Life Insurance

Benefits Enhancement Program - Powered by Corestream

The University of Alaska partners with Corestream to provide UA employees with the Benefit Enhancement Program - Powered by Corestream. This program provides discounts for Hospital Indemnity Insurance, Identity Theft Insurance, Legal Insurance, and Pet Insurance! With the exception of pet insurance through ASPCA, these are conveniently provided through payroll deduction. Each of these benefits are post-tax benefits.

 

Corestream Enrollment​

  • All Employees (including temporary and student employees) have access to Corestream Recommended Deals page. The recommended deals page has hundreds of deals or discounts for top brands including car rentals, beauty products, pet products, sporting events, hotels, and more!
  • Benefit-eligible employees have access to all Corestream benefits. Here you can use your single sign on to enroll in Hospital Indemnity Insurance, Identity Theft Insurance, Legal Insurance, and Pet Insurance.
  • All Employees have access to Corestream Recommended Deals which are available at any time with no additional enrollment necessary.
  • Benefit-Eligible Employees can enroll in these services within their first 30 days of employment, during open enrollment, or within 30 days of a qualifying life event. To enroll or make changes, use your single sign on to log in to Corestream's webpage. 

If elected before the 15th of the month, coverage begins on the first of the month immediately following. If elected between the 16th and end of the month, coverage begins on the first of the following month. Coverage end dates follow this same logic. 

  • Every employee is on a 26 pay period (12 month) deduction schedule for their benefits
  • Employees who work less than 26 pay periods in a fiscal year (9, 10, and 11-month employees) will accrue arrears on missed deductions during the time they are off-contract or otherwise experiencing leave without pay
  • Review the FAQ below to understand what arrears are and how they apply

Viewing the Arrears Balance
Employees can view arrears balance at any time on UAOnline by clicking on "Employee Service" > "Benefits & Deductions" > "Arrears Balance."

Arrears are missed deductions. 

For example: An employee who is off-contract and not receiving pay will not have deductions collected from their $0.00 paycheck. When an employee returns to work and begins receiving pay again, the deductions will restart and the arrears balance will begin to be repaid in the specific amounts listed in the "how are arrears repaid" drop down menu below. 

Arrears apply to any employee who has active deductions that require arrears and that employee experiences a pay period where they do not receive pay.

Employees who are off contract
Employees who are in an off contract status are not receiving pay. This will generate arrears for their missed deductions during the pay periods where an employee was off contract. When an employee returns back to an on contract status, they will begin paying for their deductions again, including any arrears that need to be paid off.

Leave without pay
Employees who experience leave without pay in excess of 10 days must reach out to ua-benefits@alaska.edu to discuss the potential for Family Medical Leave (FML), Short-term Disability (STD), and other benefits that might apply to a specific situation. Some cases - such as an approved Leave of Absence - will be a COBRA event. Specific situations can be reviewed with individual employees. 

  1. Premium health care
  2. Basic health care
  3. HDHP
  4. Premium dental
  5. Basic dental
  6. Vision
  7. Health Care Flexible Spending Account (HC FSA)
  8. Corestream Voluntary Benefits
  9. Supplemental life - employee
  10. Supplemental life - spouse
  11. Supplemental life - child
  12. Accidental Death & Dismemberment - employee
  13. Accidental Death & Dismemberment - family
  1. HSAs
  2. FSA dependent care accounts
  3. Pet insurance (Pet insurance payments are made directly with ASPCA and are not included in payroll deduction. Employees are responsible for these premiums.)

There are two repayment schedules for arrears: 100% and 40%.​

This repayment schedule is for:

  1. Health Care Flexible Spending Account (HC FSA)
  2. Corestream Voluntary Benefits

100% Schedule
Arrears will be paid biweekly when the employee returns to work at a rate of 100% of the current deduction(s) until the arrears balance is paid.

This means that the employee will pay 200% of the biweekly deduction until the arrears balance is paid off.

Example
An employee is currently contributing to a HC FSA at $100 per pay period.

This employee goes off contract for 4 pay periods. This means that the employee has missed $100 x 4 ($400) deductions for their HC FSA.

When the employee returns to work, the employee will pay $100 for their deduction and $100 toward the arrears balance ($200 deduction in total).

The arrears balance will be paid off in 4 pay periods. At that time, the deduction will return to $100 per pay period.

This repayment schedule is for:

  1. Premium health care
  2. Basic health care
  3. HDHP
  4. Premium dental
  5. Basic dental
  6. Vision
  7. Supplemental life - employee
  8. Supplemental life - spouse
  9. Supplemental life - child
  10. Accidental Death & Dismemberment - employee
  11. Accidental Death & Dismemberment - family

40% schedule
Arrears will be paid biweekly when the employee returns to work at a rate of 40% of the current deduction(s) until the arrears balance is paid.

This means that the employee will pay 140% of the biweekly deduction until the arrears balance is paid off.

Example
An employee is currently enrolled in premium medical, premium dental, and vision for employee, spouse, and 2 dependent children. The employees current biweekly deduction for these coverages is:

  • $361.47 Premium medical family
  • $25.94 Premium dental family
  • $1.90 Vision family
  • $389.31 total per pay period

This employee goes off contract for 4 pay periods. This means that the employee has missed $389.31 x 4 ($1,557.24) deductions for their coverages.

When the employee returns to work, the employee will pay $389.31 for their deductions and 40% of each of their deductions toward the arrears balance:

  • $144.59 Premium medical family
  • $10.38 Premium dental family
  • $.76 Vision family
  • $155.73 total arrears per pay period

This means the employee would pay:

  • $389.31 total per pay period for deductions
  • $155.73 total arrears per pay period
  • $545.04 total

The arrears balance will be paid off in 10 pay periods. At that time, the deduction will return to $389.31 per pay period.


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Corestream Basics

Hartford Hospital Indemnity Insurance
Protect yourself with (1) Accident, (2) Critical Illness and (3) Hospital Indemnity Insurance with Hartford to  help provide financial support so you can focus on what’s important – getting better! You can enroll in each of these three coverages separately. 

Legal Shield
Having legal insurance can help you be prepared for any legal undertakings.

Allstate Identity Theft
Protecting your identity is a full time job and you don't have to face it alone.

ASPCA Pet Insurance
Protect your pet (and your wallet) with affordable pet health insurance. Please note - pet insurance is not managed through payroll deduction and will be purchased directly from ASPCA with a provided discount code. 

Biweekly premiums will vary depending on the coverages elected. Corestream will provide UA with updated enrollment information each pay period. Pet insurance is managed directly ASPCA (meaning, pet insurance is not eligible for payroll deduction). 

Corestream

1-907-331-6938 | universityofalaskasupport@corestream.com

Corestream | 

UA Benefits Team