Transcription
CLICK ONA LINKBELOW nceBenefits effective July 1, 2021EnrollingEligibilityChoosing a PlanSummary ofBenefitsHealth InsurancePlansMap KeyDental / VisionInsuranceN ew H i reFSA and ChildCare AssistanceProgramLife Insurance ck Leave BankTime OffTuition BenefitsBenefit Formsand BenefitSummaries1
Health Insurance —Great Benefits. Great Options.At UMass Medical School, our commitment to provide quality health care is at the heartof everything we do. We are driven to improve lives, including the lives of our employees.That’s why UMass Medical School offers its eligible employees a robust benefits programthat meets your day-to-day needs and helps you to build a bright future. The variety ofbenefits we offer support your physical, emotional and financial wellness and allow youto choose the plans that best meet your needs and your budget.This Benefits At-a-Glance provides an overview of the insurance plan options availableto you. Please take the time to review the benefits information and the costs associatedwith each plan, and choose the benefit plans that are best for you and your family.G I C Fo r m SubmissionPro ce s sCOBRACLICK ONA LINKBELOW TONAVIGATEIf you had health insurance through yourprevious employer, you may continue thiscoverage during the 2-month waiting period.HealthInsuranceMA Health ConnectorEnrollingOffers a number of plans available on anafter-tax payment basis. To review plans, goto mahealthconnector.org.Eligibility2-Month Waiting Period Optionsfor Health Insurance.Choosing a PlanSummary ofBenefitsB WaiverIf you have urgent, immediate medicalexpenses during the 2-month waiting period,you may apply to buy GIC coverage at fullcost for that period of time.Health InsurancePlansMap KeyDental / VisionInsuranceOnlineFSA and ChildCare AssistanceProgramYou may use the myGICLink to access enrollment forms to makeAnnual Enrollment changes.y Go to bit.ly/mygiclinky Enter your email address and DOB (if myGIClink indicates theydon’t have your email address, please call the GIC at 617.727.2310(TDD/TTY 711) to have the GIC update the email address)New Employeesy Choose your GIC form(s)begin on the first of the month following 60 days or twoy Select Request and then check your email for the requested form(s)y Follow instructions for completion of the form(s), select Submity Watch your email for confirmation of receiptYou must enroll within 10 calendar days of hire. BenefitsYou may mail your GIC forms to make Annual Enrollment changes.from the date of the event to enroll or make the changes.y Follow instructions for completion of the form(s)y Save a completed copy on your computerRetirementPlansQualifying EventsIf you experience a qualifying life event, you have 60 daysy Choose and access your GIC form(s) by clicking on the linksDisabilityfull calendar months, whichever comes first.Maily Go to the UMMS HR Benefits Form website page atumassmed.sharepoint.com/sites/hrLife Insurance /AD&DAdditionalBenefitsSick Leave BankEligibilityTime OffEmployees budgeted for 20 hours or more per week,Tuition Benefitstheir spouse and dependents up to age 26.Benefit Formsand BenefitSummariesy Print out a completed copy of the form(s) and sign the hard printcopy(s) (requires an ink signature)y Mail and return completed form(s) and documentation toCommonwealth of Massachusetts-Group Insurance Commission,P.O. Box 556, Randolph, MA 023682
CLICK ONA LINKBELOW TONAVIGATEYour Benefits. Your Choice.To make the right choice for you and your family, there are anumber of things to keep in mind when reviewing the healthinsurance plan options available to you.1HealthInsuranceYour location.EnrollingWhere you live determines the health insurance plan optionsavailable to you. Review the map in this Benefits At-a-Glance todetermine which plans are available in your service area.2Costs.Determine how much you are willing to pay for health care. Inaddition to your payroll contributions (premium payments), you’llwant to consider your other out-of-pocket costs, such as coinsurance.Limited network plans help address differences in provider costs.You will enjoy the same benefits as the wider network plans, butwill save money because limited network plans have a smallernetwork of providers (fewer doctors and hospitals).5Impor tantSummary