EMPLOYEE BENEFITS 2021 - Molloy College
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EMPLOYEE BENEFITS 2021
TABLE OF CONTENTS EMPLOYEE BENEFITS
Employee Benefits .......................................................................................................................2 The comprehensive and competitive benefits provided to
Welcome To Your Benefits Enrollment! ..........................................................................3
you through your Employee Benefit Program are an
important part of your total compensation package.
Molloy College Health & Welfare Benefit ......................................................................4
Medical Plan Options .................................................................................................................5 This Information Guide offers you the resources you will
Empire Blue Cross Blue Shield ..............................................................................................6 need to make informed enrollment decisions for the 2021
EmblemHealth ...............................................................................................................................7
plan year and includes information on how to use your
benefits.
Cigna Dental Plan .........................................................................................................................8
Blue View Vision Plan ..................................................................................................................9 For additional benefit information, please listen to the pre-
2021 Benefit Contributions Per Pay Period For Administrators/Staff recorded carrier presentations saved within the Benefits
(26 Pay Periods) ........................................................................................................................... 10
Open Enrollment 2021 folder on OneDrive and the ADP
2021 Benefit Contributions Per Pay Period For Faculty employee self-service portal.
(24 Pay Periods) ........................................................................................................................... 11
Life and Accidental Death & Dismemberment Insurance .............................. 12
Please note, the benefit choices you make when you
Long-Term Disability Insurance (LTD) .......................................................................... 12 and your dependents enroll will remain in place
New York State Statutory Disability Benefit Law (DBL) ...................................... 13 unless you experience a “change in family status”
(e.g., marriage, divorce or legal separation, birth,
New York State Paid Family Leave (PFL)....................................................................... 13
adoption, death or change to spousal benefits.)
Aflac Supplemental Plans..................................................................................................... 14
Employee Assistance Program (EAP)............................................................................. 15 If you need to change your coverage before the next
Weight Watchers @ Work...................................................................................................... 15 enrollment period due to one of these occurrences, you will
need to contact the Human Resources Department
Center For Tobacco Control—Smoking Cessation............................................... 15
within 30 days of your family status change.
Legalshield / Identity Theft Shield Voluntary Benefit .......................................... 16
Flexible Spending Account (FSA) .................................................................................... 17
Medical Flexible Spending Account (FSA) Expense Worksheet ................... 18
Dependent Care Flexible Spending Account (FSA) Expense Worksheet........19
Your Retirement ......................................................................................................................... 20
Other Employee Benefits...................................................................................................... 20
Important Contact Information........................................................................................ 21
Checklist Of What You Need To Do ................................................................................ 21
Frequently Asked Questions............................................................................................... 22
Other Important Reminders ............................................................................................... 23
This document is an outline of the coverage provided under your employer’s benefit plans based on information provided by your company. It does not
include all the terms, coverage, exclusions, limitations, and conditions contained in the official Plan Document, applicable insurance policies and contracts
(collectively, the “plan documents”). The plan documents themselves must be read for those details. The intent of this document is to provide you with
general information about your employer’s benefit plans. It does not necessarily address all the specific issues which may be applicable to you. It should not
be construed as, nor is it intended to provide, legal advice. To the extent that any of the information contained in this document is inconsistent with the plan
documents, the provisions set forth in the plan documents will govern in all cases. If you wish to review the plan documents or you have questions regarding
specific issues or plan provisions, you should contact your Human Resources/Benefits Department.
2
WELCOME TO YOUR BENEFITS ENROLLMENT!
Molloy College also defined as “the College”, offers to eligible employees a competitive and comprehensive health & welfare
benefit program that make up an important part of their total compensation package. The College’s health & welfare
benefit program is designed to provide eligible employees and their family with a wide range of benefits to meet
healthcare, financial and work/life needs. This enrollment booklet provides an overview of the important information about
the College’s benefit program to assist in making enrollment decisions.
Molloy College offers an extensive range of programs and benefits that eligible employees can take advantage of during
their employment. We believe by offering programs that address different areas of work and personal life, the College is
working towards becoming an “Employer of Choice.”
Detailed information about each of our programs can be found in this guide.
If you have specific questions, please contact Peggy Hughes in Human Resources at 516.323.3047 or email
phughes@molloy.edu.
3
MOLLOY COLLEGE HEALTH & WELFARE BENEFIT How It Works The College pays a major portion of the cost of your benefit plans which is considered part of your “total compensation” package. Your contributions, if any, for most company benefits, are made with “pre-tax” dollars. The cost of the option you choose is deducted from your pay before taxes (including Income and Social Security taxes) are computed. Because your annual income is reduced by the amount of your deductions for elected benefits, you pay less in taxes. Details on whether contributions are deducted from your pay on a pre-tax or post-tax basis for a benefit option are identified in this booklet. Who is Eligible to Participate All regular employees of the College hired after July 1, 2013 who are scheduled to work at least 30 hours a week are eligible to enroll in the College’s benefit program. Benefits for new hires begin the first of the month following 30 days of employment. All employees of the College hired prior to July 1, 2013 will be grandfathered in to prior eligibility rules. Coverage under the benefit programs is also extended to employee’s while on sabbatical. Medical, dental and vision coverage is also extended to your eligible dependents. Eligible dependents include: » Spouse » Children up to age 26—coverage terminates at the end of the month your dependent turns 26. It is your responsibility to make sure all dependents you enroll are eligible for coverage. Dependent children who no longer qualify for benefits under the College’s plan, due to attainment of the limiting age, can continue coverage under COBRA. Consult Human Resources for more information. Waive Coverage You may elect to waive medical, dental and vision coverage. Your next opportunity to enroll in these plans will be the next annual enrollment, in December 2021 for a January 1, 2022 effective date unless you experience a life status change. Changing Your Benefit Elections You can only change your benefit elections during the annual open enrollment, held in December for a January 1st effective date, unless you have a change in your family status. Eligible family status changes include: » You get married, divorced or legally separated » You gain a dependent through birth, adoption or legal custody » Increase of hours which will qualify you as an eligible employee under the benefit plan » Decrease of hours which no longer qualifies you as an eligible employee under the benefit plan » Your dependent becomes ineligible for coverage » Your spouse gains or loses group coverage or changes employment » Loss of coverage for Medicaid or a State Children’s Health Insurance Program » Eligibility for Medicaid or a State Children’s Health Insurance Program 4
MEDICAL PLAN OPTIONS Empire BCBS EPO Plan
Plan Provisions In-Network Only
Molloy College offers you a choice of three medical plans; Physician Office Visit $30 copay
two EPO options through Empire Blue Cross Shield, and an Specialist Office Visit $50 copay
EPO option through EmblemHealth.
