Post-Tax Benefits

Long-Term Disability:

Long-term disability provides 66 2/3 of your basic monthly earnings, less any other benefits, up to $9,000 per month. Monthly benefits begin on the 31st or 91st day of disability depending on the plan. NOTE: This plan will not cover any disability that results from a pre-existing condition in the first 12 months after the effective date of coverage.

Long-term disability insurance is available to all salaried (A&P, Faculty and USPS) employees at the University of North Florida working at least 20 hours per week. Coverage is not available to Other Personnel Services (OPS) employees. Employees pay the full premium amount on a post-tax basis. Employees are guaranteed coverage during their first sixty days of employment.

How to Enroll :
  • Review the long-term disability brochure and complete the attached enrollment form
  • Complete long-term disability evidence of insurability application if enrolling more than 60 days after your date of hire
  • Submit form(s) to your UNF benefits representative
  • Print applicable certificate of coverage for 30-day elimination or 90-day elimination plan

Contact:

Long-Term Care:

Long-term care insurance provides coverage to individuals who are unable to perform at least two activities of daily living or to someone who has severe cognitive impairment. This coverage may be used to cover expenses relating to care in a skilled nursing facility or home-based care.

Long-term care insurance is available to all salaried (A&P, Faculty and USPS) employees at the University of North Florida working at least 30 hours per week. Coverage is not available to Other Personnel Services (OPS) employees. Employees pay the full premium amount on a post-tax basis. Employees are guaranteed coverage during their first sixty days of employment. Employees and eligible family members are allowed to enroll at any time by submitting the enrollment form with the evidence of insurability application.

How to Enroll:
  • See your UNF benefits representative for a long-term care enrollment form
  • Submit form(s) to your Gabor representative

Contact:

Accidental Death & Dismemberment (AD&D) Insurance :

Accidental Death & Dismemberment (AD&D) Insurance offers protection against financial hardships that may occur when death is the result of an accident and provides help during a recovery or rehabilitation period if the insured suffers an accidental dismemberment. In addition to the employee, this insurance is available to the employee's spouse or eligible dependents.

Additional features through AD&D insurance include the following:

  • Paralysis benefit
  • Educational benefit
  • Survivor's benefit
  • Exposure and disappearance benefit
  • Seat belt and air bag
  • Common carrier benefit
  • Felonious assault benefit

AD&D insurance is available to salaried (A&P, Faculty and USPS) employees at the University of North Florida working a minimum of 30 hours per week. Coverage is not available to Other Personnel Service (OPS) employees. Employees pay the full premium amount on a post-tax basis, and enrollment in this plan may occur at any time. Coverage is also available for an employee's dependents.

How to Enroll:
  • Contact your Gabor Representative and complete the necessary enrollment form and/or application
  • Submit form(s) to your Gabor Representative

Contact:

Gabor Life Insurance :

Term Life insurance provides a benefit depending on the insured's age and has a limit that is also dependent on the insured's age. This insurance also provides a disability benefit and accelerated living benefit. At termination, the insured may convert the policy to Whole Life insurance during the 31 days following employment. At retirement, the employee may continue up to $20,000 of term life insurance with certain provisions.

Cash Value life insurance provides a benefit up to three times the employee's salary with a maximum of $150,000. In addition, this insurance contains cash, loan and other non-forfeiture values. At termination, the insured may continue with no conversion necessary. *For enrollment in this plan, the employee must contact a representative from The Gabor Agency.

Universal Life life insurance provides a benefit up to three times the employee's salary with a maximum of $150,000. This insurance allows the face value and premiums to be raised or lowered according to the insured's needs. Upon termination of employment, the policy may be continued with no increase in premiums and no conversion necessary. *For enrollment in this plan, the employee must contact a representative from The Gabor Agency.

Term, cash value and universal life insurance are available to salaried (A&P, Faculty and USPS) employees at the University of North Florida working at least 30 hours per week. Coverage is not available to Other Personnel Service (OPS) employees. Employees pay the full premium amount on a post-tax basis. Employees are guaranteed coverage during their first sixty days of employment. Coverage is available for an employee's spouse and children.

How to Enroll:
  • Contact The Gabor Agency

Contact:

Vision Insurance:

The vision plan offers an extensive network of optometrists and ophthalmologists for employees and their eligible dependents. The benefits include routine eye care exams, glasses, (lenses and frame) or contact lenses.

Vision insurance is available to all budgeted (Administrative, Faculty and Support Staff) employees at the University of North Florida. Coverage is not available to Other Personnel Service (OPS) employees. Employees pay the full premium amount on a post-tax basis and can enroll at any time.

How to Enroll:

Contacts: