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Human Resources

Benefits FAQ


Basic Questions

Q: How can I contact the Pace University office?
The Pace University Benefits Office is located at 100 Summit Lake Drive, Valhalla, NY 10595 Phone: (914) 923-2828 (or X22828) E-Mail: benefits@pace.edu Fax: (914) 989-8506


Q: Where can I find a comprehensive listing of the University's benefits providers?
Please click here for the carrier contact information.


Q: When is the next Open Enrollment period for active full-time employees?
Open Enrollment is typically in April/May for an effective date of July 1st.


Q: Where can I find information concerning Long-Term Care coverage?
Please click here.


Q: Where can I find more information on the Preventive Care Program?
Please click here.


Q: What benefits are available to part-time staff members?
Please click here for a listing of benefits available to part-time staff.

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CIGNA: General Questions

Q: The medical/vision/dental plan year is from July 1st through June 30th, is that the time period for deductibles as well?
No, deductibles and plan maximums are calculated on a calendar year.


Q: Does the University offer benefits to an employee's same- or opposite-sex domestic partner and/or domestic family?
Yes. Benefits eligibility is extended to same- or opposite-sex domestic partners (and domestic children) who are registered with the University Benefits office. The registration process, in most cases, requires documentation showing at least 2 years of common residency and at least 2 years of financial interdependence. Please click here for further information.


Q: What is my CIGNA Member ID number?
Your member number can be found on your CIGNA ID cards.


Q: I've lost my CIGNA ID card, how can I get a replacement?
Please contact CIGNA HealthCare via telephone at 1-800-CIGNA24 or access the web site, click here. Once you create a User Name and Password, you can order replacement cards online. CIGNA identifies you by either your CIGNA ID number or by your Social Security Number.


Q: I am a newly-hired full-time employee. How do I enroll in the University's Benefits programs?
As a new full-time employee, you must enroll in the benefits offered by the University within 31 (calendar) days of your full-time date of hire. Benefits will begin on the first of the month following (or coinciding with) your full-time date of hire.

The New Employee Orientation Program is an online program, which includes links to a narrated PowerPoint presentation, benefits plan summaries and per paycheck premiums, and enrollment forms. Please click here for a link to the New Employee Orientation program.

Please fax your completed enrollment forms to the University Benefits office at 914-989-8506.


Q: How can I make a change to my health benefit elections?
A: Changes to your benefits can be made during open enrollment. However, if you experience a qualifying life event, you have 31 days to submit change in status forms (found here) along with documentation. The new coverage will be effective on the first of the month following the qualifying event.

Qualifying Life Event Documentation Needed  
Divorce Copy of legal divorce documentation  
Marriage Copy of marriage certificate  
Birth or Adoption Copy of baby’s birth certificate and social security card Only the child may be added to the plan during the 31 day period, not your spouse.

In the case of adoption, we’ll need a copy of the appropriate legal documentation
Loss of Coverage Letter from spouse’s employer, which shows the type of coverage, date coverage ended, and names of those covered

Copy of marriage license and social security card
Your spouse must have been enrolled in dental coverage through his former employer in order to be eligible to enroll in the dental plan as a result of the same qualifying event.

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Commuter Reimbursement Accounts

Q: Can I increase/decrease the amount that I elect for BRI at any time?
Yes. You can even stop the contribution entirely. Please click here to access the Commuter Enrollment/Change Form. Please submit the completed form to the University Benefits office.


Q: How can I submit claims for parking?
Please click here to access the BRI Commuter Claim Form. Please submit the form and receipt(s) directly to BRI at the address listed on the form.


Q: How can I submit claims for mass transit?
You must use the eTRAC Commute debit card (which will be mailed to you automatically) for eligible mass transit expenses and may submit a claim form for eligible parking expenses. Please click here to access the BRI Commuter Claim Form. Please submit the form and receipts, for eligible parking expenses, directly to BRI at the address listed on the form.


Q: Where can I find information on the Mass Transit and Parking Commuter Reimbursement Accounts (CRAs)?
Please click here. The CRA accounts are for eligible mass transit and parking expenses only; tolls that you might pay, while driving to and from work, are not allowable under the CRA plans.


Q: I am a new CRA enrollee. When will the eTRAC Commute card be mailed to me?
eTrac cards (for transit accounts only) are mailed once per month, by the carrier, BRI; generally around the 10th of the month.

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Dental Coverage

Q: How can I find out what dental services are covered under my plan?
This information can be found in a couple of ways: (a) you may contact CIGNA Dental at 1-800-CIGNA24; or (b) click here to access information on the Dental DHMO and Dental PPO plans.