Prescription Drug
Empire BCBS EPO Plan $50 (does not apply to generic)
Deductible
The EPO plan offers comprehensive coverage at affordable $10 for generic
Prescription Drug Card $25 for brand
prices through healthcare providers that participate in the $50 for non-formulary
Empire BCBS PPO/EPO Blue Card Network. The Empire
BCBS PPO/EPO Blue Card network is Empire BCBS largest Inpatient Hospital $500 copay
network. It includes access to over 784,000 providers and Services
more than 5,800 hospitals nationwide. Outpatient Hospital $100 copay
Services
NEW Empire BCBS Blue Access EPO Plan Emergency Room $200 copay, waived if admitted
The new EPO plan offers comprehensive coverage at a more Urgent Care $50 copay
affordable price through healthcare providers that participate Well Baby Care Covered at 100%
in the Empire BCBS Blue Access Network. The Blue Access is Annual Physical Exam Covered at 100%
also a National network and a subset of the PPO/EPO
Network. Notably it contains all of the same hospitals, except: NEW Empire BCBS Blue Access EPO Plan
» SUNY Stony Brook Plan Provisions In-Network Only
(Eastern Long Island Hospital, Southampton, and Stony Brook) Physician Office Visit $30 copay
» SUNY Hospital of Brooklyn Downstate Specialist Office Visit $50 copay
» St. John’s Episcopal Hospital South Shore Prescription Drug $50 (does not apply to generic)
Deductible
These two EPO plans are in-network only plans that offer: $10 for generic
» Maximum Savings. Chose from any provider within the Prescription Drug Card $25 for brand
network. By utilizing network providers, you are only responsible $50 for non-formulary
for paying your copay at the time of your visit. Costs are Inpatient Hospital
affordable and predictable. $500 copay
Services
» Convenience. No claim forms required when utilizing in- Outpatient Hospital
network services. $100 copay
Services
» Freedom. You do not need a referral to see an in-network provider. Emergency Room $200 copay, waived if admitted
Urgent Care $50 copay
Visit www.empireblue.com for a listing of participating providers
within the PPO/EPO Network or the Blue Access Network. Well Baby Care Covered at 100%
Annual Physical Exam Covered at 100%
NEW EmblemHealth EPO Value Plan
EmblemHealth EPO Value Plan
The EPO Value Plan utilizes the EmblemHealth Prime Plan Provisions In-Network Only
network of providers. The EmblemHealth Prime network
offers access to 43,000 primary care physicians, over 84,000 Physician Office Visit $20 copay
specialists and 245 hospitals within the tristate network Specialist Office Visit $30 copay
service area. The EPO Value Plan also provides national $15 for generic
coverage through FirstHealth with access to over 740,000 Prescription Drug Card $30 for brand
specialists and over 5,200 hospitals nationwide. $50 for non-formulary
The EmblemHealth Prime network includes all of the Inpatient Hospital $1,000 copay
same hospitals as the previous Emblem GHI network and Services
also includes a couple of hospitals that are not currently in Outpatient Hospital
the Emblem GHI network. $250 copay
Services
The EPO plan is an in-network only plan that offers: Emergency Room $100 copay, waived if admitted
» Maximum Savings. Chose from any provider within the Urgent Care $50 copay
network. By utilizing network providers, you are only Well Baby Care Covered at 100%
responsible for paying your copay at the time of your visit. Annual Physical Exam Covered at 100%
Costs are affordable and predictable.
» Convenience. No claim forms required when utilizing in-network services.
» Freedom. You do not need a referral to see an in-network provider.
Visit www.emblemhealth.com for a listing of participating providers within the EmblemHealth
EPO Value Network.
5
EMPIRE BLUE CROSS BLUE SHIELD
With over 83 years of experience Empire has established
one of the largest national networks made up of the best
doctors and hospitals, through the Blue Card PPO/EPO and
Blue Access Network.
Empire’s Commitment to Excellent Service for
you and your family…
Interactive Voice Response (IVR) System - This high-
touch concierge service is designed to give proactive,
personalized support to help members stay involved in
their health, get more value from their benefits and
navigate the health care system more easily.
www.empireblue.com- Provides real-time transactions
and access to other health management tools.
HealthLine Nurse Access - A comprehensive 24-hour,
toll-free healthcare and information service.
Just dial 1.877.825.5276 to speak to a to a registered
nurse who can answer health questions and guide you to
the best place for care. Empire’s Decision Support Tools
SpecialOffers – Saving money is good. Saving money on Future Moms - This program offers individualized
things that are good for you — even better. With obstetric support for expectant mothers to promote
SpecialOffers, you can get discounts on products and healthy pregnancies, healthy babies and reduced
services that help promote better health and well-being. pregnancy-related costs. Receive education and support,
My Health - Online Health Resource including telephone outreach, assessments, 24/7
registered nurse access and educational materials.
LiveHealth Online: You can have a private and secure
Be Active - Motivate staying fit for better health. Be Active
video visit with a board-certified doctor or licensed
includes a Well-being Coach program, and employee
therapist on your smartphone, tablet or computer with a
rewards for condition management, important preventive
webcam. It’s an easy way to get the care you need at home
care, maternity support and healthy activities.
or on the go.LiveHealth Online is available 24/7. Go to
livehealthonline.com or call 1.888.548.3432 to make an For more information please visit www.empireblue.com
appointment. or contact member services number on your ID card
Sydney Mobile App
You can download the Empire mobile app from Google
Play or the App Store and…..
» View your member ID card online
» Find a provider
» View claims
» Estimate costs
» Manage benefits
» Wellness tools
6
EMBLEMHEALTH
The EmblemHealth plan has served the New York City area » Healthly Discounts - Provides you access to discounts on
and surrounding communities for more than 75 years. health-related services. The offerings include: Acupuncture,
EmblemHealth is committed to helping members make a Massage Therapy, Nutrition Counseling, Jenny Craig, Vision and
healthcare and lifestyle decisions that are right for them by Hearing Discount Programs, and Medical Equipment and
providing preventive health and wellness programs, Services Discount Programs. For more about these services, visit
discounts on products and services that promote good www.emblemhealth.com/goodhealth.
health and more.
