Military Leave Information

Summary of Benefit Program Provisions Applicable to Employees on Military Leave of Absence from the University of Missouri

Employees on military leave of absence from the University are entitled to continue enrollment in the University benefit programs in which they are participants.  Enrollment can continue in all programs or in specific programs selected by the employee, provided the employee pays to the University the amount that would have normally been deducted from the employees pay, where applicable.

Employees may also elect to suspend enrollment and coverage while on military leave and resume enrollment upon their return to an active, benefit-eligible employment status with the University.

In connection with the Life Insurance and Long Term Disability programs, the salary upon which benefits are determined during a military leave of absence will be the salary rate in effect immediately prior to the commencement of the leave of absence.

For the purposes of determining the pre-retirement death benefit under the Retirement Plan, an employees’ final annual salary will be the basis.

The following information is specific to military leaves of absence for each benefit program.

Medical Benefits Plan

Employees who are called into active military duty and are granted a military leave of absence from the University of Missouri are entitled to either:

  • suspend UM Medical coverage while on military leave, or
  • continue UM Medical coverage while on military leave.

An employee who suspends UM Medical coverage while on military leave is entitled to resume enrollment upon return to active employment at the University, provided the employee resumes enrollment within 30 days of the date the employee returns to active employment.

If an employee suspends coverage while on military leave, coverage for a spouse and/or dependent children will also be suspended. Upon returning to work following the leave, the coverage for the spouse and eligible dependents may be resumed along with the employees’ coverage.

During the period of the leave, coverage may be continued as long as applicable premiums are paid, however, the UM Medical Plan does have a specific “war exclusion”, as follows:

The UM Medical Plan will not consider as a Covered Expense, any item or service which is received as a result of an injury or illness resulting from war or any act of war, whether declared or undeclared, or by any act of international armed conflict, or a conflict involving armed forces of any international authority, which war or act or conflict occurs while the employee or dependent, as the case may be, is covered for benefits under the plan.

Accordingly, any expenses described in the preceding paragraph will not be considered eligible expenses under the UM Plan. This exclusion will apply regardless of whether an employee elects to continue or suspend coverage while on military leave.

An employees’ dependents who may be on active duty in the Armed Forces are not eligible for coverage under the UM Plan. Upon discharge from active duty in the Armed Forces, coverage for an individual who meets the requirements of an eligible dependent may be resumed within 30 days of discharge.

Employees called to active duty are automatically covered under the military health plan when they enter active service. Employees may also enroll their families in a separate health plan for dependents available through the military if the employee is called to active duty for more than 30 days. Employees should immediately contact appropriate Armed Forces personnel for information related to these programs.

back to top

Dental Benefits Plan

Employees who are called into active military duty and are granted a military leave of absence from the University of Missouri are entitled to either:

  • suspend UM Dental coverage while on military leave, or
  • continue UM Dental coverage while on military leave.

An employee who suspends UM Dental coverage while on military leave is entitled to resume enrollment upon return to active employment at the University, provided the employee resumes enrollment within 30 days of the date the employee returns to active employment.

If an employee suspends coverage while on military leave, coverage for a spouse and/or dependent children will also be suspended. Upon returning to work following the leave, the coverage for the spouse and eligible dependents may be resumed along with the employees’ coverage.

During the period of the leave, coverage may be continued as long as applicable premiums are paid, however, the UM Dental Plan does have a specific “war exclusion”, as follows:

The UM Dental Plan will not cover dental care or supplies which are furnished in a facility operated under the direction of, or at the expense of, the U. S. Government (or it’s agency) or by a doctor employed by such a facility and for which no payment would be required if the covered individual did not have this coverage, in addition, the plan will not cover dental care or supplies received as a result of war (declared or undeclared) or insurrection.

Accordingly, any expenses described in the preceding paragraph will not be considered eligible expenses under the UM Plan. This exclusion will apply regardless of whether an employee elects to continue or suspend coverage while on military leave.

An employees’ dependents who may be on active duty in the Armed Forces are not eligible for coverage under the UM Plan. Upon discharge from active duty in the Armed Forces, coverage for an individual who meets the requirements of an eligible dependent may be resumed within 30 days of discharge.

back to top

Long Term Disability Plan

Coverage can continue while on military leave; however, the plan will not cover any loss caused by or resulting from declared or undeclared war or any act thereof, or services in the Armed Forces of any country or international authority.

Since UM provides the base LTD benefit (Option A) at no cost to employees, coverage at that level will continue for all employees while on military leave. An employee enrolled in Option B of the LTD Plan can continue that level of coverage by paying the applicable premium during the leave, or may suspend the Option B portion of coverage while on military leave. Upon return to active employment, the employee previously enrolled in Option B can resume enrollment at that level; however, any benefits related to the Option B portion of coverage will be subject to the plans’ three-year pre-existing conditions exclusion.

back to top

Accidental Death and Dismemberment

The plan will not pay for any loss as a result of war or any act of war, whether war is declared or not, or service in one of the Armed Forces of any country or international authority.

Employees may continue coverage by paying the applicable premium during the leave, or may suspend coverage while on the leave. Coverage can be resumed upon return to active employment following the leave.

back to top

Life Insurance

There are no provisions which exclude coverage for death occurring during active duty in the Armed Forces. Accordingly, benefits will be paid while on an approved military leave of absence so long as coverage is continued and applicable premiums have been paid by the employee.

An employee enrolled in Plan B (2X salary) under the Basic Group Term Life Program may suspend coverage for Plan B while on military leave; however, Plan A (1X salary) will remain in effect since it is provided in full by the University. Coverage under Plan B will be available upon return from military leave; however, in order to obtain Plan B upon reemployment, evidence of insurability must be approved.

Supplemental Life (Optional/Universal Life) Coverage which is not continued during a military leave of absence may be reinstated only upon approval of satisfactory evidence of insurability.

back to top

Retirement Plan

The pre-retirement death benefit provision of the Retirement Plan will provide benefits in the event that a vested employee dies while a qualified member is employed by the University. Should a qualified member die while on an approved military leave of absence, the member’s beneficiary would be entitled to receive the pre-retirement death benefit under the plan.

In addition, service credit will continue to accrue under the plan while an employee is on an approved military leave of absence. This service credit applies for the purposes of calculating benefits as well as satisfying the vesting requirements of the Plan.

back to top

Reviewed 2011-09-16.