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Employee Benefits

Specific information about each benefit may be found on this page or for more information, you may visit the Office of Human Resources located in the Administration Building, Suite 101 or call (660) 543-4255.  Our office is open Monday through Friday, 8 a.m. - 5 p.m.


Health & Wellness


Beginning January 1, 2018, three health insurance plans are available to regular full-time and part-time employees and their dependents.

Coverage is effective on the first day of the month after starting employment. Eligible dependents may be enrolled within 31 days of hire. Mid year changes may only occur if the employee experiences a Qualifying event. For more information about Qualifying events contact the Office of Human Resources.

Employees that participate in A Healthier You Event held in the fall of each year are eligible for reduced Health Insurance rates.  Employees that are eligible to participate in A Healthier You and do not, will pay an additional $40 per month in their premium. 

UCM and full-time employees share in the employee and dependent health insurance cost based on the employee's salary. Part-time employees are responsible for the full cost of health insurance coverage.


Employees can "opt out" of the health insurance plan with verification of other coverage. Benefit dollars will not be transferable or redeemable for cash.


Retail Telehealth through BlueKC - Telehealth Flyer


Blue Cross/Blue Shield Insurance Card Sample

2018 Premiums and Summaries

2017 Premiums and Summaries

2016 Premiums and Summaries

2015 Premiums and Summaries

Prescription Drug Care

The Prescription Drug program is managed by Blue Cross Blue Shield for retail and by Express Scripts for mail order. To receive prescription drug benefits under the plan a covered person must present their Blue Cross Blue Shield Insurance Card to the dispensing pharmacist at the time the prescription is filled.

Covered persons can purchase prescription drugs from a network pharmacy in amounts up to a 34 day supply. A covered person can also order long-term maintenance prescription drugs by mail order in amounts up to a 102 day supply.

Specific questions about prescription benefits may be directed to Blue Cross Blue Shield customer service at 800-228-1436.
Co-payments & Deductibles


Two dental plans are available to full-time and part-time employees and their dependents through Delta Dental of Missouri. UCM will pay for the full-time employee portion of Plan A. Part-time employees are responsible for the full cost of dental insurance coverage.

Beginning January 1, 2018, dental benefits are provided on a calendar year basis. 

Coverage is effective the first day of the month following your hire date. Dental services must be obtained from a dentist in the Delta Dental of Missouri network.


Two vision plans are available to full-time and part-time employees and their dependents through VSP. UCM will provide full-time employees with vision insurance for any coverage selected up to a maximum of $53.64 per year.

Part-time employees are responsible for the full cost of vision insurance coverage.

A Healthier You

This program is offered by Blue Cross and Blue Shield of Kansas City as a part of UCM's health insurance. A Healthier You™ supports healthy lifestyles for you and your family through the program. The program provides information and resources to keep you healthy, including a wellness portal, where you’ll complete your Health Risk Assessment and have access to tools and trackers designed to make healthy living easier. The A Healthier You™ program promotes personal responsibility for managing health and making healthy lifestyle choices.

Registration for A Healthier You begins on October 1. 
Below are steps to follow for registering for the A Healthier You event: 

Step 1 - How to Access A Healthier You Website  - Flyer
Step 2 - How to Register for Onsite Screening - Flyer
Step 3 - How to Complete the HRA - Flyer


Optional - Physician Screening solution - Flyer

Please Note:  User must use CHROME browser for accessing the website.

To register go to:

Newsletter and Additional Resources

A Healthier You Monthly Newsletter - For More Information

Stop Using Tobacco and Start Living Class - For More Information
Other UCM Cessation Resources - For More Information

Health Seminars on Demand - For More Information
My Rewards - For More Information
National Walk @ Lunch Day - For More Information
Health Coaching formerly Face-to-Face Lifestyle Coaching - For More Information

Employee Assistance Program (EAP)

The objective of the New Directions Employee Assistance Program is to reduce problems in the work force and to retain valued employees. UCM recognizes that personal and work problems can be dealt with successfully when identified early and referred to appropriate care.

It is the purpose of this program to provide an opportunity for all employees to obtain confidential assistance in resolving personal and work problems as the need arises. While the employer does not intend to intrude upon employee's personal lives, the employer offers professional and confidential assistance to resolve problems when declining work performance, attendance or behavioral problems occur.

New Directions EAP will arrange for help or provide resources for emotional/behavioral, family and marital, alcohol and/or drug, financial, legal, work and other personal problems.