» The ExerciseRewards program - Gives you various options
To ensure members can get the care they need where they to work out and get paid to do it. Rack up at least 50 visits each
need to receive it, EmblemHealth EPO Value provides 6 months in a calendar year and earn up to $200 in
network coverage outside of the tristate area through First reimbursements (and your spouse and/or/dependent(s) can
Health, an NCQA-accredited national provider network.
With consistent processes, First Health gives member earn $100).
access to a wide range of high-quality inpatient and » The Active&Fit Direct Program - Allows you to chose from a
outpatient services in both urban and rural areas. Members network of participating fitness centers and select YMCAs
can access the First Health network, through the nationawide for just $25 a month (plus a $25 enrollment fee
emblemhealth.com provider search tool, or by calling and applicable taxes).
1.888.626.0553.
» To learn more about these programs visit
Healthful Choices…...encouraging healthier ExerciseRewards.com or call 877.810.2746.
choices, improving the quality of life.
» EmblemHealth 24-Hour Nurse Advise Line - Offers
EmblemHealth offers a broad range of programs that help members access to confidential, one on one counseling with a
you live a healthier life. The programs are provided to registered nurse trained to help you make informed decisions
EmblemHealth members at no additional cost and about health issues. Access is available 24 hours a day, 365 days
participation is voluntary.
a year. Nurses can provide you with advice about a broad
The following programs can be used as part of the value spectrum of topics , from frostbite to heat stroke; from high
added advantages of your EmblemHealth coverage: cholesterol to low back pain. Just dial 1.877.444.7988 for
» Tobacco Cessation Program – This program is in partnership peace of mind.
with the American Cancer Society and is available free of
charge to all eligible members 18 years of age and older who EmblemHealth Mobile App
use tobacco and want to quit. Participants in the program
receive full coverage for smoking cessation medications You can download the EmblemHealth mobile app from
(nicotine patch, gum, lozenge, bupropion (generic Zyban and Google Play or the App Store and…
Chantix). Program participants also receive unlimited » View your member ID card online
telephone access to professional counselors, educational » Find a provider
information and access to an interactive website where you
can track their progress and post messages in the discussion » Estimate costs
forum. » Manage benefits
» Promoting Maternity Care – If you are planning for or » Check status of claims
expecting a baby, you will receive a lot of support from
EmblemHealth’s Baby Benefits program. You can call anytime
to consult with a registered nurse and will find helpful
information on the website where you can also request a
special prenatal care book on line.
7
CIGNA DENTAL PLAN
Dental Care Access Plus DHMO Plan
With the new Dental Care Access Plus DHMO plan, you may only seek dental care from participating Cigna DHMO dental
providers. This is the ultimate way to optimize your dental spending. The Cigna Dental Care Access Plus Network is an
expanded network which offers more dentist choice. Dental Care Access Plus is one of the largest national networks
available. If you enroll in the DHMO plan, you must elect a primary care dentist.
Dental PPO
If you elect to enroll in the PPO plan, you have the option of seeing any participating provider within Cigna’s DPPO
Advantage or DPPO Network or you can use a non-network dentist. When utilizing a DPPO Advantage provider you will
have access to an enhanced plan design. Both DPPO Advantage and DPPO network providers fee’s are based on contracted
fees. If you choose an out-of-network dentist the plan will pay a percentage of the prevailing fee in your provider’s
geographic area.
The Dental PPO plan includes Dental WellnessPlus, which rewards members for getting preventive dental care. When you
receive preventive care services, Cigna will increase your annual dollar maximum the next plan year by $150.
Your annual dollar maximum will grow each year up to the level listed in the Molloy College plan document.
Visit www.cigna.com/dental for a listing of participating providers.
You may select dental coverage for yourself only or include your eligible dependents. If you enroll your dependents, you
must all enroll in the same dental option.
Dental Care Access Total DPPO
Plus DHMO
In-Network Out-of-Network
In-Network
In-Network Only (DPPO Advantage (DPPO Network)
Network)
Individual Deductible None $50 $50 $50
Family Deductible None $150 $150 $150
Office Visit Copay $5 copay None None None
Calendar Year Maximum N/A $1,000
Preventive Services
Oral examinations $0 100% 80% 80% UCR
Cleanings $0 100% 80% 80% UCR
Basic Services
X-rays $0 100% 80% 80% UCR
Amalgam fillings $10-$20 100% 80% 80% UCR
Major Services
Root canal $70-$280 80% 50% 50% UCR
Extract impacted tooth $40-$115 80% 50% 50% UCR
Orthodontic Services
Children up to 19th $1,800 Not covered Not covered Not covered
Birthday
Adults $2,400 Not covered Not covered Not covered
8
BLUE VIEW VISION PLAN
The vision benefits are easy to use and offer savings beyond your basic coverage. The vision plan can help you access eye
care, improve your overall wellness and save you money.
The Blue View Vision plan is sponsored by Empire Healthcare and has one of the country’s largest vision networks, with
more than 44,000 providers and provider locations. Within the network you will find independent optometrists and
ophthalmologists, and popular retail locations such as; LensCrafters, Target, Sears Optical, JCPenney Optical, Pearle Vision
and New York based Empire Vision Centers.
Visit www.empireblue.com for a listing of participating providers. Click on Find a Doctor, then National Vision Provider
Directory.
When you visit a network vision provider, your out-of-pocket expenses may be lower and you can also avoid the need to
complete a paper claim form.
All you need to do is:
» Make an appointment with a network provider In-Network Out-of-Network
» Present your ID card at the time of service Examination $10 copay Up to $42 allowance
» Pay your copayment or any remaining balance (if applicable)If Frequency of Service
you visit a non network provider, you’ll need to pay for services Exam 12 months 12 months
at the time of your appointment and file an out-of-network
Lenses 12 months 12 months
claim for reimbursement.
