Health Insurance Expenditures – Fellowships and Training Grants Policy
Vice President for Research Policy
Wayne State University (WSU) recognizes the importance of providing a robust research training experience to graduate students and postdoctoral scholars. In order to acknowledge the importance of training grants to the university, as well as to encourage graduate students and postdoctoral scholars to compete for prestigious externally-funded awards, the university will offset a portion of any health insurance overage charged to these types of awards. Research trainees and fellows are considered "non-employees" and are paid via stipends, a mechanism which does not provide the same benefits package as that provided to employees. In order to provide coverage to those taking part in the research experience, medical and dental insurance are offered to these stipend recipients under the same plan that is offered to employees. Since the sponsored awards paying these stipends typically do not provide sufficient funding to cover the employer portion of the health insurance costs, this shortfall often results in a deficit on the sponsored project.
Eligibility Requirements for Fellowships:
External fellowships meeting the following criteria are eligible:
- The fellowship is offered by a national or international agency or institution, with awards determined through a competitive (i.e. peer-reviewed) process.
- For graduate fellows, the competitive award stipend/salary is equal to or greater than the general fund minimum stipend of a WSU graduate assistantship in the same discipline. (https://gradschool.wayne.edu/funding/assistantship-hiring-compensation)
Financial Responsibility - Student:
Stipend recipients will be responsible for paying the employee portion of the health insurance at the same rates paid by employees. The premiums are deducted on a biweekly basis and amounts will vary depending on the insurance plan selected.
The current rates for the various insurance options are published on the Benefits & Wellness website (https://hr.wayne.edu/tcw/health-welfare/medical-rates).
Financial Responsibility - Award:
Health Insurance is an allowable cost under the training related expenses category of NIH training grants (T32, T35), and the institutional allowance category of NIH fellowship awards (F30, F31, F32, F33). This budget line should be used to offset health insurance costs. Currently, these awards include a budget amount of $4,200/each for predoctoral fellows, and $9,850/each for postdoctoral fellows. Health insurance budget amounts provided by fellowships from other sponsoring agencies may vary.
Financial Responsibility - University:
In the event that the total cost of health insurance charged to the grant exceeds the amounts budgeted for training related expenses or institutional allowance, the overage will be covered as established by agreement between OVPR and the relevant School/College/Division.
- Upon ending of the award period, staff in Sponsored Program Administration (SPA) will prepare a reconciliation of the grant expenditures incurred on the award. They will communicate with the department administrators to ensure all expenditures are properly incurred and finalize the insurance shortfall amount.
- The individual's department should complete the electronic Health Insurance Shortfall form. It will be automatically forwarded to Sponsored Program Administration (SPA) for their approval.
- SPA will review and approve. The form will be forwarded to the OVPR Business Office along with a copy of the financial report workpapers for their approval.
To access the Health Insurance Shortfall Form, visit here.
Last Policy Update: September 1, 2020