Benefit Deductions
Overview
Based on your primary assignment, you may have 12, 10 or 9 annual benefit deductions.
Employee with 12 Benefit Deductions
The employee is 'Salary Pay', 'Academic Salary Pay', or 'Hourly' and works the calendar year or works the academic year but has 12 paychecks.
Employee with 10 Benefit Deductions
The employee has 'Academic Salary Pay', and has an FTE of .5 or greater, and has 10 paychecks (August-May).
Employee with 9 Benefit Deductions
The employee is 'Hourly', has an FTE of .5 or greater, and will have nine (9) benefit deductions in a fiscal year (September-May)
Finding Your Benefit Deductions
- Log into UNI Works.
- Go to the Profile icon on the upper right side of the screen, click View Profile.
- Click on the Benefits on the left hand menu.
- Click View Details on any Health Care and Accounts tile.
- Review You Pay (Monthly) for your benefit deduction schedule. If it does not specify 9 or 10 deductions you have 12 monthly deductions.
Payroll Adjustments
Benefit adjustments may appear on an employee’s payslip for a couple of different reasons. Employees who have their benefit premiums deducted out of nine (9) or ten (10) paychecks will typically see these adjustments. These adjustments will commonly appear the first month their insurance begins, if experiencing a change in coverage due to a qualified life event, or the last month of employment. Adjustments may be seen on health, dental, vision, or voluntary term life.
Employees with 9 Annual Deductions
Employees who pay for their benefits out of nine paychecks (September – May) will see an adjustment on their paycheck if there is a change in benefit plan or plan option. This is a one time adjustment and is calculated based on what the nine (9) annual deduction employee paid the previous month and what they need to pay, or be credited, compared to twelve (12) annual deductions. Please see the following examples using current UNI PPO health insurance premiums.
Example 1: Employee Terminates Coverage in June
| Calendar Year | 12 Annual Deductions | 9 Annual Deductions |
|---|---|---|
| January | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| February | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| March | 1/12 deduction $475.65 | 1/9 deduction $634.200 |
| April | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| May | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| June | 1/12 deduction $475.65 | No deduction |
| TOTAL | = $2,853.90 | = $3,171.00 |
| DIFFERENCE (12 Annual Deductions TOTAL - 9 Annual Deductions TOTAL ) = -$317.10 results in a credit for the employee if they have 9 annual deductions. | ||
| Results in a $317.10 credit for the employee if they have 9 annual deductions. | ||
Example 2: Employee Terminates Coverage in October
| Calendar Year | 12 Annual Deductions | 9 Annual Deductions |
|---|---|---|
| January | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| February | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| March | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| April | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| May | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| June | 1/12 deduction $475.65 | No deduction |
| July | 1/12 deduction $475.65 | No deduction |
| August | 1/12 deduction $475.65 | No deduction |
| September | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| October | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| November | No deduction | No deduction |
| December | No deduction | No deduction |
| TOTAL | = $4,756.50 | = $4,439.40 |
| DIFFERENCE (12 Annual Deductions TOTAL - 9 Annual Deductions TOTAL) = $317.10 | ||
| Employee who has 9 annual deductions owes $317.10 for coverage through October. | ||
Newly eligible employees who pay for their benefits out of nine paychecks (September - May) will also see an adjustment on their first paycheck in which benefits are deducted. This is to ensure that the correct amount owed or credited is applied immediately. Please see the following examples using UNI PPO health insurance premiums.
Example: January New Hire Date
| Calendar Year | 12 Annual Deductions | 9 Annual Deductions |
|---|---|---|
| January | No deduction – New Hire Begins | No deduction – New Hire Begins |
| February | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| March | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| April | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| May | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| June | 1/12 deduction $379.50 | No deduction |
| July | 1/12 deduction $379.50 | No deduction |
| August | 1/12 deduction $379.50 | No deduction |
| September | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| October | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| November | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| December | 1/12 deduction $475.65 | 1/9 deduction $634.20 |
| TOTAL | = $5,232.15 | = $5073.60 |
| DIFFERENCE (12 Annual Deductions TOTAL - 9 Annual Deductions TOTAL) = $158.55 | ||
| Employee who has 9 annual deductions will have an adjustment of $158.55 on their February paycheck in order to catch them up in premiums. | ||
New Hire Adjustments 10 Annual Deductions
Newly eligible employees who pay for their benefits out of ten paychecks (August – May) will see an adjustment on their first paycheck in which benefits are deducted. This is to ensure that the correct amount owed or credited is applied immediately. Please see the following examples using UNI PPO health insurance premiums.
Example
| Calendar Year | 12 Annual Deductions | 10 Annual Deductions |
|---|---|---|
| January | No deduction – New Hire | No deduction – New Hire |
| February | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| March | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| April | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| May | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| June | 1/12 deduction $475.65 | No deduction |
| July | 1/12 deduction $475.65 | No deduction |
| August | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| September | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| October | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| November | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| December | 1/12 deduction $475.65 | 1/10 deduction $570.78 |
| TOTAL | = $5,232.15 | = $5,137.02 |
| DIFFERENCE (12 Annual Deductions TOTAL - 10 Annual Deductions TOTAL) = $95.13 | ||
| Employee who has 10 annual deductions will have an adjustment of $95.13 on their February paycheck in order to catch them up in premiums. | ||
Wherever conflicts occur between the contents of this site and the contracts, rules, regulations, or laws governing the administration of the various programs, the terms set forth in the various program contracts, rules, regulations, or laws shall prevail. Space does not permit listing all limitations and exclusions that apply to each plan. Before using your benefits, review the plan's coverage manual. Benefits provided can be changed at any time without the consent of participants.