ofBenefitsN o te sHealth InsurancePlansMap KeyDetermine whether your physicians and facilities are inthe network.If you have a physician or facility that you’d like to continue to use,confirm that they are included in the plan network and identify theirquality/cost tier assignment. Keep in mind that if your physician orfacility leaves your health insurance plan’s network during the year,you must stay in the plan for the year. You can change to anotherplan during the next Open Enrollment. In the meantime, the healthinsurance plan will help you find another provider.4Choosing a PlanCompile a list of your doctors, hospitals and frequentlytaken medications.Be sure to include the same information for every family memberyou cover.3EligibilityChoose the plan best suited for your unique circumstances.UMass Medical School, through the GIC, offers a variety of planoptions to meet a variety of needs. The best health plan for you willdepend on your individual needs and preferences. So, it’s importantto understand how each plan works and what matters most to you.Dental / VisionInsurancey Check with your carrier to see if your provider is still inthe network or if copays have changed. See the HealthInsurance Plan chart for carrier contact information.FSA and ChildCare AssistanceProgramy Integration of Medical and Behavioral Health Benefits isthrough your health insurance carrier.Life Insurance /AD&Dy You will pay lower copays for providers with the highestquality and/or cost-efficiency scores (based on specificcriteria and national and industry standards):Disabilityà Tier 1 (excellent) à Tier 2 (good) à Tier 3 (standard)y Physicians for whom there is not enough data andnon-tiered specialists are assigned a plan’s Tier 2 level.RetirementPlansy Keep in mind that if you change plans (i.e., change to anew plan carrier) you will incur a new deductible.AdditionalBenefitsSick Leave BankFor complete plan details, view the 2021-2022 GIC Benefit Decision Guideon the UMMS Benefits website at umassmed.sharepoint.com/sites/hr orgo to GIC’s website at mass.gov/gic.Time OffTuition BenefitsBenefit Formsand BenefitSummaries3
Summary of BenefitsThe Summary of Benefits to the right gives you a snap-shot ofprimary features of each health insurance plan. Before making yourfinal decision, you should review the plan documents or contactthe health insurance plan you are considering to learn more about:y Information on other health insurance plan benefits that arenot described in this Benefits At-a-Glance;SAME BENEFITS FOR ALL HEALTH PLANSPreventive ServicesEye & GI Procedures at FreestandingFacilities in MA*For UniCare, copay for any procedureat a freestanding facility is 0.y Whether your physicians and facilities are in the network; andy Which copay tiers your physicians and facilities are in.“Same Benefits for All Plans” is just that – these plan features arethe same in all plans so there is no need to factor them in whendetermining the right plan for you.Telehealth CoverageEmergency Room CareHigh-Tech Imaging(e.g., MRI, CT and PET scans)Health Insurance Plans – Footnotes12Out-of-pocket maximums apply to medical and behavioral healthbenefits across all health insurance products. Prescription drug (Rx)benefits are included in the out-of-pocket maximums for all healthinsurance products.Out-of-Pocket Maximum1Limited network plans help address differences in provider costs. You willenjoy the same benefits as the wider network plans, but will save moneybecause limited network plans have a smaller network of providers (fewerdoctors and hospitals).Prescription Drug Administrator –Express Scripts IndividualFamilyTelephone NumberWebsite3 15 per visit for Centered Care PCP.4UMass Memorial’s current Physician and Hospital agreement with HarvardPilgrim, Health New England and Tufts expires on December 31, 2021 andwe cannot confirm at this time whether UMass Memorial providers willcontinue their participation with Harvard Pilgrim, Health New Englandand Tufts beyond 2021.Prescription Drug DeductibleComprehensive. Without CIC, deductibles are higher and coverageis only 80% for some services. Out-of-network benefits – This plandetermines allowed amounts for out-of-state providers; you may beresponsible for a portion of the total charge. Use UniCare’s