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Princeton University
Office of the Dean of the Faculty

Status of Your Benefits During a Leave of Absence for Members of the Faculty

April 2003 (Revised June 2007)

LEAVE WITH PAY

Retirement Plans

Administered by TIAA-CREF
www.tiaa-cref.org

University contributions to the Princeton University Retirement Plan continue on your behalf as long as you are receiving a salary from Princeton. Contributions are based on the actual salary that you receive while on a leave, not to exceed the eligible compensation limit as defined each year by the Internal Revenue Service. For example, an individual on leave with half pay whose annual base salary is $50,000 would receive contributions based on an actual salary of $25,000, or half of the annual base salary.

If you make voluntary pretax contributions to the Tax Deferred Annuity (TDA) Plan, also known as a Supplemental Retirement Annuity (SRA), contributions will continue during your leave with pay.

Health Care Plan Coverage

Preferred Provider Organization (PPO) Plan
Administered by United HealthCare
877-609-2273; www.uhc.com

Point of Service (POS) Plan
Administered by Oxford Health Plans
800-303-9905; www.oxhp.com/

Aetna HMO (NJ/PA)
800-323-9930; www.aetna.com

Horizon HMO Blue
800-355-2583; www.bcbsnj.com

Catastrophic Plan
Administered by United HealthCare
877-609-2273

You may continue health care plan coverage through the University while you are on a leave of absence with pay. If you are enrolled in the Preferred Provider Organization (PPO) Plan, the Point of Service (POS) Plan, or a Health Maintenance Organization (HMO) Plan, premiums continue to be reduced from your paycheck on a pretax basis. If you are enrolled in the Catastrophic Plan when your leave begins, your coverage continues at no cost to you.

If you are a participant in the PPO Plan, your annual coinsurance limit is based on your annual base salary as of January 1 of the year in which the leave is taken.

While traveling in the U.S., coverage under the PPO Plan falls under either the In-Network or the Out-of-Network portion of the plan, depending on whether or not the provider/hospital participates in United HealthCare's national network. (The same is also true for the POS Plan; however Oxford Health Plans is a regional health care plan company.) You may call or utilize the websites of United HealthCare or Oxford Health Plans to determine whether or not a particular physician/hospital is part of the network. Under the HMO’s you are covered for emergencies only.

If you are traveling overseas on University-sponsored or University-related business and are enrolled in the PPO Plan, you may be eligible to receive the In-Network level of benefits coverage. Please contact your Office of Human Resources before beginning your leave to determine if you qualify for this benefit. If you participate in the POS Plan or an HMO, you may enroll in the PPO Plan. Please contact your Office of Human Resources before beginning your leave to make the appropriate change. If you choose to move to this health care plan while on leave, you must remain in that plan for the duration of the calendar year in which you return from leave. 

If you are traveling overseas on personal business that is not University-sponsored or University-related business (including vacation), your coverage in the PPO Plan falls under the Out-of-Network portion of the plan. Under the POS Plan or HMO’s you are covered for emergencies only.

Suspending Coverage
If you wish to discontinue your University health care plan coverage entirely while you are on leave, you must write to your Office of Human Resources requesting a personalized Benefit Enrollment Form. To reinstate coverage when you return to the University, you must notify your Office of Human Resources in writing one month before you return. You must be reinstated into the same health care plan that you were enrolled in prior to your leave of absence.

 Open Enrollment for Changes in Your Health Care Plan Coverage
If you plan to be away from the Princeton University campus during the annual open enrollment period (late October to mid-November), you should arrange for your department to forward the open enrollment mailings to you. If you miss the open enrollment period, no changes in health care plan coverage can be made until the following annual open enrollment period (with changes effective the following January 1), unless there is a change in family status.

Twenty-Four-Hour Travel Assistance Program
There is a 24 hour travel assistance program available for all faculty and staff who travel abroad for research or for a University approved program. The program is provided through the University and is administered by International SOS. This medical and security assistance program provides emergency response as well as online services and travel information.