Q: If I do not elect the University's medical coverage, am I still eligible to enroll in dental coverage?
Yes. You may waive medical coverage and still enroll in dental coverage.


Q: The dental plan year is from July 1st through June 30th, is that the time period for deductibles as well?
No, deductibles and plan maximums are calculated on a calendar year.


Q: My child will be graduating from college in May. When does her dental coverage through CIGNA end?
A dependent child is covered to age 19 unless he/she is a full-time student. A full-time student is covered until the end of the month in which he/she turns age 23 (dental), provided that he/she maintains full-time student status. After that, he/she will be offered the opportunity to continue coverage on COBRA. Full-time is considered 12 credits for undergraduate level courses and 9 credits for graduate level courses.


Q: I have the CIGNA Dental PPO plan, but did not receive an ID card. What can I use for identification?
CIGNA Dental does not provide ID cards for this plan. Your ID number is your CIGNA Medical ID number or your Social Security Number. The University's account number is 3331784. The information that you'll need to file a claim is pre-printed on the CIGNA Dental PPO Claim Form, which is available on the Human Resources web page.

If your dentist participates in the CIGNA CORE network, which is considered to be in-network for this plan, he/she will be able to access your record in the system using either your CIGNA medical ID number or your SS number.

If your dentist does not participate in the CIGNA CORE network, thereby considered to be out-of-network, you would generally pay in advance and submit the CIGNA Dental PPO Claim Form. The contact telephone number is the same as for medical 1-800-CIGNA24.


Q: What is the difference between the CIGNA Dental DHMO plan and the CIGNA Dental PPO plan?

The CIGNA Dental DHMO plan is a DMO. This means that you have in-network coverage only. You must select a primary care dentist and visit only that dentist for services. You can change dentists, but you have to call CIGNA Dental prior to visiting the new dentist. If this is not done, the services will not be covered. Please confirm (with CIGNA Dental) the date that your coverage with the new dentist begins. You will receive an ID card with this plan.

The CIGNA Dental PPO plan offers both in- and out-of-network coverage. You do not have to select a primary care dentist. For out-of-network services, you will, most likely, be required to pay at the time of service and submit a claim form .You will not receive an ID card for this plan.

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Disability

Q: I am a full-time employee. Where can I find information concerning Long-Term Disability (LTD) benefits?

Please click here.

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FMLA

Q: I am a full-time employee. Where can I find information on Family and Medical Leave (FMLA)?

Please click here. Approved FMLA leave may be taken in a lump sum of 12 work weeks or it may be taken on an intermittent basis. The only exception is for maternity-related FMLA, which must be taken on a continuous basis.


Q: How can I begin the FMLA process?
Please contact the University's FMLA plan administrator, CIGNA, at 1-888-842-4462, to begin the process.


Q: Do I get paid while I am on an approved FMLA leave?
FMLA is an unpaid, job-protected leave.  In the cases where the FMLA leave is related to an eligible employee’s disability, the eligible employee may be eligible to receive concurrent salary continuation through the University’s Short-Term Disability benefit. Please click here for more information on Short-Term Disability.   

While on FMLA, if an eligible employee is not being paid by the University, the eligible employee is required to utilize accrued paid leave first to continue salary for all or a portion of the FMLA leave, depending upon its duration.  If accrued paid leave is exhausted, the eligible employee may, at their option, use unaccrued vacation. Please review the Vacation policy, which states, "While vacation days may be taken in advance of when they are actually accrued, employees should plan their vacation days carefully throughout the year, and particularly at the start of the accrual cycle. In the event of termination of employment, the employee is expected to reimburse the University for any vacation time taken that has not been accrued."

Please be sure that your supervisor and the University Benefits office are notified so that your KRONOS record can be updated accordingly during this time.


Q: What happens to my benefits while I am on approved unpaid FMLA leave?
FMLA leave protects your health benefits only (medical, vision, dental). Depending upon the duration of your leave, you may be required to prepay your employee contributions for these benefits while on approved unpaid FMLA leave. All other benefits will cease. You will be provided the opportunity to convert certain benefits (voluntary life insurance – regarding basic life insurance, there is a 12-week continuation for those on approved FMLA. If it extends beyond 12 weeks, the employee will have to convert - long-term care, etc.) to individual policies. This process must be completed within 31 days of the beginning of your unpaid FMLA leave. Please contact the University Benefits office for further information. Once you return from approved unpaid FMLA leave, you will have 31 days to re-enroll in your non-health related benefits.


Q: What happens to my benefits while I am on approved FMLA leave and I am being paid by the University?
All benefits continue during the time period where an eligible employee is approved for FMLA and is also being paid by the University.


