Voluntary benefits
Invest in the coverage you and your family need most.
NSHE offers several voluntary benefits options to its employees. Many of the optional plans are available through payroll deduction, and enrollment can be completed through the Benefits Worklet on your Workday desktop:
- Log into Workday
- Go to the Benefits Worklet
- Choose the Tab in the Change Column titled: Benefits
- Choose the Button under Benefit Event Type titled: Voluntary Benefit Plans
- Enter the current date
- Submit
- Go to Workday Inbox to complete elections
Accident Insurance
Metlife offers Accident Insurance to help out with sudden and often costly accidents. Even with health insurance, employees still would be responsible for copayments, coinsurance, and living expenses. The impact of a sudden accident can have dire financial consequences. With Accident Insurance, employees receive a lump sum payment for covered events related to an accident that can help cover those costs. Regardless of insurance coverage, Metlife pays the benefit amount directly to employees. For more information on Metlife Voluntary Products, visit the Metlife website. To enroll in a Metlife voluntary product, navigate to the Workday page and click on the Benefits worklet. Navigate to the Benefits tab in the change column to enroll in Voluntary Benefit Plans.
Cancer Care Insurance
NSHE offers two cancer insurance plans for employees through American Fidelity Cancer Insurance. Plans are available to employees under age 65 who have not previously been diagnosed as having cancer. Both plans will provide coverage for the actual charges incurred by a covered person for the treatment of cancer, leukemia, or Hodgkin's disease. Employee and family plans are available. For more information, you may visit the American Fidelity Cancer Insurance website.
For enrollment, navigate to the Workday page and click on the Benefits worklet. Navigate to the Benefits tab in the change column to enroll in Voluntary Benefit Plans.
Legal Plan: Metlaw (Hyatt Legal)
Whether you are buying a new home, drawing up a will or just need some legal advice, MetLaw can give you easy access to experienced, participating attorneys, plus you will receive a wide range of covered legal services for a low monthly fee. You may enroll in this plan as a new hire within 60 days of your start date or once a year during open enrollment in May. You will be required to remain in the plan for the remainder of the plan year (plan year for MetLaw runs July 1 through June 30 of each year). For more information, please visit Hyatt Legal Website (a MetLife Company). Choose the "Learn About your Legal Plan" link and use password METLAW for access.
Short-Term Disability Insurance: American Fidelity
Disability Income Insurance pays a monthly benefit up to 60% of your salary if you become disabled on a short-term basis. Benefits begin on the 15th day of disability and pay up to 180 days or to age 70, whichever occurs first. Your coverage will take effect on the requested effective date following the date your application is approved, provided you are actively employed and premium is paid. If you are not enrolled in PEBP medical insurance, this is the only Short-Term Disability policy that you are eligible to enroll. For more information, you may visit the American Fidelity Benefits website.
Term Life Insurance-Standard Insurance (comprehensive medical package)
If you participate in the State of Nevada PEBP sponsored medical plan, part of the comprehensive medical package is a basic term life insurance policy in the amount of $25,000. Your monthly health insurance premium includes this term life insurance policy coverage. Your health insurance premium will be deducted from your NSHE pay advice each month. This term life insurance coverage helps protect your loved ones in the event of your death. See the Standard Life Insurance Certificate for more detailed information about this coverage.
Term Life Insurance: Western Insurance
Western Insurance offers supplemental life insurance coverage underwritten by Sun Life Financial Inc. (rated A++ Superior). New employees will be provided up to $300,000 “guaranteed issue” coverage, limited to four times salary. The first $150,000 is a “guaranteed issue” regardless of salary for the eligible employee and $50,000 “guaranteed issue” coverage for the spouse/domestic partner. The “guaranteed issue” means that an applicant does not have to submit evidence of insurability (health-based questions), provided the employee applies during the first 60 days of the date of hire/eligibility. Current employees are eligible for up to $500,000 coverage for employees and $250,000 for the spouse/domestic partner, subject to evidence of insurability. For more information and to apply, please visit the Western Insurance website or call (775) 826-2333.
Western Insurance Accidental Death and Dismemberment (AD& D) Policy
Employees enrolled in the Western Term Life Insurance Policy are eligible to add on additional AD&D coverage. In addition to the accidental death coverage, the policy also includes coverage for accidental dismemberment and pays a schedule of benefits that involve loss of hearing, loss of sight, paralysis, bereavement counseling, and rehabilitative training. For more information and to apply, please visit the Western Insurance website or call (775) 826-2333.