The program includes:

  • Emergency Medical Evacuation/Return Home
  • Medical Assistance
  • Medically Supervised Repatriation
  • Medical Referrals and Monitoring
  • Emergency Replacement of Medication and Eyeglasses
  • Security/Political Evacuation

Personal Assistance

  • Pre-Trip Medical Referral Information
  • Embassy and Consular Information
  • Legal Assistance
  • Lost Baggage Assistance
  • Emergency Message Transmission
  • Access to Translators/Interpreters

Travel Assistance

  • Emergency Travel Arrangements
  • Transportation Arrangements for Family Members to join a Disabled Traveler

To obtain ISOS identification cards, contact the Office of Risk Management at 8-3046. For further information about the program, link to: http://www.princeton.edu/campuslife/travel/emergency_protocol/all_sos_information/pu_sos_info/ .

Vision Care Plan Coverage

Administered by Vision Service Plan (VSP)
1-800-877-7195; www.vsp.com

Coverage under the Vision Care Plan (VSP) continues during your leave of absence with pay. Premiums for the Vision Care Plan are reduced from your paycheck on a pretax basis. You may not suspend this coverage while on a leave of absence with pay.

While traveling inside the country, coverage under the VSP falls under either the In-Network or the Out-of-Network portion of the plan, depending on whether or not the provider participates in VSP's national network. (You may either call VSP or utilize their website to determine whether or not a particular provider participates in the network.) Coverage while traveling overseas is limited to the Out-of-Network portion of the plan.

Open Enrollment for Changes in Your Vision Care Plan (VSP) Coverage
If you plan to be away from the Princeton University campus during the annual open enrollment period (late October to mid-November), you should arrange for your department to forward the open enrollment mailings to you. If you miss the open enrollment period, no changes in the vision care plan coverage can be made until the following annual open enrollment period (with changes effective the following January 1), unless there is a change in family status.

Dental Care Plan Coverage

Administered by Horizon Dental, 800-433-6825; www.bcbsnj.com
Administered by Aetna Dental, 877-238-6200; www.aetna.com

Coverage under the Dental Care Plan continues during your leave of absence with pay. Premiums for the Dental Care Plan are reduced from your paycheck on a pretax basis. You may not suspend this coverage while on a leave of absence with pay.

Open Enrollment for Changes in Your Dental Care Plan Coverage
If you plan to be away from the Princeton University campus during the annual open enrollment period (late October to mid-November), you should arrange for your department to forward the open enrollment mailings to you. If you miss the open enrollment period, no changes in the dental care plan coverage can be made until the following annual open enrollment period (with changes effective the following January 1), unless there is a change in family status.

Health Benefit (HBEA) and Dependent Care Expense Account (DCEA) Plan Coverage

Administered by Crosby Benefit Systems
1-800-462-2235; www.crosbybenefits.com

Contributions to your expense account(s) continue to be reduced from your salary as long as you receive a salary from Princeton University. You may not suspend this coverage while on a leave with pay. Aetna U.S. Healthcare must receive all claims for reimbursement by the March 31 following the end of the calendar year in which the expense was incurred.

Open Enrollment for Expense Accounts
If you will be away from the Princeton campus during the University's annual open enrollment period (late October to mid-November), you should arrange for your department to forward the open enrollment mailings to you.   In order to receive coverage in a Health Benefit Expense Account (HBEA) or a Dependent Care Expense Account (DCEA), you must reenroll each calendar year during the annual open enrollment period.

Life Insurance Plan Coverage

Basic Coverage and Accidental Death and Dismemberment Coverage
Your Basic Life Insurance and Accidental Death and Dismemberment (AD&D) coverage continues under the University's Group Term Life Insurance Plan during a leave of absence with pay. The amount of your coverage during the leave is based on your annual base salary.

Supplemental Coverage
If you have elected Supplemental Life Insurance coverage, your premiums continue to be deducted from your paycheck each month. The premium payment is based on your annual base salary. While it is not possible to suspend Supplemental Life Insurance coverage during a leave, you may terminate it at any time by writing to your Office of Human Resources. However, if you reapply for the coverage at a later date, you will be required to provide evidence of insurability.

