E-mail this pageBenefits
Health Insurance
Employee pays 10% of individual cost and 25% of dependent cost of coverage. Waiting period - 42-days.
Empire Blue Cross Blue Shield - Empire Deluxe PPO (Preferred Provider Organization).
- In-Network Benefits (Participating Providers) - $10 copayment for most services. No deductibles, coinsurance, or claim forms.
- Out-of-Network Benefits (Nonparticipating Providers) - Annual Deductible: $300 individual, $750 family - plus 20% coinsurance for most changes. There is an annual $1,000 coinsurance limit for individual and $2,500 coinsurance limit for family coverage (excluding the deductible).
Paid Prescriptions for drugs purchased at a retail pharmacy; $10 copayment for generic drugs. An ID card is required in order to utilize the participating pharmacy network and to receive the full benefits under the plan.
Merch-Medco Rx Services of New York for mail order prescriptions; $10 copayment for generic drugs. Can obtain a larger supply of medication through the mail (90 days vs. 30 days for retail).
Or
Health Maintenance Organization - Plans differ by area; check with your local benefits office. Prepaid medical services (must use designated providers).
Dental - Delta Dental
Benefits: Preventive, basic and major services. (See Benefits Handbook, Summer 1999 for specific coverage and deductibles.) $1,000 calendar year maximum. Orthodontic: $1,000 maximum lifetime benefit per child.
Waiting period - 6 months (1 year prosthetics)
Vision - Research Foundation Vision Care Plan
Once in a 24-month period: eye examination and lenses/frames from plan selection.
Waiting period - 6 months
Worker's Compensation - Travelers Insurance Company
Medical expenses for on-the-job injury. Two-thirds weekly salary up to $400 per week.
New York Disability - Zurich Insurance Company
Fifty percent of salary up to $170 maximum per week for a duration up to 26 weeks. Must be employed the last 4 out of 8 weeks prior to disability.
Long-Term Disabilty - TIAA
Full-time employees only
Sixty percent of earnings to a maximum monthly benefit of $5,000 after 6 months of total disability. Offset by other sources of income.
Waiting period - 1 year full-time employment
Retirement Plan - TIAA/CREF
1-year waiting period and 4-year vesting period. 8% of earnings contribution for first 7 years of service and 10% of earnings thereafter. Ownership of funds after 5 years. See RF Campus Benefits Office for vesting details.
Optional Retirement Plan Tax-deferred savings through salary reduction (Employee paid)
Tax Deferred Programs:
- TIAA/CREF
- Supplemental Retirement Annuity (SRA)
- Tax-Deferred Annuity (TDA)
- Fidelity Mutual Funds
Unemployment - New York State Department of Labor
7-day waiting period following 50% of an employee's average weekly wages up to a maximum of $365 per week.
Life Insurance - Teachers Insurance and Annuity Association (TIAA)
- Basic Coverage & Accidental Death and Dismemberment - $10,000 coverage paid by RF.
- Optional Coverage & Accidental Death and Dismemberment - (Paid by employee.) One, two three, four or five times salary to a maximum of $290,000.
Contact Information
Office: Kehoe 815
Phone: (518) 564-2155
Fax: (518) 564-2157
Kehoe 815
101 Broad Street
Plattsburgh, NY 12901