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Benefits Comparison

The information below is provided for quick comparison purposes. Visit the WVU Benefits Strategy website for additional details.

BENEFIT WVU RESEARCH CORPORATION WVU
Benefits Eligibility Definition Most regular employees working at least 30 hours per week are considered benefits eligible. Most regular employees working at least 20 hours per week are considered benefits eligible.

For more information, visit the General Benefits Eligibility FAQ.

Medical
  • Carrier: Highmark
  • Plans: 2 plan options including a PPO and High Deductible Health Plan
  • Coverage types: Employee only, Employee + 1 and Employee + Family
  • Premiums: Premiums depend on plan and coverage type elected.
  • Carrier: PEIA or The Health Plan
  • Plans: 7 plan options including Preferred Provider Benefit plans, an HMO and a High Deductible Health Plan
  • Coverage types: Employee only, Employee + Children, Family, Family + Employee Spouse and Family with Spousal Surcharge
  • Premiums: Premiums depend on plan and coverage type elected. Premiums and some cost sharing such as deductibles and out-of-pocket maximums are also determined by salary and tobacco use.

For more information, visit Health Insurance and Prescription Coverage.

Vision
  • Carrier: Principal
  • Plan: 1 plan option
  • Coverage types: Employee only, Employee + 1 and Employee + Family
  • Premiums: Premiums are paid by the employee and depend on coverage type elected.
  • Carrier: Sun Life administered by Mountaineer Flexible Benefits (FBMC)
  • Plans: 2 plan options
  • Coverage types: Employee Only or Employee + Family
  • Premiums: Premiums are paid by the employee and depend on plan and coverage type elected.

For more information, visit Vision Insurance.

Dental
  • Carrier: Principal
  • Plan: 1 plan option
  • Coverage types: Employee only, Employee + 1 and Employee + Family
  • Premiums: Premiums are paid by the employee and depend on coverage type elected.
  • Carrier: Sun Life administered by Mountaineer Flexible Benefits (FBMC)
  • Plans: 4 plan options
  • Coverage types: Employee only, Employee + Spouse, Employee + Child(ren) and Employee + Family
  • Premiums: Premiums are based on the selected plan and coverage type.

For more information, visit Dental Insurance.

Short-Term Disability
  • Carrier: Principal
  • Plan: 1 plan provides coverage for 66% of salary.
  • Premiums: Premiums are paid by WVURC and enrollment is automatic.
  • Carrier: MetLife administered by Mountaineer Flexible Benefits (FBMC)
  • Plan: 1 plan provides coverage for 70% of salary.
  • Premiums: Premiums are paid by the employee and based on salary.

For more information, visit Disability Insurance.

Long-Term Disability
  • Carrier: Principal
  • Plans: 1 plan which pays 66% of salary; enrollment is automatic for eligible employees.
  • Premiums: Premiums are paid by WVURC and enrollment is automatic.
  • Carrier: The Standard or MetLife administered by Mountaineer Flexible Benefits (FBMC)
  • Plans: 3 plan options:
    • The WVU Group plan from the Standard offers 1 plan providing 60% pre-disability salary coverage and includes an annuity benefit providing a monthly contribution of an amount equal to 12 percent of the employee's salary to their 401(a) account with TIAA in the event of disability.
    • MetLife administered by FBMC offers 2 plans, providing 50% or 60% pre-disability salary coverage. The MetLife plans do not include the annuity benefit.
  • Premiums: Premiums are paid by the employee and depend and salary and plan elected.

For more information, visit Disability Insurance.

Accidental Death and Dismemberment
  • Carrier: Principal
  • Plan: 1 plan offered equivalent to one year of employee's annual salary rounded to the next higher $1,000, with a maximum of $165,000.
  • Premiums: Premiums are paid by WVURC.
  • Carrier: AIG
  • Plans: 2 plan options
  • Coverage types: Employee Only and Employee + Family
  • Premiums: Premiums are based on the selected plan and coverage type.

For more information, visit Accident Insurance.