New Directions EAP resources provide problem assessment, short-term counseling and referral. Costs for these services are covered by the employer. Costs incurred for other services not covered by insurance or other benefits are the responsibility of the employee.

New Directions can be contacted at:



Employee Assistance Program FAQs
Program Details
Screening and Assessment
On-line Will Preparation - Notice to Employees

Supplemental Benefits


UCM provides full-time employees basic life insurance coverage at no cost to the employee. The benefit is one times employee's annual salary rounded to the next multiple of $1,000 to a maximum of 300,000.

Employees may purchase additional life insurance up to five times their rounded basic life insurance amount and may not exceed $1,250,000 when combined with university paid basic life insurance. An employee may also purchase dependent life for their eligible dependents. The monthly premiums are deducted on a post-tax basis. If you turn 40, 50 or 65 in the current year, then in January of the following year your rate for additional life will change according to the rates below.

Please note: Benefits reduce to 65% at age 65; 45% at age 70; 30% at age 75; and 20% at age 80 or over.

2018 Employee Additional Life Insurance Monthly Premium

12 Month Rate

9 Month Rate
Under 40 Years  $0.048 $0.064
40 - 49 Years $0.120 $0.160
50 - 64 Years $0.432 $0.576
65+ Years $1.664 $2.219
**Per $1,000 of selected coverage**

2018 Dependent Life Insurance Monthly Premium
Coverage Amount 12 Month Rate 9 Month Rate
$5,000 $2.05 $2.73
$10,000 $4.10 $5.47
$15,000 $6.15 $8.20


For more information: 
Basic Life Insurance
Additional Life Insurance

Life Insurance Underwriting

Information on Life Insurance Underwriting - Increasing or Decreasing Life Insurance

AD & D

Full-time employees are provided accidental death and dismemberment insurance equal to the amount of the basic life insurance coverage for loss of life resulting from an accident. The benefit also provides a percentage of payment for certain losses resulting from an accident. This benefit is provided at no cost to the employee.

Basic Life Insurance & AD&D

Short Term Disability

Board of Governors Policy 2.1.010

Long Term Disability

UCM provides long term disability insurance benefits to full-time employees at no cost to the employee.

Coverage is 60% of an employee's monthly salary as of September 1st of each year with a maximum benefit of $10,000 per month, less any payments received from MOSERS, social security, or workers' compensation. Coverage is effective the first day of the month following the hire date.

Employees who apply for long-term disability may be considered for short-term disability if they are out of all available sick leave and vacation time.

For more information: LTD Insurance Benefit Summary

Flex Spending Accounts

Full-time and part-time employees are eligible to participate in the Missouri State Employees' Cafeteria Plan.

You may elect to set aside tax-free money into a flexible spending account from your salary to pay for qualifying medical and dependent care expenses. You must enroll during open enrollment each year (October 1 - December 1) for the upcoming calendar year. You may also be eligible to enroll mid-year if you experience a qualifying Change in Status event. The Health Care and Dependent Care FSA have slightly different rules regarding make an election change or enrolling mid-year. More information is available online at MO Cafe or by phone at 1-800-659-3035.

Qualifying medical expenses are all medical, dental, and vision expenses not covered or not reimbursable by insurance and which would be allowed by the IRS as itemized deductions on your federal income tax return which are incurred during your period of coverage.

Qualifying dependent care expenses are expenses that you incur in order for you and your spouse to work or look for work during your period of coverage. Only expenses for care and well being qualify for this tax break. Day care expenses are limited to care for children under age 13, for whom you have more than 50% custody, or for a spouse or dependent who is physically or mentally incapable of caring for himself or herself, who lives in your home at least 8 hours each day.

Reimbursements are paid by direct deposit and account information is available online at MO Cafe or by phone at 1-800-659-3035.

Travel Assistance

Please login to view information about the travel assistance benefit.

Workers' Compensation

Workers’ Compensation is a benefit prescribed by state law to ensure medical expenses and compensation is paid to any employee for any injury or illness arising out of and in the course of employment. It also provides death benefits should the injury or disease result in death. Workers’ compensation benefits are administered by the Missouri Office of Administration, Risk Management Section, Central Accident Reporting Office and may be reached at 1-888-622-7694 or 1-573-751-2837.

If an employee is injured at work and the situation is a life threatening emergency, the employee should seek treatment at the nearest hospital emergency room or medical clinic. When the situation is not life threatening, the employee should contact his/her supervisor, who will then contact Public Safety at 660-543-4123. Public Safety will complete an Accident Injury Report and then advise the employee of where to seek treatment, if needed.

