University of Toledo

2023 Benefits


To view your current healthcare, vision, and dental elections, please visit your MyUT account and select "Benefit Summary"


Full-time faculty, unclassified and classified exempt staff and UT police are provided with term life insurance through UNUM. For further details please refer to the below links.

Long Term Disability Booklet

Main Campus LTD:

  • Excludes CWA, UTPPA and FOP members
  • 180 day elimination period
  • 70% salary continuation
  • $5,000 max

Health Science Campus LTD: 

  • Excludes AFSCME members
  • 180 day elimination period
  • 60% salary continuation
  • $10,000 max
Employee Assistance program

When personal and/or work related problems surface, the EAP is a place for you to turn for help. When complications arise from stress, marital and family issues, parenting challenges, depression, anxiety, substance use, and other emotional concerns, it’s comforting to have someone to talk to.

The University of Toledo is proud to make available to you the IMPACTSOLUTIONS Employee Assistance Program (EAP), offering confidential support for you and your household members, dependents living away from home, and parents & parents-in-law.

Professional phone support is available around-the-clock, on an unlimited basis, offering you and your family members peace of mind that there is always someone to talk to, 24 hours a day, 365 days a year. Face-to-face counseling is also available, with up to 5 sessions included per problem occurrence. You can also request services online at Click here to view more information.

EAP Services include:

  • A web-based portal with articles, resources, and interactive features
  • Legal, financial, and identity theft assistance 
  • Child and elder-care assistance 
  • Work-Life Resources and Referrals to community resources 

To access the EAP resources, contact IMPACTSolutions at 1-800-227-6007 or visit http://www.myimpactsolution.comUse "UTEAP" as the username.

EAP Summary - This flyer contains a summary of EAP services.

EAP Monthly Employee and Supervisory Newsletters

Live Webinar Series- Each month Impact Solutions offers a wide range of free workshops   

EAP Printable Wallet Cards


Tuition Waiver Policy

The tuition waiver policy, plus information regarding eligibility for employees, spouses and dependent children can be found on the Tuition Waiver Page.  The  tuition waiver request form must be submitted prior to the semester payment due date, posted on the Treasurer’s webpage in advance of each semester.

Employees of The University of Toledo who are eligible to participate in the Tuition Waiver benefit for themselves, spouses, or dependents should submit their waiver online.

The employee can access the Tuition Waiver registration through the MyUT portal on the Employee tab.

You will need to have the following information to complete the Tuition Waiver registration:

  • Your UTAD Username
  • Your UTAD Password
  • Rocket ID Number for each person who will use the tuition waiver
  • Students must be registered prior to submitting the waiver.

The Tuition Waiver Request form must be submitted prior to the semester payment due date posted by the Office of the Treasurer. HR will not process retroactive applications for previous semesters.  Human Resources will not be responsible for the removal of any late fees placed on student accounts before submittal of waiver, payment of all fees not covered by the waiver will be the student's obligation.

Eligibility Requirements for UT Faculty/Staff Waiver can be found in the Education assistance and tuition waiver policy

Required Legal Notifications:  UT is required to provide employees the following legal notifications annually. This is for informational purposes only.

Social Security Number/Individual Taxpayer Identification Number Request

Due to recent regulation changes, you must provide a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to the UT Benefits Department for each dependent you wish to enroll in the Plan to satisfy federal reporting requirements. This condition allows UT to comply with a Medicare law requiring health plan administrators to electronically report data for covered plan participants to the Centers for Medicare and Medicaid Services (CMS).

Spouses, same and opposite sex domestic partners are not eligible to begin coverage until a SSN/ITIN has been provided as part of enrollment.  Coverage for dependent children will begin upon enrollment.  However, if a child’s SSN/ITIN is not received within 90 days of enrollment, coverage for the child will be terminated retroactive to the date coverage began.  You may be required to reimburse the Plan for any expenses for which benefits were paid on behalf of an otherwise ineligible dependent. 

Medicare Part D Notice

Notice of Privacy Practices

Michelle's Law

Children's Health Insurance Program Reauthorization Act

Women's Health & Cancer Rights Act

Notice of Coverage Options

Newborn and Mother Health Protection Act Notice



Termination Information 

Below are commonly used terms that may help you understand healthcare plans and other materials related to your benefits.


