the option to contribute a percentage of his/her wages to the contract.

For more information and to access your account, go to http://www.tiaa-cref.org/index.html and log in.

Long Term Disability
Disability insurance is provided by UnumProvident to all full-time employees. The coverage is 60 percent of the employee's monthly wage base, not to exceed $5,000 per month. The college pays this coverage.

For more information contact the Human Resources Coordinator.

Wellness Program
The college offers a wellness program to all employees and their spouses.

Housing Assistance

Davis and Elkins College is partnering with the West Virginia Housing Development Fund to make home ownership more affordable for D&E employees. The program offers 100 percent financing for full-time employees, which means no down payment! This is true for all income levels, including individuals with only average credit. Low fixed rate loans for 15 and 30 years are available. The claim is that if you can afford rent, you can afford to own your own home.

For more information go to www.hocwv.org or call 304-636-6495.

Employee Assistance Program
The LTD coverage includes a service called UnumProvident's Life Balance Program. It can be difficult for employees to balance the demands of work with those of their personal life. Stress, work concerns, and coping with personal situations can throw their life out of balance. LifeBalance is a one-stop resource that offers consultation, information, and personalized community referrals, available 24 hours a day, 7 days a week for employees and their family members. When an employee calls, they will be assisted by expert consultants who can help with issues such as:

• Emotional Well-being - Finding time for yourself, relationship conflicts, first-time events, grief and loss, depression, stress, marital concerns
• Work Issues - Co-worker relationships, changes in workplace, business travel, career planning, communication skills
• Everyday Issues - House sitting, appliance/home repairs, buying big-ticket items, pet sitter/pet care, healthy lifestyle, nutrition, and exercise
  Parenting and Child Care - Pregnancy and birth, adoption, child development, step or single parenting, adolescents, discipline issues, childcare options
• Legal Matters - Divorce, family matters, landlord/tenancy, real estate, consumer issues, criminal, debt/credit matters, attorney selection
• Financial Issues - Budgeting, debt management, investing, insurance options, taxes, retirement planning
• Disability & Accessibility - Education rights and resources, independent living, accessing services, confronting discrimination, caregiver support
• Education & Schooling - Homework issues, study habits, college application process and selection, special needs programs, scholarships
• Addiction & Recovery - Alcohol, smoking, gambling, eating disorders, education, treatment options
LifeBalance is free and easy to use. Masters-level consultants will help assess the situation and develop a plan to resolve concerns. Calls are strictly confidential. Consultants have access to resources and in-house experts to provide the appropriate information to meeting employees' needs.

To contact LifeBalance call 1-800-854-1446 or go to www.lifebalance.net (use lifebalance as password and ID)

• A group discount of 15% off their already competitive rates on auto and home insurance
• Additional savings based on your age, driving experience, and more
• Convenient payment plans, including payroll deduction
• Rates guaranteed for 12 months, not six
• 24-Hour claims service and Emergency Roadside Assistance

• Dial toll-free 866-943-5787.
• Your call will be greeted promptly and courteously by a person who makes certain you understand the Campus Conduct Hotline© program and how it functions.
• At the beginning of the interview, you will receive a five digit case number that you should use to check back for updates and/or requests for additional information. Be sure to write this number down and keep it in a safe place.
• You will then be interviewed about your question or concern. Your interview will not be recorded. Instead, the interviewer will be typing notes of your conversation. Whether or not you choose to provide your name is completely up to you.
• Within one business day of your call, a summary of the interview will be forwarded to the college. Our goal will be to have a basic response back to you in five business days.
• To receive your response, you will need to call back and provide the five digit case number that has been assigned to you. You will be able to continue checking back for updates until your case is closed.

• Multilingual services available through a 24 hour-a-day, 365 day-a-year operations center
• Global operations with international access to U.S.-style medicine
• Medical consultation and evaluation
• Medical referrals to over 600,000 Western-trained, English-speaking, pre-qualified medical providers
• Prescription transfer/replacement upon authorization or personal physician
• Guaranteed hospital admission
• Emergency medical evacuation, with medical supervision, to nearest medical facility
• Delivery and reception of emergency messages to your home
• Critical care monitoring
• Economy round-trip common carrier transportation for a friend/relative if you are alone and expect your hospitalization to last more than seven days
• Transportation of minor children left unattended after your accident/illness to a person you designate, or transportation of that designated person to your children's location
• Return travel to you home, when medically authorized
• Legal and interpreter referrals
• Return of mortal remains if death occurs during travel
• Lost luggage assistance
• Return of vehicle service

• Phone training for staff - both in equipment use and in proper etiquette;
• A New Employee Orientation;
• Better ways to acknowledge employees who may be experiencing illness, death in the family, or a happy new addition in their family;
• Communication improvements utilizing both print and web-based means to better inform all on campus of important topics and events; and,
• A Wellness Program for the campus community