Frames 12 months 12 months
Remember, when you visit non network providers, your Contact
coverage may be limited and your out-of-pocket costs 12 months 12 months
Lenses
may be higher. Basic Lenses
SpecialOffersSM Single Vision $0 copay Up to $40 allowance
Bifocal $0 copay Up to $60 allowance
As a member of the vision plan, you also have access to
SpecialOffersSM, which provides discounts on products and Trifocal $0 copay Up to $80 allowance
services that help promote better health and well-being. Frame $130 allowance, then Up to $45 allowance
Allowance 20% off balance
You can receive discounts of 15-20% and free shipping on
contact lens orders. There are also discounts on refractive Contact Lenses
surgery. Pay a discounted amount per eye for vision Elective $130 allowance, then Up to $105 allowance
correction. Conventional 15% off balance
Elective
For more information visit https://www11.empireblue. $130 allowance Up to $105 allowance
Disposable
com/specialoffers/vision.html and select Vision care.
Non-Elective Covered in full Up to $210 allowance
9
2021 BENEFIT CONTRIBUTIONS PER PAY PERIOD FOR ADMINISTRATORS/STAFF
(26 PAY PERIODS)
Empire BCBS EPO
Employer Monthly Cost $1,380.31 $2,691.61 $4,002.90
Salary Bands Individual Employee + One Family
Under $49,999 $107.96 $210.52 $313.08
$50,000 - $69,999 $121.10 $236.14 $351.18
$70,000 - $89,999 $124.39 $242.57 $360.74
$90,000 - $109,999 $131.95 $257.30 $382.66
$110,000 - $129,999 $143.95 $280.69 $417.44
Over $130,000 $157.25 $306.66 $456.06
NEW Empire BCSB Blue Access EPO Plan
Employer Monthly Cost $1,269.90 $2,476.30 $3,682.70
Salary Bands Individual Employee + One Family
Under $49,999 $99.32 $193.68 $288.04
$50,000 - $69,999 $111.41 $217.25 $323.09
$70,000 - $89,999 $114.44 $223.16 $331.88
$90,000 - $109,999 $121.40 $236.72 $352.02
$110,000 - $129,999 $132.43 $258.24 $384.05
Over $130,000 $144.67 $282.13 $419.58
EmblemHealth EPO
Employer Monthly Cost $1,185.01 $2,488.52 $2,251.53 $3,555.05
Salary Bands Individual Employee + Spouse Employee + Children Family
Under $49,999 $92.68 $194.64 $176.10 $278.05
$50,000 - $69,999 $103.96 $218.32 $197.53 $311.89
$70,000 - $89,999 $106.79 $224.26 $202.91 $320.38
$90,000 - $109,999 $113.28 $237.89 $215.23 $339.84
$110,000 - $129,999 $123.58 $259.52 $234.80 $370.74
Over $130,000 $135.00 $283.51 $256.51 $405.01
Cigna Dental DHMO & DPPO
Individual Employee + Spouse Employee + Children Family
DHMO $0.00 $4.76 $7.58 $13.65
DPPO $14.14 $34.44 $31.15 $51.46
Empire Blue View Vision
Individual: $2.56 Family: $6.42
102021 BENEFIT CONTRIBUTIONS PER PAY PERIOD FOR FACULTY
(24 PAY PERIODS)
Empire BCBS EPO
Employer Monthly Cost $1,380.31 $2,691.61 $4,002.90
Salary Bands Individual Employee + One Family
Under $49,999 $116.96 $228.06 $339.17
$50,000 - $69,999 $131.19 $255.82 $380.44
$70,000 - $89,999 $134.76 $262.78 $390.80
$90,000 - $109,999 $142.95 $278.75 $414.54
$110,000 - $129,999 $155.94 $304.09 $452.23
Over $130,000 $170.36 $332.21 $494.06
NEW Empire BCSB Blue Access EPO Plan
Employer Monthly Cost $1,269.90 $2,476.30 $3,682.70
Salary Bands Individual Employee + One Family
Under $49,999 $107.60 $209.82 $312.04
$50,000 - $69,999 $120.69 $235.35 $350.01
$70,000 - $89,999 $123.98 $241.76 $359.54
$90,000 - $109,999 $131.51 $256.45 $381.38
$110,000 - $129,999 $143.47 $279.76 $416.05
Over $130,000 $156.73 $305.64 $454.54
EmblemHealth EPO
Employer Monthly Cost $1,185.01 $2,488.52 $2,251.53 $3,555.05
Salary Bands Individual Employee + Spouse Employee + Children Family
Under $49,999 $100.41 $210.86 $190.78 $301.23
$50,000 - $69,999 $112.63 $236.52 $213.99 $337.88
$70,000 - $89,999 $115.69 $242.95 $219.81 $347.07
$90,000 - $109,999 $122.72 $257.71 $233.17 $368.16
$110,000 - $129,999 $133.88 $281.14 $254.37 $401.63
Over $130,000 $146.25 $307.13 $277.88 $438.76
Cigna Dental DHMO & DPPO
Individual Employee + Spouse Employee + Children Family
DHMO $0.00 $5.16 $8.22 $14.79
DPPO $15.32 $37.31 $33.75 $55.75
Empire Blue View Vision
Individual: $2.78 Family: $6.95
11LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE MetLife and Molloy College offer your family important financial protection and for this reason you may not waive life and accidental death & dismemberment insurance coverage. This benefit is fully paid for by Molloy College. Life Insurance Your Basic Term Life insurance benefit is the higher of $50,000 or one times your base annual earnings up to a maximum of $200,000. Benefits reduce 50% when you turn age 70. Accidental Death & Dismemberment (AD&D) Your AD&D benefit is the same as your Basic Life Insurance benefit. AD&D benefits are paid to your beneficiary if you die as the direct result of a covered accident that occurs while coverage is in effect. Beneficiaries It’s important to name a beneficiary or beneficiaries to receive this insurance, and to keep this designation up to date. If you name multiple beneficiaries, be sure to indicate the percentage or fraction of benefits payable to each, or indicate that the benefit is to be paid equally among survivors. You may wish to consult an attorney before you name your beneficiaries, especially if you are naming dependent children or a trust. You can generally change your designation at any time. LONG-TERM DISABILITY INSURANCE (LTD) LTD coverage, provided through MetLife, offers income protection if you suffer a disabling illness or injury that prevents you from working. It replaces a percentage of your eligible pay up to a dollar maximum. Disability income protection is very important to your financial security. This benefit is fully paid for by Molloy College. Benefit LTD offers you 60% of your salary up to a maximum of $6,000 per month. Other sources of disability income, including benefits you are eligible to receive from Social Security Disability Insurance Benefits and Social Security Old Age Insurance Benefits, typically count toward that percentage. Before you can receive this benefit, you must fulfill a 180 day elimination period. LTD plan benefits end at the earliest of: » When you are no longer disabled as defined by the plan, or » You leave your employer for any reason other than a covered disability » When you reach the limit for receiving LTD benefits, which for many plans is an age limit, or your death Elimination Period An elimination period (also known as a waiting period) is the length of time that must pass (180 days) after you become disabled as defined by the plan and before LTD benefits begin. 12
NEW YORK STATE STATUTORY DISABILITY BENEFIT LAW (DBL)
This mandated coverage protects you from non-occupational injury or sickness.
