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.
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 HRC Total Solutions of Manchester, NH. This plan will reimburse 75% of the cost of any in-patient deductible.
Delta Dental of Massachusetts provides comprehensive dental insurance through their PPO plus Premier plan and their extensive network of dentist. The plan covers 100% of preventive dental 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.)
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.
Group Term Life Insurance (GTL) plus Accidental Death & Dismemberment (AD&D) Insurance
Lincoln Financial Group provides Group Term Life Insurance and Accidental Death and Dismemberment Insurance to full time Gordon College employees. Coverage is for a multiple of earnings based on age. (See Employee Handbook for details). For death, the AD&D coverage is an additional payment of the GTL amount. There is no cost for this benefit, however for GTL coverage over $50,000 there is a modest tax implication. For initial enrollment for both coverages, print out and complete the Enrollment Form and return it to Human Resources. Likewise, if you want to change beneficiary, just complete the Beneficiary Change form and return that to HR.
Lincoln Financial Enrollment Form
Lincoln Financial Beneficiary Change 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.
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.
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.
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.
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, HRC Total Solutions, provides members with a Visa Card for payment of eligible expenses.
To contact HR Concepts, call 1.877.647.1147 or go online to their website at www.hrconcepts.biz.