Central Missouri has an Early Return to Work Program in place. It and other compensation and work availability questions can be answered by the Office of Human Resources.

Educational Development

UCM provides full-time employees up to 15 credit hours and part-time employees up to 6 credit hours of complimentary tuition for course work at UCM each academic year. One year includes: Fall, Spring, and Summer. The tuition rates are provided at either in-state or out-of-state tuition rates, whichever is applicable.

UCM also pays for up to 15 credit hours of graduate level courses, however employees are responsible for any applicable taxes.

Spouses and qualified dependents are eligible to have 50% of applicable tuition fees paid by UCM. There is no limit on the number of credit hours which may be taken by spouses or dependents each semester.

All Employees will need to have supervisory approval prior to class enrollment and non exempt employees are required to make up the time missed from work to attend class or a flexible schedule may be granted.  To learn more, visit the Educational Development FAQs page.

Please see the policy for full details regarding this program.

Missouri Saving for Tuition Program (MOST)

The Missouri Saving for Tuition Program provides families with a smart, flexible way to save for their children’s future.

MOST offers a choice of investment options, significant tax advantages and the flexibility of using your savings at any eligible higher educational institution both in the U.S. and abroad.

Anyone--a parent, grandparent, relative, or friend--who is interested in investing for higher education can open an account for any beneficiary.

Employees may contact Human Resources to open their MOST account and begin saving today.  Learn more about Missouri's 529 College Saving Plan by visiting MOST.

AFLAC Supplemental Insurance

Full-time and part-time employees may elect voluntary supplemental insurance coverage through American Family Life Assurance Company of Columbus. AFLAC employee benefits are available through payroll deductions.

AFLAC specializes in helping to fill the gaps created by co-payments, deductibles, loss of income, and various out-of-pocket expenses. For information about the insurance programs available and premium prices, contact the AFLAC office at 1-888-339-3593.

Outside Programs or Discounts for UCM Employees

In addition to the UCM benefits, employees are also eligible to receive special promotions and discounts from retailers, fitness, banking, and entertainment providers. 


Vacation Pay

Full-time employees designated as 1.0 FTE will accrue vacation pay depending on their exempt or nonexempt status and their years of continuous eligible service based on their anniversary date. Employees who occupy a .80 to .99 FTE will also accrue vacation pay on a prorated basis.

Select 12 month Faculty positions are eligible to accrue vacation based on the same schedule as indicated below.

Employees may use vacation once they have accrued the leave. Vacation is credited at the conclusion of each semi-monthly pay period.

Unused vacation at the end of the anniversary year may be carried forward. However, once unused vacation reaches 280 hours, further accumulation stops until additional vacation is used.

Upon termination of employment and after successfully completing the probationary period (if applicable), employees will be paid all earned, unused vacation time.

Vacation Accrual Schedule

Years of Service

Semi-Monthly Vacation Accrual

Maximum Accrual Rates

Less than 4 years

5 hours

280 hours

4 - 9

7 hours

280 hours

9 years and beyond

8 hours

280 hours

Link to Procedures: "Vacation Leave Procedures"

Link to Policy: "Vacation Policy"

Holiday Pay

UCM provides 13 days of paid holiday time off. The holidays are:

  • New Years Day
  • Martin Luther King Jr’s Birthday
  • Memorial Day
  • Independence Day
  • Labor Day
  • Thanksgiving
  • Day after Thanksgiving
  • Christmas Eve
  • Christmas
  • Days between Christmas and New Years Day

When the above days do not total 13, a spring holiday, which coincides with the Friday of Spring Break is given. These days can be changed at the discretion of the President.

When a holiday falls on a Saturday, the preceding Friday will be observed and when a holiday falls on a Sunday, the following Monday will be observed.

To be eligible for holiday pay, all regular employees must have completed five calendar days of service and have worked or been on paid leave their entire scheduled shift immediately prior to and following the holiday.

Full-time employees on less than 12 month appointments, or persons who work full-time only when students are on campus, will receive the above stipulated holidays with other prorated benefits on the basis of the total yearly work schedule.

Link to Policy: "University Holidays"

Family Medical Leave Act (FMLA)

The Family Medical Leave Act is a federal law that provides a leave of absence for employees who must be away from work for specific reasons. FMLA allows up to 12 weeks of leave for:

  • Serious health condition for self, spouse, or parent
  • Childbirth/Adoption
  • Placement of foster child
  • Care for a child under age 18 with a serious health condition/injury

To be eligible for FMLA, an employee must have been employed for at least 12 months at UCM and have worked at least 1,250 hours during the 12 month period prior to the leave start date.