nationalnetwork of providers to avoid these charges.Retail: up to a 30-day supply5CLICK ONA LINKBELOW TONAVIGATEIndividualFamilyMost covered at 100%;no copayHealthInsurance 150*EnrollingEligibilityThree no-copay in-networkbehavioral health telehealthvisits per year; contact plan fordetailsChoosing a Plan 100 per visit(waived if admitted)Health InsurancePlansSummary ofBenefitsMap Key 100 per scan(maximum one copay perday; contact plan for details)Dental / VisionInsuranceFSA and ChildCare AssistanceProgram 5,000 10,000Life Insurance lity 100 200RetirementPlansAdditionalBenefitsPrescription DrugTier 1Tier 2Tier 3 10 30 65Sick Leave BankTime OffMail-OrderTuition BenefitsMaintenance drugs: up to a 90-day supplyTier 1Tier 2Tier 3Employee Assistance Program 25 75 165Benefit Formsand BenefitSummariesNo cost4
HEALTH INSURANCE PLANS*Listed from lower cost to higher costPLAN TYPEUniCare StateIndemnity Plan/CommunityChoiceHealth NewEngland 4Tufts HealthPlan Spirit 4Fallon HealthDirect CareHarvard PilgrimPrimary ChoicePlan 4UniCare StateIndemnityPlan/PLUSPPO-TYPEHMOEPO (HMO-TYPE)HMOHMOPPO-TYPECLICK ONA LINKBELOW TONAVIGATEUMASS MEMORIAL HOSPITALS/AFFILIATED FACILITIES – IN-NETWORKUMass Memorial HealthAlliance –Clinton Hospital – Clinton CampusUMass Memorial HealthAlliance –Clinton Hospital – Fitchburg CampusUMass Memorial HealthAlliance –Clinton Hospital – Leominster CampusMONTHLYRATESEnrollingMarlborough HospitalEligibilityUMass Memorial – Memorial CampusUMass Memorial – University CampusChoosing a PlanUMass Memorial – HahnemannCampusSummary ofBenefitsUMass Memorial Medical GroupPrimary Care PhysiciansLimited Participation –Check with PlanUMass Memorial Medical GroupSpecialty Care PhysiciansException Basis withPrior AuthorizationHealth InsurancePlansMap KeyType of GIC Network Plan 2LimitedRegionalLimitedLimitedLimitedBroadFor Employees HiredBefore July 1, 2003IndividualFamily 119.62 295.41 126.90 301.11 128.57 308.58 128.33 322.49 140.37 356.42 157.12 373.31For Employees Hired onor After July 1, 2003IndividualFamily 149.53 369.26 158.62 376.39 160.71 385.72 160.42 403.11 175.47 445.53 196.41 466.64Telephone cunicaremass.comPCP Required?NoYesNoYesYesNoReferrals to Network SpecialistsRequired?NoNoNoYesYesNo 400 800 400 800 400 800 400 800 400 800 500 1,000 20 per visit 3 20 per visit 20 per visit 15 per visit 20 per visit 20 per visit 3 30 per visit 60 per visit 75 per visit 30 per visit 60 per visitNo Tier 3 30 per visit 60 per visit 75 per visit 30 per visit 60 per visit 75 per visit 30 per visit 60 per visitNo Tier 3 30 per visit 60 per visit 75 per visitRetail Clinic and Urgent Care Center 20 per visit 20 per visit 20 per visit 15 per visit 20 per visit 20 per visitOutpatient Behavioral Health andSubstance Use Disorder Care 15 per visit 20 per visit 20 per visit 15 per visit 20 per visit 15 per visitPlan Year MedicalDeductibleSUMMARY OF BENEFITSHealthInsuranceIndividualFamilyPrimary Care Provider Office VisitSpecialist PhysicianOffice VisitTier 1Tier 2Tier 3Dental / VisionInsuranceFSA and ChildCare AssistanceProgramLife Insurance ck Leave BankTime OffTuition BenefitsMaximum one copay per person per calendar year quarter. Waived if re-admitted within 30 days in the same calendar year.Inpatient HospitalCare – MedicalTier 1 (excellent)Tier 2 (good)Tier 3 (standard) 275 per admissionNo tiering 275 per admissionNo tiering 275 per admission 500 per admissionNo Tier 3 275 peradmissionNo tiering 275 per admission 500 per admissionNo Tier 3Benefit Formsand BenefitSummaries 275 per admission 500 per admission 1,500 per admissionMaximum one copay per calendar quarter or four per year, depending on plan. Contact the plan for details or see the GIC Benefit Decision Guide.Outpatient Surgery 110 peroccurrence** 250 per occurrence 250 per occurrence* You pay both a copay and a deductible for some services. For details, see your plan’s Schedule of Benefits at mass.gov/gic.** For UniCare, check handbook for provider tiering at mass.gov/gic. 250 peroccurrence 250 per occurrence 110 per occurrence** 110 per occurrence** 250 per occurrence**5CONTINUEDon next page
