Postdoctoral Fellow Benefits at a Glance

Welcome to the University of Nevada, Reno.  The following information is a summary of the benefits you are entitled to as an employee. In the event of any difference between the terms of this summary document and the plan or governance documents, the terms of the plan or governance documents will prevail.

Group Health Insurance

Coverage begins on the first day of the first full month of employment. Enrollment must take place within 15 days of start date.

Employee Coverage

Employee coverage includes:

  • $25,000 Term Life Insurance
  • Medical
  • Dental
  • Vision (limited)
  • Travel Policies
  • Long Term Disability, which covers 60% of gross earnings capped at $7,500.00/month
Dependent Coverage

Dependent coverage includes:

  • Medical
  • Dental
  • Vision (limited)
  • Travel Insurance
Health Insurance Options
Monthly employee insurance premium rates are for Plan Year 2019 (07-01-18 through 6-30-19)

Benefit Description

State of Nevada Statewide PPO Consumer Driven Health Plan (CDHP)

Premier Plan Exclusive Provider Organization (EPO)

Annual Deductible  

$1,500 Individual / $3,000 Family ($2,600 Individual Family Member Deductible)

No Deductible


20% paid by participant after deductible

No Co-Insurance

Primary Care Physician

20% paid by participant after deductible

$25 co-pay

Specialty Physician

20% paid by participant after deductible

$45 co-pay

Urgent Care

20% paid by participant after deductible

$50 co-pay

Emergency Care

20% paid by participant after deductible

$300 co-pay (waived if admitted to the hospital)

Hospital Inpatient

20% paid by participant after deductible

$500 co-pay per admit

Heath Savings Account / Health Reimbursement Arrangement

Employee Only: $700+*$200

Dependents: $200 each

(up to 3 dependents)

*Plan Year 2019 enhancement as part of a preventive care program & enrollment in Doctor on Demand and Health Care Blue Book.


Out-of-Pocket Maximum

$3,900 Individual / $7,800 Family

$7,150 individual

$14,300 family

Covered Individuals
Insurance Rates for Qualified Individuals

Covered Individuals

Statewide PPO Consumer Driven Health Plan (CDHP)

Premier Plan Exclusive Provider Organization (EPO)

Employee Only



Employee + Spouse/Domestic Partner



Employee + Child(ren)



Employee + Family



Mandatory Retirement Plans

Mandatory Retirement Plan

Postdoctoral employees who are hired on a contract of at least 50% are provided with a mandatory defined contribution 403(b) retirement plan commencing on  their date of hire.

Under the terms of the Retirement Plan, employees must contribute 6.2% of their gross salary to the Plan. The employee contributions made to the Plan are before income taxes are calculated. The employer also makes a matching 6.2% contribution.

Both the employee and the employer contributions are invested into a 403(b) account. The employee selects the funding vehicles for investment of their retirement contributions from the fund sponsor TIAA CREF. The plan provides for immediate vesting. Additional information is available online on our Retirement Medical Plan page.

Voluntary Retirement Plans

As an employee of the Nevada System of Higher Education (NSHE) and the State of Nevada, you are eligible to participate in two Voluntary Retirement Plans that are explained below. Each plan has a basic annual contribution limit. In addition, if you are age 50 or older, you are eligible to contribute an additional amount. The voluntary retirement plans provide for employee contributions on a pre-tax basis. There are no employer matching contributions.

  • NSHE Supplemental 403(b) Plan

    NSHE Supplemental 403(b) Plan allows you to set aside additional pre-tax or post-tax (Roth) savings for your retirement. Free in-person financial counseling offered on UNR campus, low institutional fees and monitored funds provided in the program; funds available for loans. TIAA is a record keeper for this supplemental retirement program. Additional information is available on our 403(b) Plan page.

  • State of Nevada Deferred Compensation (NDC) 457 PLAN

    The NDC 457 Plan allows you to set aside compensation under the program to a supplemental retirement plan. Pre-tax and Roth options are available. VOYA Financial is a record keeper for this program. Additional information is available from the Benefits office.

Additional Benefits

For further information regarding the following benefits, contact HR Shared Services Benefits at 784-6082, unless otherwise indicated.

  • Annual Leave

    Faculty on a full-time “A” contract will receive two days per full month to a maximum accrual of 48 days at the end of the fiscal year.

  • Sick Leave

    Faculty on a full-time “A” or “B” contract starts his or her first year with 30 days. After the first year, two days per full month are accrued to a maximum of 96 days

  • Pre-Tax Saving Accounts

    Health Savings Account (HSA) is a tax-exempt medical savings account for employees enrolled in a PPO plan. Contributions may be started and changed anytime, subject to IRS calendar maximum. Medical Flex Spending Account (FSA) is a tax-exempt medical account to be used for qualified medical expenses. Dependent care FSA allows employees to pay for dependent care expenses with pre-tax dollars. Additional information is available on our Voluntary Benefits page.

  • Voluntary Benefits Plans

    Long term care, supplemental term life, auto/homeowners/renters, short-term disability, college 529 plan, and a legal plan are available through payroll deduction. Additional information is available on our Voluntary Benefits page.

  • Educational Benefits | Grant in Aid

    Postdoctoral fellows and their qualifying family members will be considered in-state residents for tuition purposes. There is no fee waiver available. For additional information call UNR Human Resources at 784-6082.

  • State Income Tax

    No state income tax in Nevada.

  • Medicare Tax

    All new employees pay 1.45% Medicare tax, which is matched 100% by the University.

  • Workers' Compensation

    Covers employees in the event of work-related injuries. It is important to know the procedures to follow to make sure claims are processed appropriately. 

    HR Shared Services Workers' Compensation

  • Recreation Facilities

    The E.L. Wiegand Fitness Center offers an annual or semester membership. For an additional charge you may also include family members. For information about the E.L. Wiegand Fitness Center contact 784-4041 or visit their website.

    E. L. Wiegand Fitness Center

Accessibility Statement

We are committed to the accessibility of all content hosted on our servers. This page contains links to one or more third-party websites. If you experience any issues accessing linked third-party content, please contact our office or your department for assistance.