Business Travel Coverage
Your coverage continues under the University's Group Business Travel Insurance Plan during your leave with pay. The amount of your coverage is based on the actual salary that you receive during your leave. For example, if you are on a leave with half pay and your annual base salary is $50,000, your benefit is based on your actual salary or $25,000 (half of your annual base salary). If you are traveling because of University-sponsored or University-related business, please contact the Office of Risk Management at 258-3046 to obtain an ID card and information about Worldwide Assistance Services, Inc.

Temporary Disability Plan Coverage

You continue to be covered by the University's Temporary Disability Plan during a leave of absence with pay. Your benefit is based on the actual salary that you receive during your leave. For example, if you are approved for temporary disability while on a leave with half pay and your annual base salary is $50,000, your benefit is based on your actual salary or $25,000 (half of your annual base salary). Contact the Office of the Dean of the Faculty at 258-3096 for additional information.

Long-Term Disability Insurance Plan Coverage

If you have met the service requirement for coverage under the University's Long-Term Disability Insurance Plan on the day your leave with pay begins, coverage continues during the leave. Your benefit is based on your annual base salary at the onset of the disability. If it becomes necessary for you to receive a benefit under the Long-Term Disability Insurance Plan, your academic-related leave ends when your long-term disability leave begins.

Children's Educational Assistance Plan

This plan includes Tuition Grant and Supplemental Loan Programs. Benefits under the plan are available during a leave of absence with pay if you have met plan eligibility requirements at the time tuition grant and/or loan disbursements are made. Educational loan repayments will continue to be deducted from your paycheck. For applications and general information, contact your Office of Human Resources.

Mortgage Loan Program

Monthly mortgage payments continue to be deducted from your paycheck each month during a leave of absence with pay.


LEAVE WITHOUT PAY

Retirement Plans

Administered by TIAA-CREF
www.tiaa-cref.org

The University makes no contributions to the Princeton University Retirement Plan while you are on an unpaid leave of absence.

Voluntary, pretax contributions to the Tax Deferred Annuity (TDA) Plan, also known as a Supplemental Retirement Annuity (SRA), will also cease during this period.

Health Care Plan Coverage

Preferred Provider Organization (PPO) Plan
Administered by United HealthCare
877-609-2273; www.uhc.com

Point of Service (POS) Plan
Administered by Oxford Health Plans
800-303-9905; www.oxhp.com/

Aetna HMO (NJ/PA)
800-323-9930; www.aetna.com

Horizon HMO Blue
800-355-2583; www.bcbsnj.com

Catastrophic Plan
Administered by United HealthCare
877-609-2273

You may continue your health care plan coverage through the University while you are on a leave of absence without pay. If you are enrolled in the Preferred Provider Organization (PPO) Plan, the Point of Service (POS) Plan, or a Health Maintenance Organization (HMO) Plan, you receive a billing statement from Accounts Receivable, Office of the Treasurer, 3 New South Building. If you participate in the Catastrophic Plan, you are not billed, as this coverage is provided to you at no cost. Call 258-1825 if you have questions about the billing statement.

If you are a participant in the PPO Plan, your annual coinsurance limit is based on your annual base salary as of January 1 of the year in which the leave is taken.

While traveling in the U.S., coverage under the PPO Plan falls under either the In-Network or the Out-of-Network portion of the plan, depending on whether or not the provider/hospital participates in United HealthCare's national network. (The same is also true for the POS Plan; however Oxford Health Plans is a regional health care plan company.) You may call or utilize the websites of United HealthCare or Oxford Health Plans to determine whether or not a particular physician/hospital is a part of the network. Under the HMO’s you are covered for emergencies only.

If you are traveling overseas on University-sponsored or University-related business and are enrolled in the PPO Plan, you may be eligible to receive the In-Network level of benefits coverage. Please contact the Office of the Dean of the Faculty before beginning your leave to determine if you qualify for this benefit. If you participate in the POS Plan or an HMO, you may enroll in the PPO Plan. Please contact your Office of Human Resources before beginning your leave to make the appropriate change. If you choose to move to the PPO plan, you must remain in that plan for the duration of the calendar year in which you return from leave.

