• Summary
  • Health
  • Dental
  • Vision
  • Life
  • Disability
  • FSA & HSA
  • Retirement
  • Other
  • Retiree Benefits
  •  Summary of Benefits

    Summary of Benefits

    The University of West Georgia is an institution of the University System of Georgia. USG offers healthcare, dental, vision and other benefits, as well as retirement plan options for employees working 30 hours per week or more on a regular basis. All USG employees are covered by workers’ compensation, and certain employees also qualify for Social Security participation.

    ADP is the HR vendor for payroll and benefits. The processing of payroll and benefits is handled in one centralized location for University System of Georgia institutions—the USG Shared Services Center.

    Contact information:
    The USG Shared Services Center
    (855) 214-2644

    For more detailed information on our benefit plans, please visit the    USG Benefits Page

    2016 Benefits Information

    2016 Summary of Benefits (PDF)    2016 Comparison Guide (PDF)  

  • Health Insurance

    Health Insurance

    Health insurance plans offered to benefits eligible employees are:

    • Comprehensive Care Plan (uses Blue Open Access POS GA network)
    • Consumer Choice HSA (uses Blue Open Access POS GA network)
    • Blue Choice HMO (uses BCBSGA Blue Choice HMO network)
    • Kaiser Permanente HMO (uses Kaiser Permanente HMO network)

    Blue Cross Blue Shield of Georgia administers claims for all the plans except for the Kaiser Permanente HMO plan.

    Plan features and resources can be found on the  USG Benefits Page

    The healthcare premium contribution for active, eligible employees will be paid with pre-tax dollars.

    Employees must enroll during the first 30 days of employment or during the annual open enrollment period. Open enrollment is generally held in the Fall of each calendar year, with the actual dates set by the USG Board of Regents Office for each year.

    Healthcare plan elections made during an open enrollment period will become effective at the beginning of the new plan year (January 1st). The plan year is currently a calendar year (January 1 – December 31). During an open enrollment period, an active and eligible employee may elect to:
    (1) enroll in a healthcare plan; (2) drop healthcare coverage; (3) participate in a different healthcare plan option; and/or (4) change his/her level of coverage (i.e., single, employee + child, employee + spouse, or family).

    Because the employee share of the cost for healthcare plan premiums is paid with pre-tax dollars, the Internal Revenue Service rules state that the choices made by a covered member during an annual open enrollment period must remain in effect for the entire plan year. The only exception permitted is when a covered member has a qualifying event (change in family status). If you have a qualifying event, you may add, change, or discontinue healthcare coverage within 30 days of the qualifying event. Appropriate documentation must be presented to the Human Resources Office before a change in healthcare coverage can be granted. Some examples of qualifying events include: the birth or adoption of a child, death of a dependent, change in employment status of a covered member, his/her spouse, or his/her covered dependent, the loss of eligibility status by a covered dependent, member or spouse being called to full-time active military duty, losing or gaining healthcare coverage eligibility under Medicare or Medicaid, or a change in residence to a location outside of a healthcare plan’s service area. Failure to complete any eligible changes within 30 days of a qualifying event prohibits making such changes until the next University System open enrollment period.


  • Dental Insurance

    Dental Insurance

    The dental plan is a self-insured indemnity plan through the Board of Regents of the University System of Georgia. Delta Dental administers the plan and payment of claims. Dental coverage may be elected at the time of initial eligibility (within first 30 days of employment) or during the annual open enrollment period. A qualifying event during the year also allows for enrollment, or change in enrollment, to the dental plan coverage. Requests must be made within 30 days of qualifying events with presentation of appropriate documentation.

    The dental insurance plan booklet and dental network information (participating providers) can be accessed from: 

    USG Benefits Page       Benefits-at-a-glance (PDF)

  •  Vision Insurance

    Vision Insurance

    A Vision Plan with EyeMed Vision is available to benefits eligible employees, to provide coverage for vision related expenses. A summary of benefits under this plan is available from Human Resources. Employees can visit the EyeMed website at http://www.eyemed.com/ to access plan and network provider information, or employees may call 866-800-5457.