The University requires employees to use all applicable paid leave (sick, vacation, and/or personal) while on FMLA status. 

For More information or assistance, please contact the Office of Human Resources. 

Sick Leave

Sick leave is provided to full-time employees to be used during temporary absences due to personal illness or injury. Sick leave may not be used for other types of absences unless specified by policy.

Eligible employees accrue 5 hours of sick leave at the conclusion of each semi-monthly pay period. During the summer semester, faculty will receive a pro-rated amount based on their teaching load.

Unused sick leave will not be paid to active employees upon termination of employment. Unused sick leave will be reported to MOSERS upon termination from UCM.

Link to Procedures: "Sick Leave Procedures"

Crisis Leave

UCM recognizes that employees may find themselves in a crisis situation during their employment with us.  During these difficult times, the University values the importance and ability to take time off.  The University realizes that employees may not have sufficient leave to cover the time they need to be away.  Additionally, employees of the University consistently demonstrate a compassion for their colleagues and may wish to help cover these unexpected absences.  As a result, the University has established a Crisis Leave Pool where employees can get help from - and give help to - each other.

Employees wishing to donate leave, or needing to request leave under the Crisis Leave program should select the appropriate link below. 

Please contact the Office of Human Resources for additional assistance.

Making a Crisis Leave Pool Donation

Full-time employees may donate their personal accrued vacation leave in either 4 or 8 hour increments to the Crisis Leave Pool. Donations are completely voluntary. Employees who donate leave will not receive remuneration of any kind for the donation and may not rescind their donation at a later date.

A signed Donation Form indicating the number of vacation hours the employee wishes to donate to the Crisis Leave Pool is to be submitted to the Office of Human Resources.

Eighty hours or 2 weeks of vacation must remain in the donating employee's personal balance.

The deadline to donate each quarter is the 10th of March, June, September, and December.

Requesting Leave from the Crisis Leave Pool

Full-time employees may only draw upon the Crisis Leave Pool if they are in a no-pay status. Vacation leave, sick leave and all other personal leave must be exhausted.

Full-time employee must have been employed at UCM for at least one year and either a) the employee must have experienced a catastrophic illness or injury, or b) the employee must provide care for a member of their immediate family who has experienced a catastrophic illness or injury.

An employee may request leave from the Crisis Leave Pool by completing a Crisis Leave Request. The request must be accompanied by the employee's Family Medical Leave Act form (if not already on file) and any accompanying documentation to the Office of Human Resources.

The Office of Human Resources will review the request to make sure that the employee is eligible to receive Crisis Leave. The employee requesting Crisis Leave must provide all requested information necessary to make a final determination of eligibility.

Personal Leave

Personal leave is awarded each fiscal year and is designed to provide an employee with time off for any personal reason that would not fall under the sick or vacation leave policies.

Full-time employees are awarded 8 hours of personal leave each fiscal year. The fiscal year is July 1-June 30.

Any unused personal leave does not carry over into the following fiscal year.

For additional information, please refer to the Personal Leave Policy or Personal Leave Procedure.

Bereavement Leave

410 Bereavement Leave

Approval: Approved by the President on January 1, 2005

Authority: Board of Governors Policy 1.2.040

Responsibility: Director of Human Resources

Bereavement leave is up to three days of paid time off provided to employees who wish to take time off due to the death of a loved one. The definition of loved one is left to the discretion of the employee and the supervisor. The employee is required to notify their supervisor immediately when the need for bereavement leave arises. This leave is available during probationary periods.

Bereavement leave may be combined with personal leave or vacation leave if the three days provided by University of Central Missouri are not sufficient. If paid leave time is not available, leave without pay may be requested. The time for bereavement does not have to be taken as consecutive days off. However, the leave days must be taken within ten calendar days of the date of loss of the loved one.

Absence must be recorded in the employee's electronic time sheet and submitted to the supervisor for approval.

Retirement Information

UCM automatically enrolls regular full-time and regular part-time employees in the Missouri State Employees' Retirement System - MOSERS. Full-time faculty members hired on or after July 1, 2002 are automatically enrolled in the College and University Retirement Plan (CURP) unless they have prior MOSERS credit.