If you are traveling overseas on personal business that is not University-sponsored or University-related business (including vacation), your coverage in the PPO Plan falls under the Out-of-Network portion of the plans. Under the POS Plan and the HMO’s you are covered for emergencies only.

Suspending Coverage

If you wish to discontinue your University health care plan coverage entirely while you are on leave, you must write to your Office of Human Resources requesting that your health care plan coverage be suspended. To reinstate coverage when you return to the University, you must notify your Office of Human Resources in writing one month before you return. You must be reinstated into the same health care plan that you were enrolled in prior to your leave of absence.

Open Enrollment for Changes in Your Health Care Plan Coverage
If you plan to be away from the Princeton University campus during the annual open enrollment period (late October to mid-November), you should arrange for your department to forward the open enrollment mailings to you. If you miss the open enrollment period, no changes in health care plan coverage can be made until the following annual open enrollment period (with changes effective the following January 1), unless there is a change in family status.

Twenty-Four-Hour Travel Assistance Program
There is a 24 hour travel assistance program available for all faculty and staff who travel abroad for research or for a University approved program. The program is provided through the University and is administered by International SOS. This medical and security assistance program provides emergency response as well as online services and travel information.

The program includes:

  • Emergency Medical Evacuation/Return Home
  • Medical Assistance
  • Medically Supervised Repatriation
  • Medical Referrals and Monitoring
  • Emergency Replacement of Medication and Eyeglasses
  • Security/Political Evacuation

Personal Assistance

  • Pre-Trip Medical Referral Information
  • Embassy and Consular Information
  • Legal Assistance
  • Lost Baggage Assistance
  • Emergency Message Transmission
  • Access to Translators/Interpreters

Travel Assistance

  • Emergency Travel Arrangements
  • Transportation Arrangements for Family Members to join a Disabled Traveler

To obtain ISOS identification cards, contact the Office of Risk Management at 8-3046. For further information about the program, link to: http://www.princeton.edu/campuslife/travel/emergency_protocol/all_sos_information/pu_sos_info/ .

Vision Care Plan Coverage

Administered by Vision Service Plan (VSP)
1-800-877-7195; www.vsp.com

Coverage under the Vision Care Plan continues during a leave of absence without pay. You will receive a billing statement from Accounts Receivable, Office of the Treasurer, 3 New South Building. Call 258-1825 if you have questions about the billing statement.

While traveling inside the country, coverage under the Vision Care Plan falls under either the In-Network or the Out-of-Network portion of the plan, depending on whether or not the provider participates in VSP's national network. (You may either call VSP or utilize their website to determine whether or not a particular provider participates in the network.) Coverage while traveling overseas is limited to the Out-of-Network portion of the plan.

Open Enrollment for Changes in Your Vision Care Plan Coverage
If you plan to be away from the Princeton University campus during the annual open enrollment period (late October to mid-November), you should arrange for your department to forward the open enrollment mailings to you. If you miss the open enrollment period, no changes in the vision care plan coverage can be made until the following annual open enrollment period (with changes effective the following January 1), unless there is a change in family status.

Dental Care Plan Coverage

Administered by Horizon Dental, 800-433-6825; www.bcbsnj.com
Administered by Aetna Dental, 877-238-6200; www.aetna.com

Coverage under the Dental Care Plan continues during a leave of absence without pay. You will receive a billing statement from Accounts Receivable, Office of the Treasurer, 3 New South Building. Call 258-1825 if you have questions about the billing statement.

Open Enrollment for Changes in Your Dental Care Plan Coverage
If you plan to be away from the Princeton University campus during the annual open enrollment period (late October to mid-November), you should arrange for your department to forward the open enrollment mailings to you. If you miss the open enrollment period, no changes in the dental care plan coverage can be made until the following annual open enrollment period (with changes effective the following January 1), unless there is a change in family status.

