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Benefits: Overview

Eligible employees of Liberty University are provided with a wide range of benefits. The information below is for prospective employees looking to learn more about Liberty’s benefit offerings.

Current employees can view more information by visiting the Benefits: Comprehensive page. (Sign in to MyLU to view.)

Insurance Plans



Direct Primary Care

Life & Disability

Liberty offers 2 medical plans through Anthem Blue Cross & Blue Shield.

Key Care High Deductible Health Plan 

  • $1,600 individual deductible or $3,200 deductible for employee + 1 or more members
  • Plan pays 100% for in-network providers after the deductible.
  • Pharmacy – $10/$30/$50 or 20% to $200 after deductible.
  • Option to contribute pre-tax dollars to Health Savings Account (HSA)

Key Care 400 PPO 

  • $40 co-pay for general practitioner/specialist office visits, $100 Urgent Care, $250 Emergency Room.
  • $400 deductible per person or $800 per family (higher out-of-network deductible under Key Care).
  • Pays 80% after deductible is met.
  • $4,500 Out-of-pocket per person or $9,000 per family (higher out-of-network maximum under Key Care).
  • Pharmacy –Mandatory Generic Drug Program with a co-pay of $10/$30/$50 or 20% to $200.
  • Option to contribute pre-tax dollars to Flexible Spending Account (FSA).

Vision – Both plans provide vision coverage:

  • $15 Annual eye exam/ free contact lens fitting.
  • $150 retail allowance for frames or contact lenses.
  • $25 charge for eyeglass lenses and reduced rates for upgrades.

Find Care and Estimate Costs For Doctors Near You

Visit the Anthem portal to find doctors, hospitals, and more in your plan’s network. Get detailed estimates for procedures or services (not available with some plans). You can do a basic search as a guest to find out if a doctor, hospital, or other care provider is in-network.

For a basic search as a guest, use the following information below:

Medical: Keycare PPO
Dental: Dental Complete

Liberty offers 2 dental plans through Anthem Blue Cross & Blue Shield.

Clean Plan

  • $50 deductible per person or $150 family. $1,500 maximum annual benefit.
  • 2 free cleanings per year.
  • Pays 80% of simple restorative and 50% for complex restorative care after deductible.
  • Pays 50% for orthodontic care through age 19. $1,000 maximum benefit.

Care Plan

  • $0 deductible per person. $4,000 Maximum Annual Benefit.
  • No coverage for cleanings
  • Pays 80% for simple restorative and 80% for complex restorative care after deductible.
  • No coverage for orthodontic care

In addition to our medical plans, Liberty University has partnered with a select network of participating primary care providers, Collaborative Health Partners (CHP), to offer employees, covered spouses and children improved access to high-quality primary care services at no out-of-pocket cost.

Liberty offers basic group life & disability & supplemental life insurance through The Hartford.

Group Life & Disability

  • Includes Short Term & Long Term disability insurance
  • Term life insurance that’s driven by employee’s base pay

Supplemental Life Insurance

  • Employee Life: Up to 5X earnings or $500,000
  • Spouse Life: You may elect a coverage amount for your spouse from $5,000 to $250,000 in $5,000
    increments. The maximum amount of Spouse Life Insurance an employee may elect
    cannot be more than 100% of the employee’s Basic & Supplemental Life Insurance.
  • Child Life:  $10,000 coverage



Liberty has several retirement plan options through Transamerica.

  • 403(b) or 403(b) Roth with a 100% match up to 5% of an employee’s base pay.
  • 457 (b) plan for employees who max out their 403(b) to create even more sheltered retirement savings.
  • Faculty are fully vested from initial enrollment.
  • Staff are vested on a 5-year graduated schedule.

Education Benefits

Liberty’s education benefits allow you to continue your education at little to no cost and your dependents* to do the same! Liberty’s education benefits cover:

  • 100% of tuition for classes taken at LU**
  • Up to $1500 toward classes at other colleges & universities
  • One degree at each level: associate, bachelor’s, master’s, postgraduate, and doctoral

*Covered dependents include spouses and unmarried children under age 27.
**Some programs at the College of Osteopathic Medicine and School of Law are excluded

Paid Time Off

Liberty offers all benefitted employees the following amount of paid time off:

  • 120 hours of vacation usable on the 61st day of employment.
  • 40 hours of sick/personal day
  • 72 hours of holidays over 8 holidays.
  • 40 hours of additional vacation upon the employee’s 6th year of service
  • 40 hours of additional vacation upon the employee’s 11th year of service

Other Benefits

In addition to all the benefits listed above there are other perks for working at Liberty University:

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