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Benefits for Employees Funded Through UBF

The benefits available through UB Foundation (UBF) are designed to meet the needs of today's workforce. You have a choice of benefits that will enable you to design a benefits package specifically for you and your family.

Not Paid Through UBF?

Return to My Benefits and the Employee Profile.

How Do Flexible Benefits Work?

When you are initially hired and/or become eligible, you will enroll for most benefits through the BSwift Benefit System, which allows you to choose the benefits you and your family need.

The BSwift Benefit System provides a summary of your current benefit elections and general information on all UBF benefits, including plan descriptions. You can also use the library section of the BSwift Benefit System to find: 

  • Summary Plan Descriptions (SPD)
  • Provider website links
  • Benefit forms 

Benefit Elections

Benefit elections for medical, dental, vision, and flexible spending accounts are effective until December 31 of the calendar year that you enrolled, provided you continue to meet eligibility requirements. Because these are section 125 benefits, you cannot change these options (medical, dental, vision, health FSA) any time during the calendar year unless there is an IRS qualified “life event”.

Index of Life Events Exceptions

While you are generally only allowed to change your benefits elections during the open enrollment period each year, certain life events provide an exception. Those life events allow you to change your benefits elections in the middle of the plan year if certain requirements are met.

The following are examples of types of life events that may allow you to change your benefit elections during a plan year:

  • Birth/Adoption
  • Change in Insurance Coverage
  • Change of Address (which affects plan eligibility)
  • Change in Employment Status
  • Death in the Family
  • Dependent Child Reaches Limiting Age
  • Divorce/Annulment
  • Domestic Partnership
  • FMLA-related Leave
  • Legal Separation
  • Loss / Gain of Other Coverage
  • Marriage
  • Medicare / Medicaid Eligibility
  • Significant Coverage Reduction or Cost Increase

Please notify the UBF Benefits Department immediately if you experience any life event changes so that we can ensure there is no interruption or error in your benefits. You will have 30 days from the date of the life event to make the change.

Open Enrollment

UBF annual open enrollment is offered in late fall of each year and gives you the opportunity to review and select the same or different benefits using the BSwift Benefit System. You will be notified in advance of the Open Enrollment period. 

Frequently Asked Questions About Benefits

How do I learn about my benefits?

UBF conducts a benefits orientation the first Tuesday of every month starting at 9:00 a.m. at the Center for Tomorrow, North Campus. This orientation would be most beneficial for newly eligible participants, however, all participants are welcome to attend. 

Preregistration is appreciated, but not required, by calling 716-645-8731 or sending email to Joyce Weeman

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

Are graduate students eligible for benefits?

No, but you may be reimbursed 88% of the student's cost and 73% of dependent cost for health insurance. 

In order to receive reimbursement, submit a copy of tuition bill showing insurance and a zero balance due to the UBF payroll department via email ubf-timesheets@buffalo.edu, campus mail, or US Mail.  Upon receipt, UBF will verify the graduate student's eligibility of working 10 hours per week and will process the reimbursement with the next payroll. 

Campus Mail:

UBF Payroll Department

103 Center for Tomorrow

North Campus

 

US Mail:

UBF Payroll Department

PO Box 900

Buffalo, NY  14226-0900

Donna Mountain

Payroll Accountant

UB Foundation

Phone: 716-645-8732

Email: donnamou@buffalo.edu

When are benefits available to individuals on payroll administered by UBF?

Most coverages are available on the first day of the month following the date of hire or eligibility date.

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

Benefit Types

Medical Insurance

Medical Insurance offered through Independent Health allows you to see a participating doctor. The Independent Health plans provide:

  • Extensive coverage for hospital services
  • Routine and major medical care
  • Preventive services, many of which have no copayment.

Medical Insurance Eligibility

The insurance is available to eligible salaried individuals and hourly workers who are regularly scheduled to work 20 hours or more per week. Coverage is effective on the first day of the month following date of hire or eligibility date. Eligible dependents or students are covered up to age 26.

Cost

UBF shares the cost of health insurance coverage with the participants. Your share of medical insurance is currently paid with pretax dollars.

Plan Options

The Independent Health options include:

  • Encompass D plan (for individuals residing in Western New York)
  • Flex Fit plans (for individuals residing in Western New York)
  • Preferred Provider Organization (PPO) plan (only available to those who reside outside of Western New York). 

A detailed summary of these plans is available in the Library section on the BSwift Benefit System, and is also available from the UBF Benefits Department.