Health Benefit (HBEA) and Dependent Care Expense Account Plan (DCEA) Coverage

Administered by Crosby Benefit Systems
1-800-462-2235; www.crosbybenefits.com

When you go on a leave of absence without pay, your election and participation in an expense account is revoked at the start of your leave, and no further contributions will be made. If you return from a leave without pay during the same calendar year, you may make a new election for an expense account. However, your total reimbursements for the entire calendar year cannot exceed $5,000. No expenses incurred during your leave without pay can be reimbursed from either the balance accrued prior to the start of your leave or the amount accrued from the new election made after the return from your leave without pay. Claims for eligible expenses may be filed until March 31 following the calendar year in which you took your leave. Because your participation in the expense account is terminated when you go on leave without pay, you are eligible to continue coverage under COBRA during the time you are on leave. However, any contributions you make under COBRA are made on an after-tax basis.

If you return to the University during a different calendar year and would like to reenroll in a HBEA or DCEA, you must notify your Office of Human Resources one month before your return.

Open Enrollment for Expense Accounts
You are not eligible to enroll in a Health Benefit Expense Account (HBEA) or a Dependent Care Expense Account (DCEA) during the University's annual open enrollment period during a leave without pay.

Life Insurance Plan Coverage

Basic Coverage and Accidental Death and Dismemberment Coverage
Your Basic Life Insurance and Accidental Death and Dismemberment (AD&D) coverage continues under the University's group term life insurance plan. The amount of your coverage during a leave of absence is based on your annual base salary.

Supplemental Coverage
If you have elected supplemental life insurance coverage, you will receive a billing statement from Accounts Receivable, Office of the Treasurer, 3 New South Building. The premium payment is based on your annual base salary. While it is not possible to suspend supplemental life insurance coverage during a leave, you may terminate it at any time by writing to your Office of Human Resources. However, if you reapply for the coverage at a later date, you will be required to provide evidence of insurability.

Business Travel Coverage
No coverage is available under this plan during a leave of absence without pay.

Temporary Disability Plan Coverage

No coverage is available under this plan during a leave of absence without pay. You may be eligible for coverage under the New Jersey State Temporary Disability Plan. Contact the Office of the Dean of the Faculty at 258-3096 for additional information.

Long-Term Disability Insurance Plan Coverage

If you have met the service requirement for coverage under the University's Long-Term Disability Insurance Plan on the day your leave without pay begins, coverage continues during the leave. Your benefit is based on your annual base salary at the onset of the disability. If it becomes necessary for you to receive a benefit under the Long-Term Disability Insurance Plan, your academic-related leave ends when your long-term disability leave begins.

Children's Educational Assistance Plan

This plan includes Tuition Grant and Supplemental Loan Programs. Benefits under the plan are available during a leave of absence without pay if you meet plan eligibility requirements at the time you apply for a grant or a loan. Repayment arrangements for existing loans are made through the Loan Department, Office of the Treasurer, 3 New South Building. Call 258-5039 for more information about repaying existing loans. For applications and general information, contact your Office of Human Resources.

Mortgage Loan Program

Monthly mortgage payments should continue to be paid during a leave without pay. Payments should be sent directly to Princeton University, Mortgage Department, P.O. Box 35, Princeton, NJ 08544. Call 258-6357 for additional information.


EXAMPLES

Outlined below are examples of the effect of a leave of absence on your pay and your benefits, whether you have a regular full-time schedule or a regular part-time schedule. Both examples are based on an annual base salary of $72,000 per year.

Example 1

Leave with full pay for the academic year salary

Salary
Your annual base salary is $72,000 and is received in ten equal monthly installments (that is, $7,200 per month from September 1 through June 30).

Benefits
There is no change unless you change health care plans. Your benefits continue as if you were working your regular schedule.

Example 2

Leave with half pay for the academic year salary

Salary
Your actual salary is $36,000 and is received in ten equal monthly installments (that is, $3,600 per month from September 1 through June 30).