HEALTH INSURANCE PLANS*Listed from lower cost to higher costPLAN TYPEAllWays HealthPartners Complete(Formerly NeighborhoodHealth Plan)HMOTufts Health PlanNavigator 4Fallon HealthSelect CareHarvard PilgrimIndependencePlan 4UniCare StateIndemnity Plan/Basic With CIC 5POSHMOPOSINDEMNITYCLICK ONA LINKBELOW TONAVIGATEUMASS MEMORIAL HOSPITALS/AFFILIATED FACILITIES – IN-NETWORKUMass Memorial HealthAlliance –Clinton Hospital – Clinton CampusUMass Memorial HealthAlliance –Clinton Hospital – Fitchburg CampusUMass Memorial HealthAlliance –Clinton Hospital – Leominster CampusMONTHLYRATESEnrollingMarlborough HospitalEligibilityUMass Memorial – Memorial CampusUMass Memorial – University CampusChoosing a PlanUMass Memorial – HahnemannCampusSummary ofBenefitsUMass Memorial Medical GroupPrimary Care PhysiciansHealth InsurancePlansUMass Memorial Medical GroupSpecialty Care PhysiciansMap KeyType of GIC Network Plan 2RegionalBroadBroadBroadNationalwithout CICwith CICFor Employees HiredBefore July 1, 2003IndividualFamily 154.33 401.01 168.02 409.03 173.27 419.92 193.45 470.85 229.19 506.73 289.58 644.22For Employees Hired onor After July 1, 2003IndividualFamily 192.91 501.26 210.02 511.29 216.59 524.90 241.82 588.57 286.49 633.41 346.88 770.90Telephone rg/gicharvardpilgrim.org/gicunicaremass.comPCP Required?YesYesYesYesNoReferrals to Network SpecialistsRequired?YesYesYesYesNo 500 1,000 500 1,000 500 1,000 500 1,000 500 1,000 20 per visitTier 1: 10Tier 2: 20Tier 3: 40 20 per visitTier 1: 10Tier 2: 20Tier 3: 40 20 per visit 30 per visit 60 per visitNo Tier 3 30 per visit 60 per visit 75 per visit 30 per visit 60 per visit 75 per visit 30 per visit 60 per visit 75 per visit 30 per visit 60 per visit 60 per visit 20 per visit 15 or 20 per visitWebsitePlan Year MedicalDeductibleSUMMARY OF BENEFITSHealthInsuranceIndividualFamilyPrimary Care Provider Office VisitSpecialist PhysicianOffice VisitTier 1Tier 2Tier 3Retail Clinic and Urgent Care CenterOutpatient Behavioral Health andSubstance Use Disorder Care 20 per visit 20 per visit 20 per visit 10 Retail Clinic/ 20 Urgent Care 20 per visit 10 per visit 20 per visit 10 per visitDental / VisionInsuranceFSA and ChildCare AssistanceProgramLife Insurance ck Leave BankTime OffTuition BenefitsMaximum one copay per person per calendar year quarter. Waived if re-admitted within 30 days in the same calendar year.Inpatient HospitalCare – MedicalTier 1 (excellent)Tier 2 (good)Tier 3 (standard) 275 per admissionNo tiering 275 per admission 500 per admission 1,500 per admission 275 per admission 500 per admission 1,500 per admission 275 per admission 500 per admission 1,500 per admissionBenefit Formsand BenefitSummaries 275 per admissionNo tieringMaximum one copay per calendar quarter or four per year, depending on plan. Contact the plan for details or see the GIC Benefit Decision Guide.Outpatient Surgery 250 per occurrence 250 per occurrence 250 per occurrence* You pay both a copay and a deductible for some services. For details, see your plan’s Schedule of Benefits at mass.gov/gic.** For UniCare, check handbook for provider tiering at mass.gov/gic. 250 per occurrence 250 per occurrence6
MAP KEYThe UniCare State Indemnity Plan/Basic is the only health plan offered by theGIC that is available throughout the United States and outside of the country.This map indicates which health insuranceplans are available in each area.CCUniCare State IndemnityPlan/Community ChoiceHNE Health New EnglandTHPS Tufts Health Plan SpiritAHPH AllWays Health Partners Complete(Formerly Neighborhood Health Plan)THPN Tufts Health Plan NavigatorFDC Fallon Health Direct CareHPC Harvard Pilgrim Primary Choice PlanPLUS UniCare State Indemnity SC Fallon Health Select CareHP Harvard Pilgrim Independence PlanIP UniCare State Indemnity IPMap KeyDental / VisionInsuranceAHPHTHPNFSCHPIPLife Insurance PSFDCHPCPLUSFSA and ChildCare AssistanceProgramRetirementPlansSURROUNDING STATESNewHampshireHealth InsurancePlansBarnstableDukesNew YorkSummary ing a inBerkshireHealthInsuranceEssexEssexHampshireCLICK ONA LINKBELOW PNHPIPSick Leave BankTime OffTuition BenefitsBenefit Formsand BenefitSummaries7* Not every city and town is covered in this county or state; contact the health insurance carrier to find out if you live in the service area. The product alsohas a limited network of providers in this county or state; contact the health insurance carrier to find out which doctors and hospitals participate.
