Benefits Enhancement Program - Powered by Corestream
The Benefit Enhancement Program - Powered by Corestream 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.
All Employees - Corestream Recommended Deals
All employees - including temporary employees - have access to Corestream's 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 - Corestream Full Site
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 - Corestream Recommended Deals
The deals page is available at any time.
Benefit-Eligible Employees - Corestream Full Site
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.
Corestream
The Benefits Enhancement Program - Powered by Corestream - is available to benefit
eligible employees who wish to enroll in supplemental coverages including Hospital
Indemnity Insurance, Identity Theft Insurance, Legal Insurance, and Pet Insurance.
These coverages are conveniently provided through payroll deduction with the exception
of pet insurance with ASPCA. All benefits are post-tax.
Online Portal
Access the online portal using your single sign on at the Corestream webpage.
Supplemental Coverages Provided
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 Premium
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).
Arrears
As of July 1, 2023, all employees - regardless of contract length - will be on a 26
pay period (12 month) deduction schedule. This means that employees who work less
than 26 pay periods in a fiscal year (9, 10, and 11-month employees) will accrue arrears
for missed deductions for 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. If there are any questions, please email ua-benefits@alaska.edu.
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.
- Premium health care
- Basic health care
- HDHP
- Premium dental
- Basic dental
- Vision
- Health Care Flexible Spending Account (HC FSA)
- Corestream Voluntary Benefits
- Supplemental life - employee
- Supplemental life - spouse
- Supplemental life - child
- Accidental Death & Dismemberment - employee
- Accidental Death & Dismemberment - family
- HSAs
- FSA dependent care accounts
- 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:
- Health Care Flexible Spending Account (HC FSA)
- 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:
- Premium health care
- Basic health care
- HDHP
- Premium dental
- Basic dental
- Vision
- Supplemental life - employee
- Supplemental life - spouse
- Supplemental life - child
- Accidental Death & Dismemberment - employee
- 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.
Employees can view arrears balance at any time on UAOnline by clicking on "Employee Service" > "Benefits & Deductions" > "Arrears Balance."
UA has several resources available to employees who need assistance. When in doubt, please email ua-benefits@alaska.edu and we will be sure to direct the questions appropriately.
UA Benefits Team | ua-benefits@alaska.edu or Meet with Us
Corestream | 1-907-331-6938 | universityofalaskasupport@corestream.com