Benefits
The following benefits are based on your annual base salary of $72,000 per year:

  • Preferred Provider Organization (PPO) Plan annual coinsurance limit (includes deductible)
  • Basic Life Insurance coverage, Accidental Death and Dismemberment coverage, and Supplemental Life Insurance coverage
  • Long-Term Disability Insurance Plan coverage

The following benefits are based on your actual salary of $36,000 per year:

  • Princeton University Retirement Plan: University contributions
  • Tax-deferred Annuity Plan: Faculty voluntary contributions
  • Temporary Disability Plan coverage
  • Business Travel Insurance Plan coverage

Example 3

Leave without pay for the academic year salary

Salary
None

Benefits
The following benefits are based on your annual base salary of $72,000 per year:

  • Preferred Provider Organization (PPO) Plan annual coinsurance limit (includes deductible)
  • Basic Life Insurance coverage, Accidental Death and Dismemberment coverage, and Supplemental Life Insurance coverage
  • Long-Term Disability Insurance Plan coverage

The following benefits are not available while on a leave without pay:

  • Princeton University Retirement Plan: University contributions
  • Tax-deferred Annuity Plan: Faculty voluntary contributions
  • Temporary Disability Plan coverage
  • Business Travel Insurance Plan coverage

Your annual base salary is $72,000 and is received in ten equal monthly installments (that is, $7,200 per month from September 1 through June 30).



GLOSSARY

Actual salary
Your actual salary is the amount that you receive during any specified period. Your actual salary during a leave is based on the appropriate percentage of your annual base salary (see the following definition), for example, 100 percent for a leave with full pay, 50 percent for a leave with half pay, or another percentage for a leave with partial pay.

Annual base salary
Your annual base salary is set each July 1 for the coming academic year and reflects the number of months and the percentage of duty time that you are scheduled to work. See below for the definition of full- and part-time work schedules.

Annual coinsurance limit
Your annual coinsurance limit is the maximum amount you pay out-of-pocket for your health care plan deductible and coinsurance in a calendar year before the plan pays 100 percent. The annual coinsurance limit only applies if you are a participant in the Preferred Provider Organization (PPO) Plan.

Change in family status

  • Marriage
  • Divorce
  • Death of a spouse or child
  • Birth or adoption of a child
  • Termination of your spouse's employment
  • Commencement of your spouse's employment
  • Transition from full-time to part-time or vice versa, by yourself or your spouse
  • You or your spouse take an unpaid leave of absence
  • You or your spouse return from an unpaid leave of absence
  • Any significant change in your family's health care plan coverage through your spouse's health care plan
Work schedule
A full-time work schedule is defined as:
  • At least ten months (fall and spring term)
  • 100 percent duty time
A part-time work schedule is defined as:
  • at least five months (fall or spring term) and at least 50 percent duty time

SUMMARY OF ELIGIBILITY FOR BENEFITS COVERAGE

 

Type of Leave

Benefit

Full Pay

Partial Pay

No Pay

Retirement Plan Contributions

 

 

 

  • University (Princeton University Retirement Plan)

Yes

Yes(1)

No

  • Faculty Member (Tax-deferred Annuity Plan)

Yes

Yes (1)

No

Health Care Plan Coverage

Yes

Yes (2)

Yes (2,*)

Expense Account(s) (HBEA/DCEA)

Yes

Yes

No (4)

Life Insurance Plan Coverage

 

 

 

  • Basic and AD&D

Yes

Yes (3)

Yes (3)

  • Supplemental

Yes

Yes (3)

Yes (3,*)

  • Business Travel

Yes

Yes (1)

No

Temporary Disability Plan Coverage

Yes

Yes (1)

No

Long-Term Disability Insurance Plan Coverage

Yes

Yes (3)

Yes (3)

(1) Contribution/Benefit based on actual salary.

(2) Preferred Provider Organization (PPO) Plan (if applicable) coinsurance limit based on annual base salary as of January 1.

(3) Based on annual base salary.

(4) Monthly contributions for the period of time you are not paid will be taken out of your first paycheck in total upon return from your leave.

(*) Billed.