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Employees' insurance offers extra
As most would admit, being a state employee comes with a bounty of
benefits. To discover the extra goodies available to state employees,
the State Insurance Benefits
Guide overlines many of these low and no cost benefits.
Among these benefits include basic wills, adoption assistance and free
tobacco cessation programs (in addition to programs offered through
Health 1st) and a travel assistance program. Many of these services are
offered by vendors who appear at campus events, such as the MUSC Annual
Pre-Paid Legal is a legal services company that offers a limited amount
of services to MUSC and MUHA employees for $15.95 per month. The
benefits of having a Pre-Paid Legal membership may be having access to
the various legal forms and on-call services for legal services,
including wills, durable power of attorney, living wills, etc.
Through the state employees’ life insurance plan, similar services are
available, some of which are free to MUSC and MUHA employees (see
Insurance Benefits Guide, pg. 123). “The state life insurance policy
offers a complementary online simple will and estate guidance. For
those employees with more complex situations, they may want to seek
financial and/or legal counsel,” said Dee Crawford, University Human
Resources Management benefits coordinator.
In addition, Crawford cited a few more programs available to state
employees, many of those offered by outside vendors at little or
Employees interested in adoption may contact the Employee Insurance
Program at (803) 734-1696 to obtain information about assistance.
Health 1st is an employee wellness program sponsored by the Employee
Insurance Program. Informational sessions (such as smoking cessation
and health topics) are presented, often on the MUSC campus. In
addition, opportunities for various health screenings are available.
Information is communicated through Broadcast Messages and is also
available in Room 102, Harborview Office Tower.
At MUSC, travel assistance is provided by the Europ Assistance (EA)
Program and is available through the state employees’ life insurance
plan. Those who are enrolled in the basic, optional or dependent life
insurance policies can obtain help from the Europ Assistance Program
sponsored by The Hartford. Travel assistance is available to those
traveling 100 miles or more from home for 90 consecutive days or less.
Enrollees can call 800-243-6108 which provides 24-hour access to
emergency assistance in the United States and Canada.
EA is not intended to replace one’s health insurance or traditional
travel insurance, so prior to leaving for a trip refer to the chapter
on your health plan or call your plan’s customer service line to learn
how urgent and emergency care are handled when you are away from home.
While being treated for a medical emergency, professional case
managers, including physicians and nurses, will communicate with your
attending local physicians to make sure that you receive an appropriate
level of care and to determine whether further intervention, medical
evacuation or even repatriation (return to the United States) is needed.
In specific situations, EA may recommend that you be transported to the
closest adequate medical facility that can provide relevant care for
your medical emergency. EA will make all arrangements and will pay for
all associated evacuation expenses. EA’s physician team will make all
decisions regarding the medical necessity of such a transport.
If EA’s physician, after consulting with your local attending
physician, determines that you need further medical hospital care or
long-term rehabilitation, EA will arrange and pay for you to be brought
If your travel companion loses previously made travel arrangements due
to your medical emergency, EA will arrange and pay for your companion’s
return home by the most direct and economical route. If any dependent
children traveling with you are left unattended, because you are
hospitalized, EA will arrange and pay for their transportation home if
Friday, May 30, 2008
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