    Premiums paid by an employee for participation in the health, dental and vision benefit plans are automatically deducted before taxes.

    USG Benefits Page       Benefits-at-a-glance (PDF)

  • Life Insurance

    Life Insurance


    The University System provides each employee with a $25,000 basic life insurance policy. This is a double indemnity policy and would be doubled in the event of accidental death of the employee.


    Employees have the option to elect supplemental life insurance (with matching AD&D) based on 1-8 times their benefits base (annual salary) up to a maximum of $2.5 million. The premiums are based on age and salary. Application for enrollment in supplemental life insurance outside of the first 30 days of employment requires Evidence of Insurability (EOI). EOI is also required for coverage over $500,000.

    Spouse Life

    Employees may elect up to $50,000 of spouse life without EOI during the initial employment period, and may apply for up to $500,000 of spouse life (in $10,000 increments) with EOI. Application to increase spouse life after the initial employment period requires EOI.

    Child Life

    Child life to cover all eligible dependent children in the amount of $5,000, $10,000 or $15,000 can be elected during the initial employment period or within 30 days of a qualifying event without EOI.

    USG Benefits Page       Life and AD&D Summary (PDF)

  •  Disability Insurance

    Disability Insurance

    Short Term Disability (STD)

    This is an optional plan offered to employees via payroll deduction. Met Life is the provider of this plan. This plan offers coverage to provide a portion of earnings if unable to work because of a disabling illness or injury. Coverage of 60% of weekly earnings for up to 11 weeks from the end of a fourteen day waiting period. The premiums are calculated based on age and salary. Application for enrollment in this plan outside of the 30-day new hire window will require Evidence of Insurability and approval by Met Life. A summary of the plan is available from Human Resources.

    Long Term Disability (LTD)

    This is an optional plan offered to employees via payroll deduction. Met Life is the provider of this plan. This plan offers coverage for 60% of income replacement in the event of long term disability that is certified by a physician. A summary of the plan is available from Human Resources. The premiums are calculated based on age and salary.

    USG Benefits Page       Benefits-at-a-glance (PDF)

  • FSA & HSA

    Flexible Spending Reimbursement Accounts (FSA)

    Health Care Spending Account Plan

    Eligible expenses include costs that are not reimbursable by insurance plans such as deductibles, co-pays, co-insurance payments, dental expenses, vision care, charges in excess of reasonable and customary allowances and charges in excess of insurance plan limits. Funds must be used by the end of the year or they are forfeited. The current maximum contribution is $2,500 per year. A monthly maintenance fee of $2.50 applies.

    Dependent Care Spending Account Plan

    Eligible expenses include costs for care of qualifying dependent children and/or parents who meet the requirements to be claimed as a dependent for federal income tax purposes. You may contribute up to a maximum of $5,000 per year to this plan as a single or married individual but only $2,500 per year if you are married and file a separate return.
    Eligible employees may enroll in the flexible spending plans during their initial employment period. Employees may also enroll during the annual open enrollment period for the upcoming calendar year (effective January 1st). Employees who wish to continue this benefit from one plan year to the next must re-enroll during each annual open enrollment period for the upcoming year.

    Limited Purpose FSA

    A Limited Purpose FSA is an additional tax-free account for those enrolled in the Consumer Choice HSA plan only. You may contribute up to $2,500 for eligible dental and vision expenses. Funds must be used by the end of the year or they are forfeited. A monthly maintenance fee of $2.50 applies.

    USG Benefits Page       Benefits-at-a-glance (PDF)

    Health Savings Account (HSA)

    The Health Savings Account (HSA) is an option to employees enrolled in the Consumer Choice HSA plan (high deductible plan), as a pre-tax payroll deduction with U.S. Bank. Employees may contribute up to the IRS maximum each calendar year to the HSA, and use the money from this account to pay for qualified out of pocket medical expenses. Any unused funds in the HSA roll over from year to year and accumulate toward future health care expenses. Once an employee enrolls in the HSA, U.S. Bank will mail the employee a welcome kit with instructions for activating the account with them. U.S. Bank will then mail a Health Savings Solution debit card to the participant for use in paying for qualified out of pocket medical expenses. For plan year 2016, the University System of Georgia will match the HSA contribution (dollar for dollar) for both current and new enrollees, up to an annual maximum of $375 for single coverage, and $750 for family coverage. The current maximum contribution limits are as follows: Single: $3,350 (or $2,975 net of employer match), Family: $6,750 (or $6,000 net of employer match), and Catch-up: $1,000 for employees 55 or older.