Q: What is the maximum amount of FMLA leave available?
The maximum amount of FMLA leave, for an eligible full-time employee, is 12 weeks within a 52-week period. FMLA also includes a special leave entitlement that permits eligible employees to take up to 26 weeks of leave to care for a covered service member during a single 12-month period. A covered service member is a current member of the Armed Forces, including a member of the National Guard or Reserves, who has a serious injury or illness incurred in the line of duty on active duty that may render the service member medically unfit to perform his or her duties for which the service member is undergoing medical treatment, recuperation, or therapy; or is in outpatient status; or is on the temporary disability retired list.


Q: When can FMLA leave be used?
FMLA leave can be used in the case of a serious health condition of the employee or of an employee's family member (spouse, son, daughter or parent). In addition, eligible employees with a spouse, son, daughter, or parent on active duty or call to active duty status in the National Guard or Reserves in support of a contingency operation may use their 12-week leave entitlement to address certain qualifying exigencies. Qualifying exigencies may include attending certain military events, arranging for alternative childcare, addressing certain financial and legal arrangements, attending certain counseling sessions, and attending post-deployment reintegration briefings.

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Health Reimbursement Accounts

Q: How can I submit claims?
Please click here to access the PayFlex FSA Claim Form. Please submit the form and receipt directly to PayFlex at the address listed on the form.


Q: Where can I find information on the Flexible Spending Account (FSA) programs?
Please click here for information on both the Health Care FSA program and the Child and Dependent Care FSA program.


Q: What is a Health Savings Account (HSA)?
An HSA is a special, tax advantaged bank account that is owned by you and is designed to allow you to contribute funds on a pre-tax or tax-deductible basis. You may use the funds to pay for eligible medical /health care expenses. Employees enrolled in the HDHP medical plan may choose to contribute to an HSA account.

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Life Insurance

Q: When can I change my life insurance beneficiaries?
You may change your beneficiaries at any time by submitting a Beneficiary Designation/Change Form to the University Benefits office. Please click here to access the form. Please ensure that the form is completed in its entirety (including the percentage of benefit payable to each beneficiary, your signature, and the date).


Q: What is the maximum combined limit of basic and supplemental life insurance?
The maximum combined limit is $750,000.


Q: What is the maximum guaranteed issue for supplemental life insurance?
The maximum guaranteed issue for supplemental life insurance is $400,000. Amounts above the guaranteed issue require medical evidence of insurability and approval by the carrier.


Q: As an active full-time employee, does the value of my supplemental life insurance ever reduce?
Yes. For active full-time employees, supplemental life insurance benefits reduce to 67% at age 70 and 50% at age 75.


Q: Can I change the amount of my life insurance during the plan year?
You may decrease the amount of supplemental life insurance at any time during the year; however, increases can only be made during the University's Open Enrollment period. You may also be eligible to update your life insurance coverage during the plan year as a result of certain qualifying events. Please contact the University Benefits office for further information.

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Maternity Leave

Q: Where can I find more information on Maternity Leave?
Please click here.

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Medical Coverage

Q: How do I submit an out-of-network medical claim to CIGNA?
Please click here for a link to the Out of Network Claim Form - CIGNA. The form and payment receipt(s) should be submitted directly to CIGNA at the address listed on the form.


Q: I am an active full-time employee who meets the Rule of 75 requirements and am nearing age 65. Am I required to enroll in Medicare if I do not plan to retire in the near future?
Active, full-time employees, and their covered spouses who are age 65, generally enroll in Medicare Part A (Hospitalization), which is available at no cost. However, your University medical coverage will still be primary. Upon qualified retirement (attainment of the Rule of 75 requirements), you must enroll in Medicare B (Medical) coverage. From that point on, your Medicare coverage will become primary and the coverage offered by the University, if you are eligible, will become secondary. Please visit Medicare's site, at www.medicare.gov, for further information and to access the current Medicare and You handbook.


Q: How can I find a listing of in-network CIGNA medical providers?
Log onto the CIGNA web page and click the Provider Search feature under the Home tab. Please click here.


Q: My child will be graduating from college in May. When does her medical coverage through CIGNA end?
The Patient Protection and Affordable Care Act (PPACA), which was signed into law in March 2010, requires health care plans to extend dependent care medical coverage to eligible individuals to age 26, effective the first plan year that begins on or after September 23, 2010 - without regard for financial dependency, residency, student or marital status. This legislation impacted the University as of July 1, 2011.

You may also elect the NY Young Adult Option, which offers premiums that are 2% less than COBRA. Please contact the University Benefits office for further information.