Medical Highlights

Independent Health (In Network Benefits)

Mobile Users: Swipe to scroll table

  Encompass D  Flex Fit Active Flex Fit Family PPO**
Office Visit Primary $20    

$10 Adult

$25 Child    

$15 Adult

$0 Child    

$20    
Office Visit – Specialist $20 $25     $25     $20    
Inpatient Hospital Stay $0     $0     $0     $0    
Prescription Drug $10 / $30 / $50 $10 / $30 / $50 $10 / $30 / $50 $10 / $30 / $50

Emergency Room/

Ambulance

$150/$100 $150/$150 $150/$150 $150/$100

After Hours

Urgent Care Centers

$45 $35 $35 $75
Outpatient Surgery (facility) $75 $150 $125 $150
Out of Network Benefits Yes Yes Yes Yes
Additional Benefits     Not applicable $250 for health club membership & alternative therapies $250 for activity programs & sports/fitness programs Not applicable

** Available to Participants outside of Western New York Only

Enrolling in Medical Insurance

Opt Out

If you receive health insurance through your spouse's employer and you have a full-time appointment, you may elect to waive health coverage through UBF and receive cash, paid as taxable income. The cash amount is $600.00 annually, paid $25 on the first two pays of each month. You must be able to document that you receive coverage elsewhere to be eligible for this option.

Exception

If you are covered under your spouse’s medical insurance and he or she receives his or her medical benefits from UBFA or another UB Pay line, you are not eligible for Opt Out.

Contact an Expert

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

Dental and Vision Insurance

Dental Insurance

Dental Insurance

The Guardian Traditional Plan covers preventive services at 100%, requires a calendar year deductible and co-payment for other services, and allows you to visit the dentist of your choice within the provider network.  

Dental Insurance Eligibility

Dental coverage is offered to eligible salaried individuals and hourly workers who are regularly scheduled to work 20 hours or more per week. The coverage is effective on the first day of the month following date of hire or eligibility date.

Cost

Dental coverage is offered at no cost. 

Dental Highlights

Dental Highlights     Guardian - Traditional Plan    
Preventive Care    
(e.g. cleanings) 
100% Scheduled Items 
$0 Deductible      
Basic Care 
(e.g. fillings)    
80% Scheduled Items 
$25 Deductible  
Major Care
(e.g. crowns/dentures)
 
60% Scheduled Items    
$25 Deductible    
Orthodontia     50% to a maximum of $1,500    
Dependent Age 26

Contact an Expert

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

Vision Insurance

Vision Insurance

UBF offers optional vision insurance through Davis Vision. The plan provides an exam and lenses or contacts every 12 months for all participants, with frames available every 24 months.

Vision Insurance Eligibility

Eligibility is based on an appointment as UB Faculty or staff on a UBF funded account and working a minimum of 20 hours per week. The coverage is effective on the first day of the month following date of hire or eligibility date.

Vision Insurance Enrollment

Enrollment is handled through the BSwift Benefit System.

Cost

The cost of the vision insurance paid with pre-tax dollars by way of payroll deductions, subscriber is responsible for 100% of the cost.

Contact an Expert

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

Retirement Plan

An eligible individual will qualify for the Retirement Plan based on the criteria set forth in the Summary Plan Description (SPD).

UB Faculty and staff contributions are made to a participant’s TIAA-CREF contract based on eligible earnings.  The waiting period is waived if an individual has previous employer contributions in a TIAA-CREF account.

UBF Funded Retirement Contributions

9% of salary Up to $16,500
12% of salary From $16,501 to annual salary

UB Faculty and staff pre-tax contributions can be made immediately upon appointment to a position funded by UBF resources. See the IRS website for the current year contribution limits.

Please login to bswift and review the Summary Plan Description (SPD). If you do not have access to bswift, please contact the UBF benefits department.

Catch up contributions for the 403(b) plan can also be made by those who qualify. See the IRS website for the current year guidelines and limits. 

Enrolling

Contact an Expert

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

College Savings Program

The college savings program allows you to make contributions directly from your paycheck to New York State’s College Savings Program, which offers a practical solution for sending a child to college. All individuals are eligible. 

Contact an Expert

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

Life Insurance

Short Term Disability Insurance

Short term disability is required by New York State (NYS) and is provided to all individuals at no cost, effective on their hire date. NYS disability coverage provides 50% of your salary to a maximum of $170/week.

Supplemental Short Term Disability Insurance

All individuals also have the opportunity to purchase additional disability income coverage for an off-the-job accident or sickness, as a supplement to New York State disability.

