Benefits

2026 Employment Benefit Program

Because our employees’ physical health and overall well-being are essential to the success of Claflin’s family structure, we offer a comprehensive benefits program that includes health and dental coverage, as well as retirement planning.

Claflin University continues to offer quality Medical and Prescription Drug coverage administered by EBMS (Employee Benefits Management Services).

Health Insurance

Semi-Monthly Premiums (Feb 2026 – Jan 2027)

Premiums are listed below by plan and coverage type.

Open Access Plan
Coverage	Premium
Employee only	$131.71
Employee only (annual salary under $35,000)	$84.67
Employee/Spouse	$283.66
Employee/Child(ren)	$246.04
Family	$384.09

Cigna Plan
Coverage	Premium
Employee only	$151.49
Employee only (annual salary under $35,000)	$104.15
Employee/Spouse	$322.19
Employee/Child(ren)	$282.15
Family	$413.91

Plan & Coverage Overview (Feb 2026 – Jan 2027)

Employees will have access to two medical network options: the Open Access Plan and the Cigna Plan, providing flexibility to choose medical providers both in South Carolina and nationwide.

Dental Coverage: Provided through Humana.
Prescription Drug Coverage: Administered by ProCare.

GAP Supplement: Provided through TransConnect (administered by TransAmerica) to help reduce deductible and copay expenses.

Vision Insurance

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Semi -Monthly Premiums

We offer vision insurance with Humana.

Employee $5.46
Employee & Spouse $10.90
Employee & Child(ren) $11.04
Family $16.95

Vision Summary
Dental Insurance

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We offer dental only coverage with Humana for employees who have not enrolled in the major medical health insurance plan. It is strictly a voluntary cost, paid by employees only.

Semi - Monthly Premiums: Feb 2025-Jan 2026

Employee Only: $17.78
Employees & Spouse: $35.57
Employees & Child(ren): $42.82
Employees & Family: $64.72

Dental Summary

We provide payroll deductions for voluntary critical illness and group accident policies offered through SunLife Financial.
Long-Term Disability

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The long-term disability plan provides financial protection by paying a portion of one's income while out disabled. The plan pays 60% of one's monthly earnings once confirmed as disabled by a physician after 180 days. The disability claim must be approved by the carrier, Lincoln Financial Group.
Group Life And Accident Insurance

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All full-time employees are provided accident and life insurance in the amount of $30,000 at no cost to them. Optional and dependent life coverage is also available for purchase.
Retirement Program

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Claflin University offers two exceptional retirement plans. Teachers Insurance and Annuity Association College Retirement Equities Fund (TIAA-CREF), one of the largest and most respected financial service providers in the world ensures the financial well-being of faculty and staff across America's education and research communities.

TIAA Retirement Plan (403b)

Employees may enroll in this plan after 12 months of consecutive service. He/she must contribute 4% of their annual salary at which time Claflin will match at 7.5%.

TIAA Supplemental Annuity

An employee may contribute at any time during their employment at their own discretion. This supplemental plan does not require a wait period nor does Claflin contribute any funds towards it.
LegalShield

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We allow payroll deductions for any employee electing to become a member of LegalShield prepaid legal services. Membership provides families with immediate access to quality legal protection for a low monthly fee. Visit LegalShield for detailed information.
Washington National

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We provide payroll deductions for voluntary cancer and heart/stroke policies offered through Conesco Insurance Company. Visit Conesco Insurance Company for company details.
Allstate Insurance

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We provide payroll deductions for universal life insurance and voluntary supplemental policies offered through Allstate Insurance Company. Visit Allstate Insurance Company for company details.
SAM'S Club Group Membership

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Sam’s Club Group Membership is available. Visit Sam’s Club for company details.

Leave Accruals

Sick Leave

All employees’ accrue 1 day of sick (4 hours per pay period) per month. You may accrue an unlimited amount of sick leave. Probation period is not required.

Years of Service	Accrual Amount Annual Earnings	Per Pay Period (Hours)
6 months (credited)
7-12 months
1 – 14
15 – 19 years
20 years or more

New hires will not receive any vacation leave until they have satisfied their six-month probationary period. Upon successfully completing the probationary period, employees will be credited with 40 hours of vacation leave.

Maximum accumulations for vacation leave are as follows:
7 months - 14 years = 20 days (160 hours)
15 - 19 years = 30 days (240 hours)
20 years or more = 40 days (320 hours)

Vacation leave hours above the maximum accumulation will be deducted on July 1st of each year.

Pay Periods

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Claflin University has a semi-monthly pay period. Paychecks are issued twice a month on the 3rd and 18th of each month. Should either of those days fall on a Saturday or Sunday, checks are released the Friday before. Direct deposit is strongly recommended.
Personal Accident Indemnity Plan

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We provide payroll deductions for voluntary accident and specified health event protection policies offered through Aflac. Visit Aflac for company details.
Voluntary Medical Gap Plan

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We provide payroll deductions for voluntary medical gap plan policies offered through Colonial Life Insurance Company. Medical gap plans are used as a supplement to your medical group plan and carry valuable surgical and hospital coverage. Visit Colonial Life Insurance Company for details.
FSA Qualified Expenses

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FSA Qualifed Expenses

Benefits

2026 Employment Benefit Program

Health Insurance

Semi-Monthly Premiums (Feb 2026 – Jan 2027)

Plan & Coverage Overview (Feb 2026 – Jan 2027)

Sick Leave

FSA Qualifed Expenses