Q: I am enrolled in the Network Core plan, which covers in-network services only. What if I travel to California to visit my son and need to see a doctor?
The CIGNA Open Access Plus network is a national network. You should be able to log into your CIGNA account, please click here or contact CIGNA directly, at 1-800-CIGNA24, to access an in-network provider in California. Out-of-network services, for those on the CIGNA In-Net 50 plan or Network Core plan, are covered on an emergency basis only. If the services are not coded as emergency services by the out-of-network provider, the charges will not be covered.

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Prescription

Q: How can I find out what Tier my medication is under?
Visit the CIGNA web page, at www.mycigna.com or contact CIGNA Tel-Drug at 1-800-835-3784.


Q: What are the prescription plan co-pays?
The prescription co-pays for the In-Net 50 plan (for those enrolled as of June 30, 2013 only) are $25 (generic), $45 (preferred brand), $85 (non-preferred brand). The prescription co-pays for the Network Core plan, the Network Choice 90/70 plan and the100/70 plan (for those enrolled as of July 1, 2015 only) are $20 (generic), $35 (preferred brand), and $60 for (non-preferred brand).

Members enrolled in the Consumer Core HDHP/HSA plan must meet the (collective) calendar year deductible, then pay 20%, 30%, or 40% of prescription costs until the calendar year Out-of-Pocket Maximum is reached. At that point, the plan pays 100% of covered charges for the remainder of the calendar year.

Certain maintenance medications (those taken every day) may be available through mail-order at 1 co-payment for a 90-day supply. For further information regarding mail-order, please contact CIGNA Tel-Drug at 1-800-TelDrug (1-800-835-3784).

There is a calendar year deductible for the pharmacy benefit for non-generic prescriptions. The deductible is $125 per individual, $375 per family. This deductible applies to prescriptions filled via either a retail pharmacy or through mail order.


Q: When I become a qualified (Rule of 75) retiree, should I enroll in Medicare Part D (Prescription) coverage?
Please click here for information concerning Medicare Part D coverage. If you enroll in a Medicare prescription drug plan as a qualified retiree, you will no longer be eligible for coverage under the University's medical plans (which include prescription drug coverage). All of your medical and prescription drug coverage will end. However, if you terminate Medicare prescription drug coverage, you will be able to re-enroll in the University's medical coverage during a future retiree Open Enrollment period.

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Retirement

Q: Can I increase/decrease the amount that I contribute to my 403(b) Defined Contribution Retirement Plan account during the calendar year?
Yes. Please submit the Defined Contribution Retirement Plan 403(B) Salary Reduction Agreement form (please click here to access the form) to the University Benefits office.


Q: I have a loan application from TIAA. Who can sign off on my marital status?
If you are single, please fax the form to the University Benefits office for sign-off. The form will be returned to you for submission to TIAA. Please allow 2 - 3 business days for turnaround time.

If you are married, the Spousal Waiver section of the TIAA form must be signed by your spouse in front of a Notary Public. The notarized form should be submitted directly to TIAA.


Q: What is the most that I can contribute to my retirement plan in 2016?
The IRS maximum for 2016 is $18,000. Those aged 50+ may contribute an additional $6,000 ($24,000 combined maximum).


Q: How can I change the direction of my 403(b) retirement plan funds?
You can update your allocations online with TIAAvia www.tiaa-cref.org/pace. You may also contact the carrier directly at 1-800-842-2776. If you have funds remaining with our prior carriers, please call them directly: Fidelity Investments, 1-800-343-0860, or T. Rowe Price, 1- 800-492-7670.


Q: How can I change the beneficiaries for my retirement plan?
You may update your beneficiaries online with TIAA at www.tiaa-cref.org/pace or by contacting TIAA at 1-800-842-2776. If you have funds remaining with our previous carriers, please call them directly: Fidelity Investments, 1-800-343-0860, or T. Rowe Price, 1- 800-492-7670.


Q: I worked for Pace University on a part-time (non-student employee) basis prior to being hired full-time. Am I eligible to waive the service requirement to receive the University's contribution to the 403(b) plan?
No. Prior part-time service is not factored into the calculation of one's eligibility to receive the University contribution to the 403b Defined Contribution Retirement Plan.


Q: When am I eligible to receive the University's contribution to my 403(b) Defined Contribution Retirement Plan?
As a full-time employee, there is an age and years of service requirement that must be met prior to commencement of the University's contribution.