» There is a 7 day waiting period before you can initiate collecting your benefit
» The standard benefit is 50% of your gross weekly earnings with a maximum weekly benefit of $170.00
» The duration of the benefit is up to 26 weeks
College teachers are exempt from this benefit as per New York State Law.
NEW YORK STATE PAID FAMILY LEAVE (PFL)
Non-teaching employees working in the state of New York (and who are also eligible for DBL coverage) will be eligible for
the new Paid Family Leave benefit. This benefit provides job protection and paid benefits while you are out on leave in
addition to continuation of your health insurance (contributions will be required).
What PFL can be used for:
» Providing care for a sick family member (spouse, domestic partner, child, parent, grandparent, grandchild) with a serious health
condition
» Bonding leave for parents (birth, adoption or foster care)
» Qualifying Military Exigency
PFL cannot be used for your own serious health condition.
Eligibility:
You must work in the state of NY and have worked 20 or more hours per week for 26 consecutive weeks the Molloy
College, immediately preceding the first full day of paid leave or work less than 20 hours per week and have worked 175
days for the College immediately preceding the first full day of paid family leave.
Benefits in 2021
» Up to 10 weeks of paid leave in a consecutive 52 week period
» 60% of your average weekly salary, up to a maximum weekly benefit of $840.70
» Maximum length of DBL and PFL benefits cannot exceed 26 weeks in any consecutive 52 week period
Contributions:
» Contributions for this mandated benefit are payroll deducted on a post tax basis
» Since this is a mandatory benefit for eligible employees, you are not permitted to opt out of coverage
NYS Paid Family Leave runs concurrent with Federal Family Medical Leave laws.
College teachers are exempt from this benefit as per New York State Law.
13AFLAC SUPPLEMENTAL PLANS Molloy College offers employees the option to purchase additional forms of protection through various AFLAC plans. Cancer Care Plan The AFLAC Cancer Care Plan is an indemnity plan that can help cover the cost of expenses that aren’t covered by traditional health insurance. Some examples are travel, food, lodging, and house-hold help. AFLAC will help you by providing an important safety net in fighting the financial consequences of cancer that result beyond traditional health insurance. Personal Accident Plus Personal Accident Plus may provide disability income in the event you are in an accident. If eligible, this plan will pay you a benefit for Accident related emergency treatment, follow-up treatment and hospitalization. The plan also pays a benefit for dismemberment due to an accident or an accident related death. Personal Sickness Indemnity Plan Personal Sickness Indemnity may provide disability income in the event you become sick. If eligible, this plan will pay you a benefit for services such as physician visits, hospital confinements, major diagnostic exams and surgeries. Auto & Home Voluntary Benefits The College has partnered with Liberty Mutual to offer discounted rates to our employees on both, auto and home insurance. Benefits include; 10% discount on auto policies and a 5% discount on your home owners policy. Receive additional savings on your home insurance when you insure both your car and home and/or based on your driving experience, car and home safety features and more. Members receive knowledgeable support, immediate claims assistance and the latest information to keep you and your family safe. Commuter Benefits The Commuter Benefit administered through WageWorks allows you to set aside money, on a pre-tax basis via payroll deductions, to pay for eligible transit and parking expenses. These are expenses you incur on you commute to work such as a transit pass, vouchers, parking fees. Additional Voluntary Benefits The College offers discounts and opportunities at various times throughout the year including: BJ’s, Costco, Plum Benefits, Dorney Park and Estee Lauder. Please contact Human Resources for additional information regarding the above supplemental plans. 14
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Your health and well being both on and off the job is very important. As part of your benefit package, we provide an
Employee Assistance Program to help you through life’s challenges.
Provided by Carebridge, this confidential counseling and referral service provides help for you and your dependents. After
discussing your problems, questions or concerns, you may be referred to an appropriate resource for further assistance.
EAP is perfect for assistance with work/life issues such as child care or elder care, or other things such as legal advice and
financial planning. This service is available to you, 24 hours a day. Just call 1.800.437.0911 to obtain your personal access
code then visit www.myliferesource.com.
WEIGHT WATCHERS @ WORK
Weight Watchers is a weight management program that
encourages healthy eating, increased physical activity, and healthy
weight management behaviors. To make participation easier for
employees, one-hour weekly meetings are held on campus, and
each meeting is facilitated by a Weight Watchers-trained leader.
The program includes the following:
» Practical strategies to help you reach your goals
» Step-by-step guidance and materials
» Led by trained individuals who have lost weight with Weight Watchers—
and have kept it off
» Confidential, discreet weigh-ins that help you monitor your progress
» Interactive eTools that help you stay on track between meetings
» Direct access to exclusive Weight Watchers information, cookbooks, and
tools
» Cost sharing between Molloy College and “@ Work” members for
monthly pass
CENTER FOR TOBACCO CONTROL—SMOKING CESSATION
The College has partnered with North Shore LIJ’s Center for Tobacco
Control to offer a no-cost smoking cessation program.
The CTC offers free FDA-approved smoking cessation
medications and cessation classes followed by a weekly support
group, to an employee (or family member) interested in quitting
smoking. Group courses are held every Tuesday evening from
6pm-7pm for six consecutive weeks at their Great Neck location.
To register for a course call 516.466.1980 or visit their website at
www.northshorelij.com/stopsmoking.
15LEGALSHIELD / IDENTITY THEFT SHIELD VOLUNTARY BENEFIT
The College offers employees the option to enroll in a Legal and Identity Theft Plan through LegalShield.