CLICK ONA LINKBELOW TONAVIGATEDental and Vision InsuranceNew employees must enroll within 10 calendar days of hire. Benefits begin on the first of the month following 60 days or two full calendarmonths, whichever comes first.HealthInsuranceYou may enroll and make plan changes during the Open Enrollment period that occurs each April/May with coverage effective July 1. Onceenrolled, you may add or delete dependents if you have a qualifying event.EnrollingDental Insurance – Cigna DentalVision Insurance – Guardian VisionEligibilityGood oral health is important, not only to your teeth and gums, but to your overallhealth. That is why it’s so important to see your dentist on a regular basis. You mayelect dental coverage in one of our two dental plans. UMMS pays the entire cost of theBasic Plan for Individual and Family coverage. If you enroll in the Plus Plan, both youand UMMS share in the cost.UMMS offers an optional vision plan throughGuardian, providing affordable eye care for youand your family. The plan provides:Choosing a PlanBENEFITBASIC PLANPLUS PLAN 50 150 25 75Annual Plan Maximum** 750 per person 1,500 per personPreventive Care Services100%100%Basic Restorative Services50%80%Major Restorative Services40%60%No coverage50%up to 1,500 per dependentchild, up to age 19Annual Deductible*IndividualFamily MaximumOrthodontia Maximum* Waived for Preventive Care.** If you change plans effective 7/1/21, keep in mind that the Annual Plan Maximum is by calendar year.For example, if a covered person has reached the Annual Plan Maximum under the Plus Plan andswitches to the Basic Plan, no additional reimbursement under the Basic Plan will be allowed, untilthe beginning of the next calendar year.Summary ofBenefitsy 10 copay for routine eye exam in-networkHealth InsurancePlansy 25 copay for eye glasses in-networky Copay for elective contact lenses variesdepending on fitting and evaluationMap KeyDental / VisionInsuranceEmployee CostIndividual 2.94 bi-weeklyFamily 8.10 bi-weeklyFSA and ChildCare AssistanceProgramFor complete plan details, view the GuardianPlan Summary available on the UMMS Benefitswebsite at umassmed.sharepoint.com/sites/hr.To check providers in the network, go tohttps://www.guardianlife.com/vision-insuranceand scroll down to access the providers offered inyour Guardian VSP vision plan.Life Insurance ployee CostBASIC PLANPLUS PLANIndividualNo cost 9.42 bi-weeklyFamilyNo cost 34.34 bi-weeklySick Leave BankTime OffTuition BenefitsFor complete plan details, view the Cigna Plan Summaries available on the UMMSBenefit Formsand BenefitSummariesBenefits website at umassmed.sharepoint.com/sites/hr.8
CLICK ONA LINKBELOW TONAVIGATEFSA and Child Care Assistance ProgramFlexible Spending AccountsChild Care Assistance ProgramUMMS offers two Flexible Spending Accounts – a Health CareSpending Account (HCSA) and a Dependent Care AssistanceProgram (DCAP).The UMMS Child Care Assistance Program helps to make childcare for children in pre-kindergarten or younger affordable fornon-union UMMS employees. The Child Care Assistance Programpays a portion of child care expenses for licensed day care centersand in family child care homes. The amount of assistance thatthe program provides is determined by your adjusted grossfamily income.A Flexible Spending Account is a special account that allows youto set aside money to pay for certain out-of-pocket health carecosts. Flexible Spending Accounts (FSAs) help you save money,too, by providing a way to pay for certain everyday health ordependent care expenses on a tax-free basis. Anyone who haspredictable out-of-pocket medical, dental, vision or dependentcare expenses should consider an FSA.The Health Care Spending Account (HCSA) lets you payfor eligible medical, dental and vision care expenses such asdeductibles, copays, coinsurance amounts, prescription drugsand other charges not covered or