Enrollment for these voluntary products will occur outside of Workday. The monthly premium can be set up for payroll deduction.
Auto and Home Insurance: Liberty Mutual
As a State of Nevada employee, you could save up to 10% on quality auto and home insurance tailored to your needs. Valuable protection offered to you includes Better Care Replacement, Employee Parking Guard, Convenient Payroll Deduction, Renter’s Insurance and more. For more information, contact Liberty Mutual at (775) 323-8600 visit the Liberty Mutual Website.
Flexible Spending Accounts-ASI Flex Medical Savings Account
Enrollment into this plan is available during the initial hire, during the annual Open Enrollment Event, or if there is a mid-year qualifying event.
The Section 125 -Flexible Spending Account (FSA) is a tax-free account that allows you to set aside tax-free money for your routine health care and dependent daycare expenses. Employees may enroll as new hires or once a year during open enrollment in May. Employees may contribute up to $3,050 for medical FSA and up to $5,000 for dependent care per plan year (July 1 – June 30). Any contribution amounts that are not used by the end of the plan year are forfeited to the NSHE plan as required by IRS regulations.
FSA Plan Options
Standard FSA: For EPO / HMO / PPO with H.R.A. Participants only. This plan allows EPO, HMO, or PPO-HRA participants to use pre-tax dollars to pay for eligible medical expenses for self and tax dependents that are not covered under your health insurance plan. Eligible expenses include co-payments, coinsurance, deductibles, physician office visits, most prescriptions, glasses, contacts, and dental visits.
Limited FSA
For PPO – Health Savings Account (HSA) Participants ONLY; allows PPO-HSA participants to use pre-tax dollars to pay for eligible vision and dental expenses. All other medical expenses are eligible for payment through the HSA.
Dependent Care FSA
For any active employee who has a tax-dependent child under the age of 13, a parent or other elderly dependent, or a spouse who is mentally or physically incapable of caring for him or herself; allows participants to set aside pre-tax dollars for eligible expenses, such as licensed nursery school, daycare center, care inside your home and eldercare.
Please visit the ASI Flex webpage for more information.
Health Saving Account-Medical Savings Account with HSA Bank
The Health Savings Account (HSA) is a tax-exempt medical savings account for employees enrolled in a high deductible (CDHD PPO) health plan that is administered by HSA Bank. HSA funds can be used for qualified health care expenses like doctor visits, lab and diagnostic tests, dental procedures, vision exams and much more. If you are enrolled in the CDHP plan offered by PEBP, you will receive a contribution to your HSA account every July. Participants enrolled in the HSA account may also make additional contributions to the account not to exceed the limit set by the IRS each tax year. Your pre-tax contributions can be started, stopped, or changed at any time. Please visit PEBP Website for more information.
Long-Term Care Insurance -UNUM
A significantly discounted Long Term Care (LTC) insurance plan with UNUM is available for State of Nevada employees and their extended family members. This program has features that are not often found in today's individual market, including:
- Informal Home Care - Friends and family can provide care and receive payment through optional plan enhancements.
- Lifetime benefits available as an enhancement - Lifetime benefits are no longer offered by the majority of carriers, yet many families with care histories like Alzheimer's find this feature very important.
- Unisex pricing - Same-aged males and females pay the same premium regardless of gender. In today's individual market, most female rates are 50-100% more than male rates.
- Reduced Medical Underwriting - Most individual policies today require medical underwriting that includes attending physician statements, blood draws and urine samples on every applicant. The plan through your organization has fewer underwriting requirements.
For more information and resources – and to enroll, please the PEBP Long Term Care Website.
Voluntary Short-Term Disability: Standard Insurance
If you participate in the State of Nevada PEBP sponsored medical plan, PEBP provides you with the opportunity to purchase voluntary short-term disability insurance. This policy is designed to pay a benefit to you if you are unable to work because of a covered illness, injury, or pregnancy. This benefit replaces up to 60% of your weekly earnings to help meet financial commitments in a time of need. For more information about this policy and enrollment instructions, please visit the PEBP Standard Website or call 1-888-288-1270.
