Who pays for benefits? Coverage Carrier MVCSC Pays Employee Pays Medical UMR Dental Delta Dental $1 per year Vision VSP Vision $1 per year Basic Life + AD&D New York Life $1 per year Voluntary Life + AD&D New York Life Short-Term Disability Aflac Long-Term Disability New York Life $1 per year Accident Insurance Aflac Critical Illness Insurance Aflac Hospital Indemnity Aflac Employee Assistance Program IU Health Whole Life Insurance Boston Mutual