All full time employees who meet the following age and full-time criteria are eligible to receive the University's contribution to the 403(b) Defined Contribution Retirement Plan:

Age Service
21-25 years 2 years
26 + years 1 year

This eligibility criteria may be waived or credited upon establishing service requirements stated above at another institution of higher education or 501(c) 3 organization. Employment with the former institution or organization must be within three years of full-time employment at Pace University.

Once eligible, you are required to contribute 3% of your base salary in order to receive the University's 9% contribution.

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Tuition Remission

Q: Where can I find out more information about On-Campus Tuition Remission?

  • If you are a full-time faculty or staff member, please click here.
  • If you are a part-time staff member, please click here.
  • If you are a part-time faculty member (including UAFP faculty), please click here.

Q: What happens to the on-campus Tuition remission benefit when my child turns age 24?
For undergraduate classes: The 100% tuition remission benefit will continue to age 30 provided that the child matriculated prior to turning 24. If not, the benefit drops to 50% for ages 24 - 30. For graduate classes: The benefit drops to 50% from age 24 to 30 (25% for Special Programs).

All on-campus tuition remission benefits for dependent children cease at age 30.


Q: Where can I find information/forms pertaining to the Off-Campus Tuition Remission benefit?

  • Please click here for information regarding the Off-Campus Tuition Remission benefit for an employee.
  • Please click here for information regarding the Off-Campus Tuition Remission benefit for an employee's dependent child.

Q: Where can I find out more information about the tuition exchange program?
Please click here.

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Vision Coverage

Q: How can I file a claim for CIGNA Vision?
Please click here to access the CIGNA Vision Claim Form. Please submit the form and receipt(s) to CIGNA at the address listed on the form.


Q: What vision benefits are covered through CIGNA medical and what benefits are covered through CIGNA Vision?
In general, medical conditions of the eye (such as glaucoma and conjunctivitis) are covered through your CIGNA medical plan. Vision exams, eyeglasses, and contact lenses are covered through CIGNA Vision. Please click here to access the CIGNA Vision plan summary.


Q: Do I have to enroll in the CIGNA Vision plan separately?
If you are enrolled in a CIGNA medical plan, then you are automatically enrolled in CIGNA Vision. If you waive CIGNA medical coverage, you can still enroll in CIGNA Vision. Please click here for the CIGNA Vision per paycheck premiums through June 30th (for those who waive medical coverage). Participants will receive a separate ID card for CIGNA Vision.


Q: Where can I find details about what my plan covers?
Please click here for the Summaries of Coverage (abbreviated). Please click here to access the Certificates of Coverage (comprehensive).


Q: How can I find an in-network provider for CIGNA Vision?
You can find an in-network provider by accessing CIGNA website, click here. In addition, you can contact CIGNA Vision Customer Service at 1-877-478-7557.

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Workers' Compensation

Q: Who is the University's Workers' Compensation carrier?
The University's Workers' Compensation carrier is the New York State Insurance Fund.

  • For employees who work on the Westchester campuses:
    New York State Insurance Fund
    105 Corporate Park Drive, Suite 200
    White Plains, NY 10604
    (914) 701-2120
  • For employees who work on the New York City campuses:
    New York State Insurance Fund
    199 Church Street
    New York, NY 10007
    (212) 312-9000

Q: What should I do if I am injured at work?
Notify your campus Security Office and your supervisor immediately. Security will complete an Incident Report, which will be forwarded to the University Benefits office. University Benefits will file the claim with our Workers' Compensation carrier and will send a letter, which explains the process, to your home address.


Q: If I have to seek medical attention for an injury that occurred at work, should I provide the doctor or hospital with my CIGNA ID card?
No. Workers' Compensation claims are handled differently. Please ensure that the incident has been reported to your campus Security Office and give the provider the contact information for the University's Workers' Compensation carrier, the New York State Insurance Fund, rather than your CIGNA ID card.

  • For the Westchester campuses:
    New York State Insurance Fund
    105 Corporate Park Drive, Suite 200
    White Plains, NY 10604
    (914) 701-2120
  • For the New York City campuses:
    New York State Insurance Fund
    199 Church Street
    New York, NY 10007
    (212) 312-9000

Q: Should I wait until I have received a Workers' Compensation claim number before seeking medical attention for my work-related injury?
No. Provided that the incident has been reported to your campus Security Office, please give the medical provider the name, address, and phone number of the Workers' Compensation carrier.

  • For employees who work on the Westchester campuses:
    New York State Insurance Fund
    105 Corporate Park Drive, Suite 200
    White Plains, NY 10604
    (914) 701-2120
  • For employees who work on the New York City campuses:
    New York State Insurance Fund
    199 Church Street
    New York, NY 10007
    (212) 312-9000

The University's policy number is 2018154-1.

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