The University of Maryland, Baltimore (UMB) provides a comprehensive and competitive benefits package option to eligible employees. 

Health benefit plans are available through the State of Maryland Employee Benefits Division.

General Health Benefits Information:

• State of Maryland Employee Benefits Division Website
• University of Maryland, Baltimore Summary of Benefits
• 2020 State of Maryland Benefits Guide
• Qualifying Life Event Information
• Vendor Contact Directory
• Information for Staff Employees Impacted by a Layoff
• Benefits Upon Separation of Employment

Effective Dates of Coverage:

Effective Dates of Coverage: Coverage will begin on the first of the month following the start date of a new hire or the “Qualifying Event” date (such as marriage, loss of coverage, divorce, etc.). Effective dates for newborns will be adjusted to the actual date of birth. Employee will be billed by the State of Maryland back to their effective date of coverage.

Termination Dates of Coverage: Coverage will terminate on the last day of the month in which an employee separates from employment. If the employee has not had sufficient deductions through the end of the month in which they were covered, the State of Maryland will bill employees who separate employment.

Plan Year 2020 Health Benefit Rates

Employee and Retiree Rates

Contractual Rates

Direct Pay Rates

Retirement Plans 

Plans include a traditional defined benefit plan (pension), a defined contribution retirement plan (for exempt staff and faculty only), voluntary supplemental retirement plans, and pre-retirement planning.

Health Care Plans 

Available are a selection of health care plans (including vision and behavioral health), two dental plans, and a prescription drug plan.

Flexible Spending Accounts (FSA) 

Health care and dependent care FSA plans are available to help pay for health care and dependent care expenses with tax-free money.

Life and Disability Benefits 

Plans include term life insurance plans, an accidental death and dismemberment plan, a long-term disability plan, and long-term care.

Tuition Remission

Tuition remission is a program that provides employees with an opportunity to take classes at a University System of Maryland institution with waived tuition.

Leave Programs

Learn about the holiday schedule, leave packages, and leave definitions and policies for faculty and staff.