Long Term Disability Insurance

All individuals who become eligible for the employer contribution into the Retirement Plan also receive Long Term Disability (LTD) Insurance at no cost. This insurance becomes effective when the participant becomes totally disabled for a continuous period of 180 days, and will pay 60% of the individual's base monthly earnings to a maximum of $10,000 per month. The waiting period is waived if the individual has a TIAA-CREF account from a previous employer.

Cancer Insurance

The cancer insurance program allows you to purchase additional coverage to compliment your medical plan due to cancer-related expenses.

Eligibility:

  • All salaried individuals with a 0.5 FTE or more appointment
  • Hourly workers who are regularly scheduled to work 20 hours or more per week

Life and Accidental Death and Dismemberment Insurance

Basic group term life insurance and accidental death and dismemberment (AD&D) insurance of $15,000 is provided at no cost to all individuals who hold a full-time appointment (37.5 hours per week or more). Coverage is effective on the first day of the month following date of hire or eligibility date.

Supplemental Life Insurance and Accidental Death and Dismemberment Insurance

The option to purchase supplemental life insurance coverage is available to eligible individuals. Up to five (5) times salary in increments of $10,000 may be purchased (not to exceed $500,000). If not purchased with initial eligibility you may be required to provide “Evidence of Insurability.”

Spousal Life Insurance and Accidental Death and Dismemberment Insurance

Optional spousal life and accidental death and dismemberment (AD&D) coverage is also available to eligible individuals. Up to 100% of employee amount in increments of $5,000 may be purchased (not to exceed $500,000).

In order to participate, the individual must elect supplemental life or AD&D coverage. If not purchased with initial eligibility, you may be required to provide “Evidence of Insurability.”

Child Life Insurance and Accidental Death and Dismemberment Insurance

Optional spousal and child life insurance and accidental death and dismemberment (AD&D) coverage is also available to eligible individuals. Coverage amounts must be either $2,000 or $4,000. In order to participate, the individual must elect supplemental life or AD&D coverage.

How to Enroll

Enroll in insurance programs through the BSwift Benefits Program.

Contact an Expert

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

Employee Assistance Program

This benefit provides access (at no cost) to consultants, resources and online tools designed to help balance work-life issues.

Related Link

Emergency Travel Assistance

This benefit provides assistance (at no cost) for various travel emergencies when you are traveling for business or personal reasons. The coverage is available for travel 100 or more miles from home, including travel to a foreign country.

Contact an Expert

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

Flexible Spending Account (FSA)

There are two types of accounts available: Health, and Dependent Care. These accounts are set up so you can set aside pre-tax dollars to cover eligible medical and dependent care expenses.

FSA Eligibility

Faculty and staff who hold a full-time appointment are eligible to enroll in either or both of the Flexible Spending Accounts (FSA).

Enrollment will be effective on the first day of the month following date of hire or eligibility date.

How It Works

  1. When you enroll, the minimum you may set aside is $200 for either of the FSA accounts.
  2. Each payroll period, the bi-weekly amount (calculated on your annual amount requested divided by the pay periods left in the calendar year) will be deducted from your paycheck and deposited in your FSA.
  3. Independent Heath issues a FSA debit card that can be used to pay for eligible medical expenses or you can choose to pay out of pocket and submit a claim for reimbursement.
  4. At the end of the claim processing year, you will forfeit any amounts left in your account.

Enroll

  1. Download and print the FSA enrollment form
  2. Complete the form
  3. Make a copy for your records
  4. Submit to UBF benefits department 

Annually, you will be able to make these elections through the online enrollment process. New hires or individuals with qualifying events who choose to participate in the FSA program will complete the enrollment form included on the BSwift Benefit System (in the Library section, under Content).

Campus Mail

UB Foundation
Center for Tomorrow
North Campus

External Mail (USPS)

UB Foundation
P.O. Box 900
Buffalo, NY 14226-0900

Make a Claim

  1. Download and print the FSA claim form
  2. Complete the form
  3. Make a copy for your records
  4. Submit to Independent Heath at the address listed on the form

Eligible Expenses Under the FSA

Medical Expenses

Medical expenses are medically related services that are not reimbursable through insurance are eligible.  

Due to health care reform provisions, over the counter (OTC) drugs, unless prescribed by a physician, are no longer eligible expenses under the Health FSA.

Dependent Care

Dependent care expenses may be eligible depending on where dependents receive care, their age, and other factors.

Contact an Expert

Robin Hoeltke

Payroll and Benefits Administration Manager

UB Foundation

Phone: (716) 645-8735

Email: rhoeltke@buffalo.edu

Joyce Weeman

Benefits Specialist

UB Foundation

Phone: 716-645-8731

Email: joycewee@buffalo.edu

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