LEGALSHIELDSM
Unexpected legal questions arise every day and with LegalShield on your side, employees and their families will have
access to a top-quality law firm 24/7, for covered situations. From real estate to divorce advice, speeding tickets to Will
preparation, and beyond. LegalShield is here to help you with any legal matter, no matter how traumatic or how trivial it
may seem. Membership includes coverage for: member; member’s spouse; never married dependent children under 21
living at home; dependent children under age 18 for whom the member is the legal guardian; full-time college students up
to age 23; never married dependent children who are considered physically or mentally challenged and living at home.
Membership Includes:
» Legal Advice: unlimited issues
» Letters/calls made on your behalf
» Contract and legal document review
» Will, Living Will, Healthcare Power of Attorney
» Moving traffic violation assistance
» 25% Preferred Member Discount: other legal matters (i.e.
bankruptcy, contested divorce, criminal charges, child custody)
» 24/7 Emergency Access for covered situations
» Online legal forms
IDENTITY THEFT SHIELDSM
Identity theft affects millions of Americans each year. While it
can take just minutes to happen to you, recovering from the financial damage and emotional toll it inflicts often takes years.
Victims of identity theft can face issues such as problems with securing a loan, harassment from debt collectors, or even
possible arrest for crimes committed by the identity theft. To avoid these issues, the LegalShield Identity Theft Plan equips
you with the information and expertise you need to help prevent theft and resolve issues related to identity theft. Coverage
is extended to members, a members spouse and a members children (up to 8 minor children under the age of 18).
Membership Includes:
» Coverage for all types of Identity Theft such as medical, driver’s license, criminal, financial, social security, etc.
» Up to date credit report based on data from Experian, with detailed analysis of your personal credit score
» 24/7 continuous credit monitoring with your Experian credit report plus activity alerts
» Comprehensive Restoration Service by licensed experts at Kroll Advisory Solutions, the world’s leading consulting company in identity
theft restoration
Payroll Deduction Amount LegalShield Only - Identity Theft Only - Legal + Identity Theft
Single Coverage Single Coverage Combined - Single Coverage
Biweekly (26 pay periods) $6.44 per pay $4.13 per pay $10.57 per pay
Bimonthly (24 pay periods) $6.98 per pay $4.48 per pay $11.46 per pay
This is a general overview and is for illustrative purposes only. Please see membership policy for complete details,
limitations and exclusions.
Payroll Deduction Amount LegalShield Only - Identity Theft Only - Legal + Identity Theft
Family Coverage Family Coverage Combined - Family Coverage
Biweekly (26 pay periods) $6.44 $8.95 $13.34
Bimonthly (24 pay periods) $6.98 $9.48 $14.45
16FLEXIBLE SPENDING ACCOUNT (FSA)
The College offers employees the opportunity to enroll in a flexible spending account plan, administered by WageWorks.
Flexible Spending Accounts enable you to set aside money, on a pre-tax basis via payroll deduction, for many kinds of
common unreimbursed healthcare and dependent care expenses. If you elect to contribute funds to an FSA, you will
reduce your taxable income (no Federal, State, or FICA taxes deducted from elected amount) while paying for services you
would pay for anyway.
Your election is binding. Once you elect to contribute funds to an FSA, you cannot change or cancel that election unless
you experience a life status change or until the next open enrollment period. FSA elections are on an annual basis,
therefore, you will be required to complete and enrollment form every year.
Patient Protection and Affordable Care Act (PPACA) Provisions:
This provision enforces a limit on the annual maximum election amount. Effective 1/1/2021, the maximum election
amount is $2,750, which is the maximum allowed by the IRS.
Grace Period Provision:
The FSA plans include a 21/2 month grace period, which allows participants to utilize unused funds from the prior year to
help fund claims that are incurred before the end of the grace period.
Over-The-Counter Medications
Due to the CARES Act, over-the-counter medications and menstrual products are eligible for reimbursement without a
prescription.
For more information regarding the FSA plans or your specific account, please log onto www.wageworks.com.
Dependent Care FSA
Healthcare FSA
A Dependent Care FSA allows you to pay for
Healthcare FSA allows you to pay for healthcare dependent care expenses for eligible
expenses such as medical (including some over dependents who live with you. Services provided
the counter drugs), dental and vision expenses must allow you (and your spouse) to go to work
that are not reimbursable by your insurance plan. or seek employment. Eligible dependents
The minimum contribution to the Healthcare include children under age 13, a disabled spouse,
FSA is $100, the maximum is $2,750. a parent or a disabled child over the age of 13.
Examples of eligible healthcare expenses are The minimum contribution to the Dependent
deductibles, coinsurance, copays, orthodontia, Care FSA is $1,000, the maximum is $5,000 ($2,500
eyewear, prescription drugs. if married and filing jointly).
Your entire healthcare FSA election amount is Examples of eligible dependent care expenses
available on the first day of coverage, regardless are dependent/child care centers, adult day care,
of whether or not the account has been pre- nursery school, pre-school, after school and
funded. If you have an annual election of $1,000 summer day camp programs.
and you incur a $1,000 claim on January 1st, you You cannot submit a claim for funds that have
can receive reimbursement for the entire amount not yet been contributed to the account. If you
on January 1st, even though there is no money have a claim for $2,000 but have only
in the account. contributed $1,000 to the account, you will only
be reimbursed $1,000.