Retirement
  • Vendor: TIAA
  • Plan: Mandatory 403(b) Retirement Savings Plan
  • Employee Contribution: Minimum of 3% of salary up to 6%
  • Employer Contribution: Matched up to 6%
  • Vesting: Participants are immediately vested.
  • Vendor: TIAA
  • Plan: Mandatory 401(a) Retirement Savings Plan
  • Employee Contribution: 6% of salary
  • Employer Contribution: 6% of salary matched
  • Vesting: Participants are immediately vested.

For more information, visit Saving for Retirement.

Supplemental Retirement
  • Vendor: TIAA
  • Plan: 1 supplemental 403(b) option
  • Employee Contribution: Up to applicable IRS limits
  • Employer Contribution: No additional employer match for supplemental retirement savings
  • Vesting: Participants are immediately vested.
  • Vendor: TIAA
  • Plans: 2 supplemental retirement account options available, a 403(b) and 457(b), both with pre-tax and Roth options
  • Employee Contribution: Up to applicable IRS limits
  • Employer Contribution: No additional employer match for supplemental retirement savings
  • Vesting: Participants are immediately vested.

For more information, visit Saving for Retirement.

Basic Life
  • Carrier: Principal
  • Plan: 1 plan offered equivalent to one year of employee's annual salary rounded to the next higher $1,000, with a maximum of $165,000
  • Premiums: Premiums paid by WVURC, enrollment is automatic.
  • Carrier: MetLife administered by PEIA
  • Plan: 1 plan offered; $10,000 of coverage
  • Premiums: Premiums paid by WVU.

For more information, visit Life Insurance.

Voluntary Employee Life Insurance
  • Carrier: Principal
  • Plan: New hires are guaranteed issue up to $100,000. Coverage available up to $300,000 with Evidence of Insurability.
  • Premiums: Premiums are paid by the employee and are determined by age and coverage amount.
  • Carrier: MetLife administered by PEIA
  • Plan: New hires are guaranteed up to $100,000. Coverage available up to $500,000 with Evidence of Insurability.
  • Premiums: Premiums are paid by the employee and are determined by age, coverage amount, and tobacco status.

For more information, visit Life Insurance.

Voluntary Dependent Life Insurance
  • Carrier: Principal
  • Plan: Spousal coverage available up to $100,000. Dependent child coverage of $10,000 available.
  • Premiums: Premiums are paid by the employee.
  • Carrier: MetLife administered by PEIA
  • Plans: 4 plans offered; spousal coverage up to $40,000 and dependent child coverage up to $15,000.
  • Premiums: Premiums are paid by the employee and are determined by coverage amount and tobacco status.

For more information, visit Life Insurance.

Voluntary Dependent Life Insurance
  • Carrier: Principal
  • Plan: Spousal coverage available up to $100,000. Dependent child coverage of $10,000 available.
  • Premiums: Premiums are paid by the employee.
  • Carrier: MetLife administered by PEIA
  • Plans: 4 plans offered; spousal coverage up to $40,000 and dependent child coverage up to $15,000.
  • Premiums: Premiums are paid by the employee and are determined by coverage amount and tobacco status.

For more information, visit Life Insurance.

Hospital Indemnity
  • Carrier: Guardian
  • Plan: 1 plan is offered and provides direct payments in the event of eligible hospitalization.
  • Coverage types: Employee only, Employee + Spouse, Employee + Child and EE + Family
  • Premiums: Premiums are paid by the employee and are based on coverage type elected.
  • Carrier: Sun Life administered by Mountaineer Flexible Benefits (FBMC)
  • Plan: 1 plan option is offered and provides direct payments in the event of eligible hospitalization.
  • Coverage types: Employee Only, Employee + Spouse, Employee + Child(ren) and Employee + Family
  • Premiums: Premiums are paid by the employee and are based on coverage type elected.

For more information, visit Critical Illness and Hospital Indemnity.

Critical Illness
  • Carrier: Guardian
  • Plan: Coverage offered from $5,000 to $20,000 ($10,00 for children) coverage amounts. Coverage provides direct lump sum payment if diagnosed with eligible critical illness.
  • Coverage types: Coverage available for Employee, Spouse and Dependent Child
  • Premiums: Premiums are paid by the employee and are based on age and coverage amount elected.
  • Carrier: Sun Life administered by Mountaineer Flexible Benefits (FBMC)
  • Plan: Coverage available from $10,000 to $50,000 ($20,000 for children). Coverage provides direct lump sum payment if diagnosed with eligible critical illness.
  • Coverage types: Employee, Spouse and Child
  • Premiums: Premiums are paid by the employee and are based on the age and coverage amount elected.