fully reimbursed under amedical, dental or vision plan. You may contribute between 250 and 2,750 to your HCSA each year.The Dependent Care Assistance Program (DCAP) allows youto pay for qualified expenses incurred for custodial dependents(children under age 13) or elder care expenses you incur whileyou and your spouse work or search for work. You may contributeany amount up to 5,000 per household to your DCAP each planyear ( 2,500 if married but filing separate tax returns). Under IRSguidelines, you can only be reimbursed for dependent care thathas already taken place and up to the amount you have alreadycontributed to your DCAP.HealthInsuranceEnrollingEligibilityChoosing a PlanSummary ofBenefitsApplications to participate in the program are only acceptedduring the annual Open Enrollment period (April/May), with theprogram beginning July 1. The Child Care Assistance Program isadministered by Crosby Benefit Systems, a division of WageWorks.Crosby will work with you during the enrollment period, answeringquestions on eligibility, the payment process, etc.Health InsurancePlansMap KeyDental / VisionInsuranceYou may participate in both the Child Care Assistance ProgramAND the Dependent Care Assistance Program (DCAP). However,IRS limits the total amount of dependent care assistance perhousehold to 5,000 each year.FSA and ChildCare AssistanceProgramFor complete plan details, view the Child Care AssistanceSection available on the UMMS Benefits website atumassmed.sharepoint.com/sites/hr.Life Insurance /AD&DDisabilityRetirementPlansFor complete plan details, view the Flexible SpendingAccounts Section available on the UMMS Benefits website atumassmed.sharepoint.com/sites/hr.i o n s?A ny Q u e s tVisit the HR Benefits website, umassmed.sharepoint.com/sites/hr,contact the Benefits Department in the HR Service Center atbenefits.umms@umassmed.edu, or call 508.856.5260, Option 1.AdditionalBenefitsSick Leave BankYou can save up to 30% on eligibleout-of-pocket health and dependentcare costs by enrolling in a FlexibleSpending Account (FSA). You mustre-enroll in your health care ordependent care FSA every year.Time OffTuition BenefitsBenefit Formsand BenefitSummaries9
CLICK ONA LINKBELOW TONAVIGATELife Insurance and Accidental Death & DismembermentOptional Life Insurance and Accidental Death & Dismemberment (AD&D)Optional Life Insurance is offered to you as a voluntary benefitthrough MetLife. The cost is based on your age, salary and theamount of insurance coverage you elect. Coverage is effectiveon the first of the month following 60 days of employment ortwo full calendar months, whichever comes first, if you enrollas a new hire. In addition, you are also provided with 5,000 ofBasic Life Insurance with your health insurance plan throughthe Group Insurance Commission.Basic Featuresy May elect up to 8x annual salary (up to 1.5 million maximum)without Evidence of Insurability as a new hirey Accidental Death & Dismemberment includedy Portable upon terminationy Option available to convert to permanent whole or universallife policyWhen to enroll – You may enroll as a new hire during your first10 days of employment without having to provide evidence ofmedical insurability. If you choose to enroll at a later date, youmust prove evidence of medical insurability.MONTHLY OPTIONAL LIFE INSURANCE RATESPer 1,000 of CoveragePer 1,000 of CoverageNon-Smoker RateEnrollingUnder Age 35 0.10 0.04EligibilityActive Employee AgeSmoker RateHealthInsurance35-44 0.12 0.0545-49 0.19 0.0650-54 0.31 0.1355-59 0.49 0.2060-64 0.73 0.2965-69 1.37 0.67Age 70 and over 2.49 1 .13Choosing a PlanSummary ofBenefitsHealth InsurancePlansMap KeyRates include Accidental Death & Dismemberment coverage.State employees who have a qualified family status change duringthe year may enroll in or increase their coverage without evidenceof medical insurability in an amount up to 4x salary within 60 daysof the qualifying event. Family status changes include: marriage,birth or adoption of a child, divorce and death of a spouse.For complete plan details, view the Optional Life InsuranceSection available on the UMMS Benefits website atumassmed.sharepoint.com/sites/hr.Dental / VisionInsuranceFSA and ChildCare AssistanceProgramLife Insurance ck Leave BankTime OffTuition BenefitsBenefit Formsand BenefitSummaries10