17MEDICAL FLEXIBLE SPENDING ACCOUNT (FSA) EXPENSE WORKSHEET
Enhanced Benefits Medical Dental
Take advantage of a benefit that can ________ Acupuncture ________ Anesthesia
increase your spendable income - a Alcohol/drug ________ Bondings
________
Medical Flexible Spending Account (FSA). Treatment ________ Cleanings
You can enhance your benefits package ________ Allergy treatments ________ Crowns/bridges
by participating in this valuable option,
________ Ambulance ________ Dental exams
available through the College’s flexible
benefit plan. A Medical FSA can help you ________ Anesthesia ________ Dentures
pay for eligible out-of-pocket medical ________ Artificial limbs ________ Extractions
costs while increasing your spendable ________ Chiropractor fees ________ Fillings
income. By taking time to learn more
about this plan, you can make the most
________ Crutches/wheelchairs ________ Fluoride treatments
of your benefit choices. ________ Diabetic supplies ________ Occlusal guards
________ Emergency room visit ________ Oral Surgery
The History
Health care ________ Orthodontia
________
Medical reimbursement plans are equipment ________ Root Canal/therapy
qualified benefits under IRS Code ________ Hospital bills ________ X-rays
Section 125. The United States Congress
________ Immunizations $ Subtotal
created IRS Code Section 125 as part of
the Revenue Act of 1978 to make ________ Infertility treatments
benefits more affordable for employees. ________ Laboratory fees Vision
________ Prescription contacts
How it Works ________ OB/GYN exams
________ Contact lens supplies
________ Office visits
When you participate in a Medical FSA, ________ Eye exams
you elect to have a specified amount of
________ Osteopath fees
________ Corrective eye wear
tax-free dollars deducted from your ________ Oxygen
________ Corrective surgery
gross earnings before taxes are ________ Physical therapy
calculated. Many out-of-pocket medical ________ Prescription sunglasses
________ Physician fees
expenses incurred by you your spouse $ Subtotal
or your dependents are eligible for Prescription
reimbursement. After you submit a medications
(if cosmetic or weight Hearing
claim for an eligible medical service loss drug, must include ________ Hearing aids
________
provided during your Plan Year, you will note from physician
be reimbursed from this account. The indicating specific ________ Hearing exams
plan maximum is $2,750 per year. medical condition $ Subtotal
being treated.)
IRS regulations govern the eligibility of ________ Private hospital room Total Plan Year
claims as described on the previous ________ Private nurses Tax Savings ( x 35%)
page. Adequate itemized $
documentation substantiating that an ________ Psychiatric Care
expense is eligible must be submitted ________ Psychological Care
with your claim. ________ Routine Checkups
The Next Step Smoking cessation
________
programs:
Take time to go through the worksheet (not over-the-counter
to determine how the Healthcare FSA items)
will benefit you. Because of the “use it or ________ Surgery
lose it rule” (described in your Summary ________ Vaccinations
Plan Description), it is important for you
________ X-rays
to plan carefully.
$ Subtotal
18DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA) EXPENSE WORKSHEET
Enhanced Benefits Eligible Expenses
If you are one of the many people who spends money for The Internal Revenue Service (IRS) has set the maximum
the care of dependents, a Dependent Care Flexible allowable contribution for a Dependent Care FSA at $5,000 per
Spending Account (FSA) can make these expenses more family for a married couple filing jointly or for a single parent.
affordable. You can enhance your benefits package by The limit is $2,500 for a married person filing separately. You
participating in this valuable option, which is available may use this plan for expenses that meet these qualifications:
through the College’s flexible benefit plan. » Expenses must be for the care of a qualified person. A qualified
This section explains how a Dependent Care FSA can help person is someone who spends at least eight hours per day in
your home and is one of the following:
you pay your eligible out-of-pocket dependent care costs
while increasing your spendable income. By taking time to » Your dependent who was under age 13 when the care was
learn more about this plan, you can make the most of your provided and for whom you can claim an exemption. (If divorced
or separated, see special regulations in IRS Publication 503.)
benefit choices.
» A spouse or dependent who is physically or mentally incapable
The History of self-care and for whom you can claim an exemption.
Dependent Care reimbursement plans are qualified benefits » The dependent care must enable you to be gainfully employed
under IRS Code Section 125. The United States Congress or to look for work; if you are married, the dependent care
created IRS Code Section 125 as part of the Revenue Act of must also enable your spouse to work, look for work or attend
1978 to make benefits more affordable for employees. school full-time.
» Services must be for physical care, not for education, meals, etc.
How It Works
» The amount to be reimbursed must not exceed the lesser of
When you participate in a Dependent Care FSA, you elect to your or your spouse’s earned income for the Plan Year.
have a specified amount of tax-free dollars deducted from » The services may be provided in your home or another
your gross earnings before taxes are calculated. IRS location but not by someone who is your minor child or
regulations govern the eligibility of claims. After you submit dependent for income tax purposes (ex. an older child).
a claim for an eligible dependent care service provided » If the services are provided by a day care facility that cares for
during your Plan Year, you will be reimbursed from this six or more individuals at the same time, the facility must
account. Note that adequate documentation from the comply with state day care regulations.
provider substantiating that an expense is eligible must be » You must identify the care provider on your income tax return
provided with your claim (see claim form instructions). (Form 2441 with a 1040 return; Schedule 2 with a 1040A return).
Your Spendable Income Increases » Overnight camps and lessons in lieu of day care are not eligible
for reimbursement from a Dependent Care FSA.
When you contribute tax-free dollars to a Dependent Care
FSA, you lower your taxable income; therefore, you pay The following expenses may be eligible for reimbursement
fewer taxes and increase your spendable income. from your Dependent Care FSA. You can save money on
what you spend if this money is drawn from a tax-free
The Next Step Flexible Spending Account. Estimate your Plan Year out-of-
Take time to go through the worksheet to determine how pocket expenses below.
