SMU offers a comprehensive, cost-effective and competitive benefits package to help protect you and your family. But it works only if you take control and make thoughtful decisions about your benefits. You need to take an active role in understanding and choosing your benefits. This way, you can be sure your benefits support your needs and goals. To help you make informed benefits choices, SMU gives you several tools, including this webpage and the Benefits Guide.
- Click on the above tabs to access additional information.
- To determine whether you, your spouse/domestic partner, or dependents are eligible, please visit the Eligibility page linked to the right.
- To see if you qualify for benefit changes due to various life events, please visit the Life Events page also to the right to learn more about it.
SMU's Health and Wellness Plan, administered by Blue Cross/Blue Shield of Texas, includes several deductible options. All of the plans cover a wide variety of medical services, including office visits, prescription drugs, and inpatient and outpatient care.
This section provides information on SMU's Prescription Drug Plan, administered by Prime Therapeutics. If participants enroll in one the SMU's Health and Wellness Plan PPO options, prescription drug coverage is included. Participants have the choice of purchasing their prescriptions through local retail pharmacies or through a mail order program.
Administered by Blue Cross/Blue Shield of Texas, the Dental Preferred Provider Organization gives participants the ability to visit any dentist, without referrals for all of your dental care. If participants select of BCBSTX's network dentists, they will generally pay less for their care. Should they choose a dentist outside of BCBSTX's PPO network, the share of costs will be higher and may need to file their own claims.
This section provides information on SMU's Vision Plan, administered by VSP. This plan offers access to a large network of participating optometrists and ophthalmologists plus a few select retain chains. Benefits include full examinations and access to lenses, frames, and contact lenses at discounted prices.
This section provides information on SMU's Flexible Spending Accounts. A FSA enables participants to pay for out-of-pocket health care or dependent daycare expenses with pre-tax payroll contributions. FSAs are exempt from federal taxes, Social Security (FICA) taxes and, in most cases, state income taxes. Tax savings and the effect on each paycheck will depend on the participant's situation (e.g. household income, tax bracket, and the amount participants contribute to the account), but the tax savings can be significant!
This section provides information on SMU's Health Savings Account. If you enroll in either the $2,600 or $5,000 High Deductible Health Plan (HDHP), you will be able to take advantage of a special tax-savings feature called a Health Savings Account (HSA). The HSA is a tax-free bank account used to help pay the cost of eligible out-of-pocket health care expenses.
Long-Term Care, Life Insurance, AD&D, Long-Term Disability
This section provides information of SMU's Long-Term Care (LTC) Insurance. SMU provides employees with the opportunity to purchase LTC Insurance through CNA, an affiliate of CNA Financial Corporation. If you enroll within 31 days of your date of hire you will be guaranteed acceptance.
This section provides information on SMU's Basic Group Life Insurance. All regular full-time and part-time faculty and staff are eligible for coverage effective on the first day of active employment. This benefit is paid in full by SMU.
This section provides information on SMU's Supplemental Life Insurance. Employees can purchase Supplemental Life Insurance for themselves, their spouse or domestic partner, and eligible dependent children. Premiums are deducted from the participant's paycheck on a pre-tax basis.
This section provides information on how participants can purchase SMU's Accidental Death and Dismemberment (AD&D) Insurance. Administered by Reliance Standard, the cost of AD&D insurance is paid through payroll deductions on an pre-tax basis. The benefit amount the participants receive varies according to the amount of coverage elected and the type of loss incurred.
This section provides information on SMU's Long-Term Disability Plan. This benefit are available to all full-time faculty and staff after 3 months of employment, and the cost is paid entirely by SMU.
This section provides information on SMU's Business Travel Accident Insurance for all full-time staff and faculty who are under age 75 and travel worldwide on business for the University. This benefit is provided at no cost to eligible staff and faculty. For additional information on this benefit contact SMU's Office of Risk Management
Group Legal/Identity Protection
The LegalGUARD and PrivacyArmor plans are available to full-time and part-time benefits-eligible faculty and staff. Although the plans are administered separately, they are available as a bundled arrangement at a monthly cost of $27.45. This is a voluntary benefit that participants pay for via after-tax payroll deductions.
Administered by LegalEASE and underwritten by Nationwide
The plan provides access to quality legal services and protection from the high cost of legal fees. Finding the right type of attorney when a need arises can be one of the more stressful tasks when dealing with a legal matter. LegalEASE uses their experience and relationships with their network attorneys to connect you with the right type of attorney, in the right location.
- Covered family members include the employee’s spouse or domestic partner and unmarried dependent children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 19, and from age 19 up to 25 years if they are enrolled in an accredited school or college as full-time student(s) and are primarily dependent upon the Member for support.
- Covers attorney fees, up to plan limits, for:
- Home: Purchase, sale, refinancing, tenant dispute
- Family: Divorce, adoption, name change
- Consumer: Warranty, cell phone contract, bank fees, small claims court
- Estate Planning: Will, living will, power of attorney
- Financial: Debt, bankruptcy, foreclosure, tax audit
- Criminal: Serious traffic matters, misdemeanor defense
Administered by InfoArmor
The plan provides a comprehensive and proactive defense against identity theft, with a focus on identity monitoring. InfoArmor is capable of identifying anomalies indicative of fraudulent behavior up to 90 days sooner than credit monitoring.
- Covers employee, spouse or domestic partner, and up to three dependents
- Monitors data elements from sources such as credit cards, wireless accounts, retail credit accounts, auto/mortgage loans, check/check reorders, utility accounts, change of address requests
- Provides comprehensive identity restoration services
- $25K identity fraud reimbursement policy underwritten by Travelers Insurance
Legal & Identity Protection Resources
If you have additional questions, please read the InfoArmor Frequently Asked Questions.
This section provides information on the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA). This allows for continued coverage for a certain period if an employee, spouse or domestic partner, or dependent child loses group Medical, Dental, or Vision coverage due to a qualifying life event.
This section provides information on SMU's Employee Assistance Program. Administered through Magellan Health Services, EAP is designed to provide confidential counseling and referral services for all full-time and part-time faculty/staff members and their eligible dependents. SMU pays the full cost of providing the EAP and no employee contributions are required for this program.
This section explains the variety of leaves SMU offers to support employees with their life needs including adoption leave, extended leave (unpaid), maternity leave, military and civil leave, paid medical leave, and qualifying exigency leave. In addition, the Family and Medical Leave Act grants eligible employees the right to take 12 work weeks of job-protected leave over a rolling 12-month period for the qualified reasons.
Southern Methodist University offers tuition benefits to regular, full-time faculty and staff, their spouse/domestic partner, and their dependents.
This section provides information on SMU's Unemployment Compensation Plan. Should an employee be terminated, they may qualify for weekly Unemployment Compensation payments while they look for a new job.
This section provides information on SMU's Workers Compensation Insurance to protect faculty, staff and students who are injured while working for SMU.