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Insurance Benefits

Group Medical

Blue Cross and Blue Shield of Massachusetts provides comprehensive medical insurance through their HMO Blue New England Premier Value plan and an extensive physician and hospital network throughout New England. The plan includes preventative care, prescription drugs (including mail-order), bi-annual vision exams, world-wide emergency and urgent care, chiropractic care, and fitness benefits. There is a $1,000 deductible per person per year ($2,500/ family) for in-patient care (see "HRA" below). For fulltime employees, the College contributes 80% of the premium for either an individual or family plan. The employee contribution is pre-tax, saving on Federal, State and FICA taxes.

HMO Blue New England Summary of Benefits and Coverage
HMO Blue New England Premier Value Overview of Benefits 
BC/BS Enrollment Form   
Rate Schedule for A, B & C Employees
 

To contact the Blue Cross customer service center, call 1.800.831.8730 and reference group number 2276596 or go online to their website at www.bluecrossma.com.

HRA - (Health Reimbursement Arrangement)

Gordon College will automatically enroll all members of the HMO Blue New England Premier Value plan into the Gordon College HRA plan administered by HR Concepts of Manchester, NH. This plan will reimburse 75% of the cost of any in-patient deductible.

Deductibles and HRA (Gordon Plan Explanation)
HRA Education Document (HR Concepts)

Group Dental

Delta Dental of Massachusetts provies comprehensive dental insurance through their PPO plus Premier plan and their extensive network of dentist. The plan covers 100% of preventive detnal expenses, 100% of basic restorative work after a $50 deduction and 50% of major restorative dental expenses. The maximum benefit is $1,000 per person per calendar year with a rollover feature for usage of less than half the limit. For fulltime employees, the college contributes 50% of the premium for either an individual or family plan. (see Rate Schedule above under Group Medical.)

Delta Dental PPO plus Premier Coverage Summary
Delta Dental Enrollment Form
Rollover Brochure

To contact Delta Dental of Massachusetts, call 1-800-872-0500 or go to their website at www.deltadentalma.com

Medical Waiver Credit

Gordon College offers a medical waiver credit as additional compensation to employees who decline health insurance because they are covered elsewhere. Proof of alternate coverage is required.

Gordon Medical Waiver Credit Form
Massachusetts Medical Waiver (HIRD)

Group Term Life Insurance (GTL)
Lincoln Financial Group provides Group Term Life Insurance to full time Gordon College employees. Coverage is for a multiple of earnings based on age. (See Employee Handbook for details). There is no cost for this benefit, however for coverage over $50,000 there is a modest tax implication. For initial enrollment or to change beneficiaries, print out and complete the following Enrollment Form and return it to Human Resources.

Lincoln Financial Enrollment Form
Certificate of Coverage
Life Continuation Premium Calculation
(For terminating employees wanting continued life insurance)
GTL Imputed Tax Value Table

To contact Lincoln Financial Group, call 1.800.423.2765 and reference our policy number – 01-0043547.

Accidental Death & Dismemberment Insurance
As an augment to group term life insurance, Gordon College, through the Zurich American Insurance Company, automatically covers fulltime employees for an additional amount of life insurance in the event of an accidental death or serious dismemberment. For death, the coverage is an additional payment of the same amount of coverage provided by the GTL policy. There is no enrollment or tax implication. The GTL Enrollment form is used for this coverage.

Basic Accident Policy
Zurich Travel Assist Brochure
Travel Assist Card

To contact Zurich regarding claims, call 1-800-841-4771. To speak to someone about their "Travel Assist" program, call 1-800-263-0261.

Supplemental Life Insurance
For employees wanting additional life insurance coverage above that provided by the college, as well as possibly spousal and/or child coverage, Gordon College makes available an employee paid, low cost option through The Hartford. Eligibility is upon hire or during the annual enrollment in November. Employees not signing up on hire or exceeding the guaranteed coverage of $125,000 will need to complete a medical history form.

Supplemental Life Enrollment Form
Medical Underwriting Form (1st page to be completed by HR)
Coverage Brochure
Supplemental Life Insurance Certificate

To contact The Hartford Customer Service Unit, call 1.877.663.4278 and reference our Group # - 68892 or go online to their website at www.thehartfordatwork.com .

Long Term Disability Insurance
Gordon College automatically enrolls all fulltime employees in long term disability coverage insured by The Hartford. After six months of sick pay, an employee still unable to work due to injury or illness will receive 60% of their base pay from The Hartford for the length of their disability or until age 65. There are no cost or tax implications with this coverage.    

Long Term Disability Benefits Highlights 
Application for LTD Benefits (Sections 2-5)

To contact The Hartford Customer Service Unit, call 1.877.663.4278 and reference our Group # - 68892 or go online to their website at www.thehartfordatwork.com.

Supplemental Long Term Disability Insurance
Gordon College makes available to full time employees additional disability insurance on an employee paid, post-tax basis through Unum Group. The typical amount of additional coverage, on top of the 60% provided by the college, is for 15% of salary, but the benefits would be non-taxable. This coverage is only made available during special enrollment periods.

Supplemental Disability Flyer
Income Protection Enrollment Application

To contact Unum Group LTD Claims department, call 1.800.633.7479

Flexible Spending Accounts
Fulltime and part-time employees (working over 15 hours/week), are eligible to enroll in a medical care and/or dependent care flexible spending account on hire or during the open enrollment period in November. The accounts are funded by the employee's pre-tax contributions, saving up to 30% on net pay. Our outside vendor for this benefit, HR Concepts, provides members with a Visa Card for payment of eligible expenses.

Flexible Spending Accounts – Education
FSA Election Calculator
FSA Eligible and Ineligible Expenses
FSA  Enrollment Form
FSA Universal Claim Form
FSA Direct Deposit Authorization
Receipt Policy

To contact HR Concepts, call 1.877.647.1147 or go online to their website at www.hrconcepts.biz.