  • Co-insurance – a percentage you pay for medical services after the deductible is met. Example: 85/15 plan - the plan will pay 85% and you will pay 15%.
  • Co-pay – a fixed amount you pay for an office visit/specialist visit; the co-pay does not count towards the deductible. Refer to Summary of Benefits and Coverage (SBC) for more information.
  • Deductible – an amount you pay before insurance benefits will begin paying. Example: An employee with a $300 deductible will pay for the first $300 of services, then co-insurance will apply.
  • Excluded Services – services not covered by the insurance plan. You will have to pay for the entire cost of these services.
  • Flexible Spending Account (FSA) – a tax-free account that you can use to pay for medical expenses. Money left at the end of the year can be carried over per current IRS guidelines.
  • Health Savings Account (HSA) – a tax-free account that you can use to pay for medical expenses. It carries over from year to year and consists of both your and your employer’s contributions. Unused HSA funds also go with you when you leave the university or into retirement. To be eligible for an HSA, you must be enrolled in a high-deductible medical plan.
  • Network - providers and facilities within a health plan’s coverage
    • UTMC In-Network (Tier 1) - These providers include The University of Toledo Medical Center and UT Physicians. Members will see the greatest cost savings when seeing a provider(s) in this network.
    • In-Network (Tier 2) - providers or health care facilities that are part of a health plan’s network of providers with which it has negotiated a discount
    • Out-of-Network (Tier 3) - physicians, hospitals or other healthcare providers who do not participate in an insurer’s provider network. If a doctor or facility has no contract with your health plan, they are considered out-of-network and can charge you full price. It is usually much higher than the in-network discounted rate.
  • Open Enrollment – a set period every year when you elect benefits for the following year without a qualifying life event. UToledo Open Enrollment typically happens each October.
  • Out-of-Pocket Maximum – the maximum dollar amount you are responsible for within a calendar year
  • Premium –the amount you pay (bi-weekly) for insurance coverage. This is typically deducted from your paycheck.
  • Prior Authorization –services that must be approved by the insurance company before you receive care. If prior authorization is not obtained, the service may not be covered, and you could be charged for the entire amount for services delivered. Healthcare providers will sometimes obtain prior authorization for you, but it still is always your responsibility to check first with your insurance company before you receive healthcare services.
  • Qualifying Life Event – a life event that allows you to change your benefit during the year (e.g., marriage, divorce, birth of a child, loss of other coverage, etc.). Benefit elections must be made or changed within 30 days of the qualifying life event.
  • Summary of Benefits and Coverage (SBC) – a brief, easy-to-understand summary of your plan’s coverage. It is intended to be a uniform document that enables you to compare plans.
  • Summary Plan Description (SPD) – a booklet explaining your benefits, eligibility requirements, pre-authorization requirements, plan exclusions and other relevant details.


  • Co-insurance – a specified percentage of the cost of the drug or service that you are responsible for. Example: Depending on your plan, 20% of the total cost of your prescription medications.
  • Compounded medications – medications not made or packaged to be dispensed at a traditional pharmacy. They are made based on a healthcare provider’s prescription, and individual ingredients are mixed in the exact strength and dosage form required by the patient.
  • Co-pay – a pre-determined amount you pay for each medication or medical service you receive; not related to the cost of the medication or service. Example: A $10 co-pay for generic medications —regardless of its entire cost, and a $15 co-pay for brand name prescription medications— regardless of its entire cost. If your prescription totals $85 for a name brand drug, you still would pay only $15 for that name brand drug each time you get it refilled.
  • DAW – an abbreviation for “Dispense as Written.” This is used when a doctor decides you should receive a brand name medication even though a generic form of that drug is available. A special notation from the doctor is required to qualify.
  • Deductible – the maximum dollar amount you will pay each calendar year before your insurance plan begins covering certain costs. After reaching your deductible, you are still responsible for copays.
  • Formulary – a list of medications that are covered under the prescription plan
  • Generic drug (Tier 1 drug) – a generic medication that contains the same active ingredient as a brand name drug. It usually is considered identical in efficacy, safety, side effects and dosing. It costs significantly less than their brand name counterparts.
  • Preferred brand drug (Tier 2 drug) – a brand name drug that has a trade name and is protected by a patent. This means that only the company holding the patent may sell or produce the medication for a specified number of years.
  • Non-preferred drug (Tier 3 drug) – a brand name medication that is considered non-preferred. This usually means there is a preferred alternative (and less expensive drug) within Tier 2.
  • Prior (or pre-) authorization – a process that requires a prescriber (your healthcare provider) to complete paperwork for the insurance company’s review before the prescribed medication will be covered under your prescription plan
  • Prior authorization list – a list of medications that would need to undergo a prior authorization to be covered under your prescription benefit
Last Updated: 10/18/22