Voluntary Term Life Insurance-Standard Insurance:
If you participate in the State of Nevada PEBP sponsored medical plan, PEBP provides you with the opportunity to purchase voluntary LIFE, AD&D and Dependent Life Insurance policies at group rates from The Standard. This policy includes additional services including Beneficiary Financial Counseling, Travel Assistance, and more. For more information about this policy and enrollment instructions, see the PEBP Standard Insurance Website or call 1-888-288-1270.
NSHE products | Enroll through Workday
Plan enrollment may be subject to NSHE's annual open enrollment period, May 1 through May 31.
PEBP products | Enroll through PEBP Portal
Plan enrollment may be subject to PEBP's annual open enrollment period, May 1 through May 31.
Accident Insurance
For more information, you may contact the plan administrator:
NSHE – MetLife: (800) 438-6388
PEBP – The Standard (via Corestream): (855) 901-1100
Accidental Death and Dismemberment (AD&D) Insurance*
Example: $250,000 Life Insurance and AD&D coverage for a 30-year-old female employee (non-smoker). *Life Insurance election is mandatory for both AD&D plan options.
|
NSHE | Western Insurance |
PEBP | The Standard |
|
$25.75 a month |
$27.50 a month |
For more information, you may contact the plan administrator:
NSHE – Western Insurance | (775) 826-2333
PEBP – The Standard | (888) 288-1270
Auto, Home & Renter's Insurance
PEBP Participants may enroll through the E-PEBP Member Portal after July 1, 2019.
Cancer Care
Example: Basic plan for employees only
|
NSHE | American Fidelity |
PEBP | n/a |
|
$22 a month |
not offered |
For more information, you may contact the plan administrator:
NSHE – American Fidelity: (800) 438-6388
Critical Illness Insurance
Example: $15,000 coverage for a 30-year-old female employee (non-smoker)
|
NSHE | MetLife |
PEBP | Aflac |
|
$15.90 a month |
$7.29 a month |
For more information, you may contact the plan administrator:
NSHE – MetLife: (800) 438-6388
PEBP – The Standard (via Corestream): (855) 901-1100
Hospital Indemnity Insurance
Example: Coverage for employees only
|
NSHE | MetLife |
PEBP | Aflac |
|
Low plan -$13.71 a month |
$11.78 a month |
For more information, you may contact the plan administrator:
NSHE – MetLife: (800) 438-6388
PEBP – The Standard (via Corestream): 855) 901-1100
Identity Protection
Example: Reporting from 3 bureaus for employee only
|
NSHE | n/a |
PEBP | ID Watchdog |
|
not offered |
$15.70 a month |
For more information, you may contact the plan administrator:
PEBP – ID Watchdog (via Corestream): (855) 901-1100
Legal Services
|
NSHE | MetLife Legal |
PEBP | Nationwide LegalEASE |
|
$17.35 a month |
$16.85 a month |
For more information, you may contact the plan administrator:
NSHE – MetLife Legal Plans: (800) 821-6400
PEBP – Nationwide LegalEASE (via Corestream): (855) 901-1100
Pet Insurance
PEBP – Nationwide (via Corestream): (855) 901-1100
Short-Term Disability Insurance
For more information, you may contact the plan administrator:
NSHE – American Fidelity: (800) 438-6388
PEBP – The Standard (via Corestream): (855) 901-1100
Vision Care
Example: Buy-up plan for employees only
|
NSHE | n/a |
PEBP | VSP |
|
not offered |
$9.09 a month |
For more information, you may contact the plan administrator:
PEBP – VSP (via Corestream): (855) 901-1100
Voluntary Life Insurance
Example: $100,000 Life Insurance coverage for a 30-year-old female employee (non-smoker)
|
NSHE | Western Insurance |
PEBP | The Standard |
|
$8.40 a month |
$11.00 a month* |
*AD&D coverage is part of this voluntary life insurance plan.
For more information, you may contact the plan administrator:
NSHE – Western Insurance: (775) 826-2333
PEBP – The Standard: (888) 288-1270
Long Term Care
Example: Base plan for a 50-year-old employee (Facility Monthly Benefit = $1000 for 3 years)
|
NSHE | n/a |
PEBP | UNUM |
|
not offered |
$10.70 a month |
Have questions or need assistance?
Email: LTCHelp@agis.com
Phone: (877) 485-2318