    USG Benefits Page      Benefits-at-a-glance (PDF)

  • Retirement Plans

    Retirement Plans

    As a benefited employee of the University System of Georgia, you are required to participate in a Retirement Plan. Most staff (bi-weekly paid) positions require participation in the Teachers Retirement System of Georgia (TRS). Exempt level (monthly paid) employees and faculty have the choice of two plans: TRS or the Optional Retirement Plan (ORP).

    TRS is a Defined Benefit Plan

    Your retirement benefit is “defined” based on a pre-designated formula. The mandatory employee contribution rate is 6% of gross salary, pre-tax. UWG contributes a matching contribution of 14.27% on your behalf. The formula is as follows: the average of your two highest membership salary years and a 2% multiplier. You become 100% vested in this plan after you complete 10 years of credible service. Contributions are retroactive to date of hire.

    If your USG employment ends and you request a refund of your contributions, you will be subject to federal and state taxes plus a 10% penalty if under age 59 ½. You may avoid this penalty if you roll over your contributions to another qualified retirement account or an IRA.

    For more information, please visit the TRS website at www.trsga.com. The TRS Member’s Guide can be accessed and printed from this site.

    Optional Retirement Plan of the University System of Georgia

    Regular faculty members and all exempt (monthly paid) employees may elect to participate in the Optional Retirement Plan (ORP) of the University System of Georgia in lieu of active membership in the TRS of Georgia plan.

    The ORP is a Defined Contribution Plan that falls under section 401(a) of the Internal Revenue Code (IRC). This plan is similar to a 401(k) plan in which you have your own account and you make your own investment decisions. Your retirement benefit is based on your account balance when you retire.
    Members are required to make a 6% pre-tax contribution to the plan and UWG matches your contribution with 9.24% of your salary. You can divide your investments between 3 vendor choices: Fidelity, TIAA-CREF and VALIC. A minimum of 10% must be invested in any company. You are allowed to change vendors and/or amount invested with each vendor once per quarter. You are immediately vested in UWG’s matching funds.

    Selection of a retirement plan must be made within 60 days of date of hire for faculty members and eligible staff employees. All required retirement election forms must be submitted to the TRS plan. Contributions are retroactive to date of hire, and enrollment is irrevocable during the tenure of employment in a covered position with the Board of Regents of the University System of Georgia.

    For additional information, please refer to the USG Benefits Page

    Note: Employees should consult their professional financial planners, retirement counselors, tax advisors, etc., for retirement planning advice and services. Staff members of the University of West Georgia are not to be considered as professional retirement consultants or tax advisors. No official retirement records are maintained at the University of West Georgia. Official retirement records for members of the Teachers Retirement System of Georgia (TRS) are maintained at the TRS Office, Two Northside 75, Suite 400, Atlanta, GA 30318, phone no. 1-800-352-0650. The TRS web site can be accessed at www.trsga.com. Official retirement records for Optional Retirement Plan (ORP) members are maintained by the individual ORP company; and information may be obtained from representatives of the individual ORP company.

    Voluntary Supplemental Retirement Savings Plans – 403(b) and 457(b)

    Employees may choose to enroll in optional supplemental plans at any time of the year. Payroll deduction for a 403(b) or 457(b) is available for the following authorized companies: Fidelity, TIAA-CREF, and VALIC. Employee contributions to the 403(b) and/or 457(b) are not subject to Federal and State taxes, but are limited to the annual maximum amounts set by the IRS. Employees may contribute to both a 403(b) and a 457(b) if they choose to do so. To participate in one of these plans, an employee must enroll with the representative of his/her chosen company, and then complete a salary reduction/ payroll authorization form to be submitted to UWG’s Payroll Department.