For more information, visit Critical Illness and Hospital Indemnity.

Healthcare Flexible Spending Account Not offered
  • Carrier: Inspira administered by Mountaineer Flexible Benefits (FBMC)
  • Plan: 1 plan option; allows for tax-free reimbursement for eligible healthcare expenses.
  • Contributions: Contribution limits are established by the IRS.

For more information, visit Flexible Spending Accounts.

Dependent Care Flexible Spending Account
  • Carrier: The Health Plan
  • Plan: 1 plan option; allows for tax-free reimbursement for eligible dependent care expenses.
  • Contributions: Contribution limits are established by the IRS.
  • Carrier: Inspira administered by Mountaineer Flexible Benefits (FBMC)
  • Plan: 1 plan option; allows for tax-free reimbursement for eligible dependent care expenses.
  • Contributions: Contribution limits are established by the IRS.

For more information, visit Flexible Spending Accounts.

Limited Healthcare Flexible Spending Account Not offered
  • Carrier: Inspira administered by Mountaineer Flexible Benefits (FBMC)
  • Plan: 1 plan option available only to employees enrolled in PEIA's PPB Plan C High Deductible Health Plan and a health savings account (HSA).
  • Contributions: Contribution limits are established by the IRS.

For more information, visit Flexible Spending Accounts.

Health Savings Accounts
  • Carrier: Highmark
  • Plan: 1 plan offered only for employees enrolled in Qualified High Deductible Health Plan. Plan allows for portable, pre-tax saving for reimbursement for eligible healthcare expenses.
  • Coverage types: Employee Only and Employee + Family
  • Contributions: Contribution limits are established by the IRS and based on coverage type and employee age.
  • Carrier: Health Equity from TIAA, or Inspira administered by Mountaineer Flexible Benefits (FBMC)
  • Plans: 2 plans offered only for employees enrolled in PEIA's PPB Plan C (Qualified High Deductible Health Plan). Both options allow for portable, pre-tax saving for reimbursement for eligible healthcare expenses.
  • Coverage types: Employee Only and Employee + Family
  • Contributions: Contribution limits are established by the IRS and coverage type.

For more information, visit Health Savings Accounts.

Accident Insurance Not offered
  • Carrier: Sun Life administered by Mountaineer Flexible Benefits (FBMC)
  • Plan: 1 plan option provides direct lump sum payment in the event of a covered accident.
  • Coverage types: Employee Only, Employee + Spouse, Employee + Child(ren) and Employee + Family
  • Premiums: Premiums are based on coverage type.

For more information, visit Accident Insurance.

Hearing Insurance Not offered
  • Carrier: EPIC administered by Mountaineer Flexible Benefits (FBMC)
  • Plan: 1 plan option offered
  • Coverage types: Employee Only, Employee + Spouse, Employee + Child(ren) and Employee + Family
  • Premiums: Premiums are based on the coverage type.

For more information, visit Hearing Plan.

Legal Plan Not offered
  • Carrier: ARAG administered by Mountaineer Flexible Benefits (FBMC)
  • Plans: 2 plan options offered and covers eligible attorney fees with in-network attorneys.
  • Premiums: Premiums are based on the plan selected.

For more information, visit Legal Plan.

Pet Insurance Not offered
  • Carrier: Nationwide
  • Plans: Multiple reimbursement plans available
  • Premiums: Premiums are based on the plan elected and billed directly from the carrier to the employee participant and are not paid by payroll deduction.

For more information, visit Pet Insurance.

Paid Time Off

Benefits eligible employees accrue Paid Time Off (PTO) with accrual rate and maximum based on years of service with WVURC and job type. Employees also receive employer-paid short-term and long-term disability insurance coverage.

Leave-eligible employees accrue both Annual Leave and Sick Leave with accrual rate and maximum based on years of service with the state of West Virginia and job type. Sick leave may be accrued without limit. Employees may also purchase optional short-term and long-term disability insurance.

For more information, visit Leave and Time Off.