Short Term and Long Term Disability InsuranceShort Term Disability InsuranceEmployees may choose to participate in a Short Term Disabilityprogram offered by Guardian. The employee pays the entire costof the plan. Coverage is effective on the first of the month afterhire date. The basic features of the benefits are as follows:y Choice of tax-free benefit at 50% or 60%* of your gross weeklysalary (to a maximum of 1,500 per week) for up to 11 weeksy Benefit is effective after a 15-day elimination periody Sick Time, Vacation Time, Personal Time and Sick Leave Bankaccruals do not need to be exhausted to use this benefity Includes benefits for mental health and substance abusedisabilities, partial disabilities and rehabilitation* Employees can choose either the “Low Plan” (50% of gross weekly salary), orthe “High Plan” (60% of gross weekly salary), both up to a maximum of 1,500per week. Note: The covered salary excludes bonuses and commissions. Costwill vary depending on level of coverage, age and salary.When to enroll – You may enroll as a new hire during your first10 days of employment without having to provide evidence ofmedical insurability. If you choose to enroll at a later date, you mustprove evidence of medical insurability.Employee rates for both the 50% and 60% salary plans are basedon age and salary. Please refer to the Short Term Disability Ratechart below.CURRENTAGE BANDEMPLOYEE RATE PER 10 OF WEEKLYCOVERED BENEFIT VOLUMEOption 1Option 250% coverage60% coverageLess than 25 0.33 0.3425-29 0.45 0.4730-34 0.62 0.65DID YOU KNOW.Disability strikes 1 in 4workers before age 65.Long Term DisabilityInsuranceEmployees may choose to participate in a Long Term Disabilityprogram offered by MetLife. The employee pays the entire costof the plan. Coverage is effective on the first of the monthfollowing 60 days of employment or two full calendar months,whichever comes first, if you enroll as a new hire. The basicfeatures of the benefits are as follows:CLICK ONA LINKBELOW ing a Plany A tax-free benefit of 55% of your gross monthly salarySummary ofBenefitsy A benefit for mental health disabilities and for partialdisabilitiesHealth InsurancePlansy A rehabilitation and return-to-work assistance benefitMap Keyy A dependent care expense benefitWhen to enroll – You may enroll as a new hire during your first10 days of employment without having to provide evidence ofmedical insurability. If you choose to enroll at a later date, you mustprove evidence of medical insurability.LONG TERM DISABILITY RATESActive Employee AgeEmployee Monthly RatesPer 100 of Monthly EarningsUnder Age 25 0.06Dental / VisionInsuranceFSA and ChildCare AssistanceProgramLife Insurance /AD&D25-29 0.0730-34 0.1135-39 0.1340-44 0.3045-49 0.4050-54 0.48 0.60Sick Leave BankDisabilityRetirementPlansAdditionalBenefits 0.45 0.4755-5940-44 0.32 0.3360-64 0.58Time Off45-49 0.34 0.3550-54 0.38 0.4065-69 0.33Tuition Benefits55-69 0.45 0.47Age 70 and over 0.2060 and over 0.53 0.5535-39For complete plan details, view the Short Term DisabilityInsurance Section available on the UMMS Benefits website atumassmed.sharepoint.com/sites/hr
4 UMass Memorial's current Physician and Hospital agreement with Harvard Pilgrim, Health New England and Tufts expires on December 31, 2021 and we cannot confirm at this time whether UMass Memorial providers will continue their participation with Harvard Pilgrim, Health New England and Tufts beyond 2021. 5 Comprehensive.