a Dependent Care FSA will benefit you. Because of the PLAN YEAR DEPENDENT CARE EXPENSES
“use it or lose it” rule (described in your Summary Plan ESTIMATE
Description), it is important for you to plan carefully. $ ____________ Adult Day Care
$ ____________ Child Day Care
$ ____________ In-Home Dependent Care
$ ____________ Nursery School
$ ____________ Total Plan Year Estimate
$ ____________ Total Plan Year Tax Savings (x 35%)
19YOUR RETIREMENT Whether you’re five months, five years, or even 25 years away from retirement, it’s never too early or too late to start planning. Making the right moves with your money now can make a big difference in how comfortable your retirement will be. Investment Options available to you... Retirement Annuity (RA) All employees who (1) have one year of continuous employment, (2) have attained age 26 and (3) are credited with 1,000 hours or more of service, are encouraged to participate in Molloy College’s Pension Plan. This Plan is a voluntary “Defined Contribution Benefit Plan” and employees have the option of choosing between various funding vehicles offered by Teacher’s Insurance Annuity Association (TIAA—CREF). Employees who elect to participate in the Plan must contribute 5% of their base annual salary. Employee contributions are made as a pre-tax payroll deduction. These amounts and the interest earned are not subject to income tax until they are received as benefits. The one year’s continuous employment criterion will be waived if a new employee has at least one year of service with another institution of higher education, immediately preceding employment at Molloy College. The College hopes and fully expects to continue these Plans indefinitely. However, the College reserves the right to change, modify or terminate the Pension Plan in the future without advance notice, subject to any outstanding contractual assessments or requirements of law. Any change or termination of the Pension Plan would not adversely affect any benefit that accrued prior to the effective date of the change, modification, or termination. The Retirement Annuity is governed entirely by the terms of the plan document itself. The plan document and Summary Plan Description can be reviewed in the Human Resources Office. Supplemental Retirement Annuity (SRA) - TIAA-CREF— Additional Vendor Mutual of America All employees are eligible to participate in a Voluntary Tax Sheltered Annuity Plan. Employees may contribute up to the legal limit, which is set annually by the IRS. Please see Human Resources for a calculation of your personal limit. There is no waiting period and the College does not contribute to this plan. All employee contributions are made through payroll deductions on a pre-tax basis. These amounts and the interest earned are not subject to income tax until they are received as benefits. Rights under the SRA are governed entirely by the terms of the plan document itself. The plan document and summary Plan Description can be reviewed in the Human Resources Office. OTHER EMPLOYEE BENEFITS Jovial Financial Credit Union All employees are eligible to join the Jovial Financial Credit Union. Membership offers you lower rates on loans and other financial needs. Tuition Remission For more information, please see online Employee Handbook. NY 529 College Savings Plan New York’s 529 College Savings Program, Direct Plan, provides a flexible, convenient, and low-cost way to save for college. The program features a wide range of investment choices, tax-free withdrawals when used for qualified higher education expenses and contributions that are tax-deductible (up to certain limits) for New York State residents. 20
IMPORTANT CONTACT INFORMATION CHECKLIST OF WHAT YOU NEED TO DO
» Review this Benefits Guide and share it with your family. This
Contact Information Guide provides important information about your benefit
Empire Blue Cross Blue Shield options and their related costs.
Website www.empireblue.com » Ask questions. If you have additional questions after reading
this Benefits Guide, contact Human Resources.
Member Services 1.844.995.1736
Medical Management » Verify your elections. If you sign up for benefits, don’t forget to
1.800.982.8089 carefully check your pay stub to make sure you are enrolled for
Program
the benefits you elected. If you have questions or think there is
Healthline Nurse Access & 1.877.TALK.2RN a mistake, contact Human Resources immediately.
Healthline Related Topics
Pharmacy Management » Organize Information. Create a personal file to keep all of your
1.800.342.9816 benefits and claim information organized.
Program
Healthy Discount » If you are covering dependents, make sure to include their
Alternative Practitioners 1.888.289.4325 information on your enrollment form.
Wellness Products 1.888.289.4325 » Don’t forget to indicate beneficiaries and their information.
Fitness Club 1.800.866.8466
EmblemHealth
Website www.emblemhealth.com
Member Services 1.877.842.3625
Nurse Advice Line 1.877.444.7988
Blue View Vision
Website www.empireblue.com
Member Services 1.866.723.0515
Cigna
Website www.mycigna.com
Dental Customer Service 1.800.Cigna.24
WageWorks
Website www.wageworks.com
Customer Service 1.877.924.3967
Flexible Spending 1.877.353.9236
Reimbursement Fax
AFLAC
Cancer Claim Wellness 1.877.844.0201
Benefit Fax
Personal Accident Expense 1.800.366.3436
Carebridge EAP
Website www.myliferesource.com
Customer Service 1.800.437.0911
Legal Shield
Website www.legalshield.com
Customer Service 1.800.654.7757
21FREQUENTLY ASKED QUESTIONS
What should I do if I get married, have a baby or adopt a child? What do I do if I lose my ID card?
If you wish to add eligible dependents to your coverage, If you are enrolled in the Empire plan, you can print a
you must complete and return the necessary forms to temporary ID card and/or order a new ID card from the
Human Resources within 30 days of the life status change. Empire website, www.empireblue.com. If you are enrolled
If you do not notify HR within this time, the change will not in the EmblemHealth plan, you can order a new ID card
take effect until the next Open Enrollment period. from the carrier website at www.emblemhealth.com. You
can also call the member service numbers listed on the
What should I do if I get divorced, one of my dependents Contacts Page of this Benefits Guide.
passes away or loses eligibility?
If you need to drop a dependent from coverage, you must How do I obtain a claim form?
complete and return the necessary forms to Human Claim forms can be found on the carrier websites. Visit
Resources within 30 days of the life status change. If www.mycigna.com for a dental claim form. Claim forms
applicable, a COBRA notification will be sent to you and/or are not required for the Empire EPO or the EmblemHealth
your ineligible dependent offering continuation of coverage EPO plans as they only provide in-network coverage.
under the College’s health plan.
Can I change my FSA election?
How do I find out more information about the Medical, You cannot change your FSA election mid-year unless you
Dental and Vision plans that are offered? experience a life status change (marriage, birth of a child,
Pre-recorded carrier presentations are saved within the divorce). The election change must be consistent with the
Benefits Open Enrollment 2021 folder on OneDrive and event. For example, if your child care needs change, you
the ADP employee self service portal. may change your dependent care FSA election. If you adopt
a child and you are enrolled in the healthcare FSA, you may
How do I find a participating doctor in my plan? increase your FSA election. A benefit reduction is not
You can locate a participating medical provider in a variety consistent with the event.
of ways: Visit the carrier websites at www.empireblue.com
How do I contact Human Resources?
or www.emblemhealth.com.
To contact Human Resources, please call Peggy Hughes at
Depending on which plan you enroll in, ask your provider if 516.323.3047 or email at phughes@molloy.edu.
they participate in Empire’s PPO/EPO network, Empire’s
BlueAccess network or the EmblemHealth Prime network.
Call the member service numbers listed on the Contacts
Page of this Benefits Guide.
How do I find a participating dentist in my plan?
You can locate a Cigna provider in a variety of ways:
Visit the website at www.mycigna.com and click on “find
a provider”.
Ask your provider if they are in Cigna’s network.
Once I sign up for benefits, when will I receive my ID card?
You will receive your medical and/or dental card(s) within 10
business days from when your enrollment was processed.
22You can also read