  •  Other Benefits

    Other Benefits


    Optional coverage offering four different plans:

    • Critical illness: Provides cash benefit if you’re diagnosed with or treated for covered critical illness.
    • Accident: Helps with costs that arise when you have a covered accident such as fracture, dislocation, or laceration.
    • Hospital indemnity: Helps pay out of pocket costs associated with hospital stay for inpatient and outpatient services.
    • Cancer care: Provides you with financial peace of mind if a diagnosis of cancer occurs.

    Long Term Care

    Optional coverage through Genworth. Provides coverage to help pay for long term care expenses.

    Legal Shield

    Optional coverage offering affordable legal protection for your family.

    Employee Assistance Program (EAP)

    The University of West Georgia offers an Employee Assistance program through Tanner EAP for UWG benefits-eligible employees and their dependents. The Employee Assistance Program is a service that provides short-term confidential counseling and assistance associated with resolving life problems such as family issues, job stress, substance abuse issues, traumatic events, and other personal concerns. For more information, contact the Human Resources Office at 678-839-6403, or Tanner EAP at 770-834-8327.

    Tuition Assistance Program (TAP)

    Full-time, benefits-eligible employees of UWG (employed full-time for at least six months by TAP application deadline of the semester for which they plan to attend) may be eligible to participate in the Tuition Assistance Program for approved courses for academic credit. Tuition is waived for approved courses (maximum of 9 credit hours per term). Participants are allowed to register for courses on a space available basis only, during the designated TAP registration period for each term. Request forms must be approved by Human Resources by established deadlines prior to employee registration for each term. Copies of the Tuition Assistance Policy and TAP application forms may be obtained from the Human Resources Office or from the following web page.

    Lifestyle Benefits

    There are four different options of this discount card program offered to employees. Plan offers a 30-day cancellation. More information can be found at http://usg.lifeperx.com.

    USG Perks

    By leveraging purchasing power of all USG employees, you can save on almost anything you buy. Earn points for every dollar spent and get even more for free at https://usg.affinityperks.com/login.

    Tickets At Work

    Receive discounts and special access to theme parks and attractions, shows, car rental, hotels, tours, movie tickets and much more.

    Wolf Wellness

    The University of West Georgia's Wolf Wellness is a collaborative endeavor of campus wellness programs and opportunities that address the six dimension model of wellness including: physical, emotional, social, intellectual, spiritual and occupational. Find more information here.

  •  Retiree Benefits

    Benefits for Retired Employees

    Career employees of the University System who retire by meeting the criteria for the definition of a University System of Georgia employee eligible for retirement, shall remain eligible to continue as members of the basic and dependent group life insurance and health benefits plans. The University System shall continue to pay its portion of the cost of group insurance for retired career employees. Nothing in this statement of policy shall be interpreted to reduce the benefit committed to existing career employees. A state employee who is employed by the University System of Georgia, a previous University System of Georgia employee who is rehired by the System, or a new hire of the University System of Georgia after October 31, 2002, shall not be entitled to career employee status and must otherwise meet the definition of a retiree as set forth to be eligible for benefits continuation into retirement. An individual who has retired from another State of Georgia sponsored retirement plan may not count such retirement service toward meeting the criteria for being a career employee.

    For employees hired on or after January 1, 2013, the Employer Contribution for healthcare insurance will be based on years of service with the University System of Georgia. Employees retiring with 10 years of service with the University System of Georgia will receive a 15% employer contribution toward their retiree health plan costs. For each additional year of service, the employer’s contribution will increase by 3% up to 25 years of service, after which the employer contribution will increase by 2% to a maximum of 70%.

    2016 Retiree Healthcare Changes

    In 2016, USG will transition its Medicare eligible retirees to a private healthcare exchange and will provide financial support for coverage through the exchange. Below is a recorded informational session that was held in April, 2015 on the UWG campus.

    Play video

    Retirement Benefits Presentation (Video)