This information is intended for UCM employees covered by the Missouri State Employee's Retirement System. We have provided helpful links for those who are thinking about retirement and for those who have already retired from UCM. You may direct additional questions to the Office of Human Resources. Our office is located in the Administration Building, Room 101 and can be reached at 660-543-4255. Our office is open Monday through Friday, 8 a.m. - 5 p.m. Summer Hours are from 7:30 a.m. - 4:30 p.m.


UCM automatically enrolls regular full-time and regular part-time employees in the Missouri State Employees' Retirement System - MOSERS.  MOSERS is a non-contributory defined benefit for employees hired before January 1, 2011 or newly hired employees that have prior MOSERS credit. Five years of service credit in a MOSERS eligible position are required to be vested in this plan. Each pay period UCM remits contributions to MOSERS based on the eligible employee's gross wages. Employees hired prior to July 1, 2000 may choose between MSEP and MSEP 2000 plan benefits.

Employees hired in a MOSERS eligible position for the first time on or after January 1, 2011 are required to contribute 4% of their gross wages per pay period. UCM will also remit contributions to MOSERS based on the eligible employee's gross wages. Five years of service credit in a MOSERS eligible position are required to be vested in the MSEP 2011 plan. If the employee leaves UCM employment, they will have the option of requesting a refund of the contributions they have made to the retirement system plus any applicable interest.

Full-time faculty members hired on or after July 1, 2002 are automatically enrolled in the College and University Retirement Plan (CURP) unless they have prior MOSERS credit. CURP is a non-contributory 401(a) defined contribution plan for education employees. MOSERS has been given the responsibility by law to implement and oversee the administration of the plan. Each pay period UCM remits contributions to CURP based on the eligible employee's gross wages. The TIAA-CREF group of companies is the third-party administrator for CURP and manages the investment options under the plan. For more information go to MOSERS.

Tax Sheltered Annuity

UCM participates in a voluntary Tax-Sheltered Annuity (TSA) program that allows full-time and part-time employees to have monies withheld from their pay on a pre-tax basis to be set aside for retirement.

The voluntary TSA contributions are 100% paid by the employee and are a supplement to the MOSERS retirement benefit.

Employees should complete the Tax Sheltered Annuity Salary Reduction form to begin or change their current contributions.  Any questions related to completing the form should be directed to Human Resources.

The companies listed in the document below are the only authorized 403(b) and 457 providers. Employees may contact them for more information.

Voluntary Tax-Sheltered Annuity Program

Company's and contacts* listed below are the only authorized 403(b) and 457 providers.

Axa Equitable

Contact Person: Tyson Sprick
7400 W. 110th St, Suite 700
Overland Park, KS 66210

MetLife Resources and MetLife 457

Contact Person: David A. Yount
10975 Benson Drive, Suite 350
Overland Park, KS  66210
816-217-8888 (Cell)

Edward Jones Company

Contact Person: Alan Brandt
P.O. Box 1347
501 E Young, Suite A
Warrensburg, MO 64093

Murdock Banner Financial Group

Contact Person: Craig Coen, Mark Banner or Chad Appleton
206 S. Holden
Warrensburg, MO 64093
660-747-3522 or

Fidelity Investments Institutional Services

PO Box 770002
Cincinnati, OH 45277-0090


Contact Person:  Melvin Ballenger
Financial Consultant
4625 Lindell Blvd
Suite 501
St Louis, MO  63108
888-842-0162 ext 456724

Lincoln Investment Planning, Inc.

Contact Person: Rex Swartz
1600 Genessee - Suite 823
Kansas City, MO 64102


Contact Person: Justin Oldham
13180 Metcalf, Suite 240
Overland Park, KS 66213

State of MO Deferred Comp 457 Plan
ICMA-RC Services, LLC

Contact Person: David Gibson
3349 American Ave, Suite A
Jefferson City, MO 64109
800-392-0925, opt. 1 or


Waddell & Reed

Contact Person: Paula Elliott
317 W. Young, Suite B or
Warrensburg, MO 64093

Currently Retired

Retiree FAQs

MOSERS PensionsPlus Newsletter

For 2018


For 2017

For 2016

For 2015


Planning for Retirement

Retirement FAQs

Pre-Retirement Planning Seminar

Pre-Retirement Planning Workbook

MOSERS BackDROP Brochure

Additional Retirement Information

Frequently Requested Forms

Autodebit Authorization

Life Insurance Cancellation

Health Insurance Cancellation
Address Change Form

Delta Dental Retirement Options