Health & Welfare
The following are brief descriptions of the health and wellness plans offered by Smith College.
Summary Plan Description (SPD) (PDF)
For additional information on these benefits please contact the health & wellness administrator, at (413) 585-2273.
Health Care Plan
Smith offers three health plan options through Harvard Pilgrim Health Plan. You may elect either a Point of Service Plan (POS) or an HMO or a Value HMO.
Health insurance premiums are deducted from your salary on a pretax basis. If your date of employment falls on the first day of a month, your eligibility begins on that day. Otherwise, your eligibility begins on the first of the month following your date of employment. There are no preexisting condition restrictions. The college contributes 87 percent of the premium for the HMO individual plan and 75 percent of the premium for the HMO two-person and family plans. The college's contribution towards the POS and Value HMO plans is the same dollar amount that it contributes to the HMO plan. In addition, the college provides a health care subsidy (from $458 to $1,831 per year) for employees who carry double or family coverage and whose family income is less than $45,207.
Comparison Charts
Comparison Plan Chart (pg. 1) for 2013 (PDF)
Comparison Plan Chart (pg. 2) for 2013 (PDF)
Comparison Rate Sheet for 2013, Health & Dental (PDF)
Summary of Benefits
Summary of Benefits and Coverage HMO 2013 (PDF)
Summary of Benefits and Coverage POS 2013 (PDF)
Summary of Benefits and Coverage PPO 2013 (PDF)
Summary of Benefits and Coverage VALUE_HMO 2013 (PDF)
Contact Harvard Pilgrim
To contact Harvard Pilgrim customer service center, call (888) 333-4742. For information on finding a physician, to change your address or to change your PCP, visit the Harvard Pilgrim website, at www.harvardpilgrim.org/smithcollege.
Find a Physician in Northampton
If you would like information regarding physicians in the Northampton area, please call the Cooley Dickinson Physician's Referral Service, at (413) 582-2200 or you can go to their website, at www.cooley-dickinson.org, to request a physician directory.
Dental Plan
Smith offers dental insurance through Delta Dental. This plan covers 100 percent of preventive dental expenses and 50 percent of basic restorative and major restorative dental expenses. The maximum benefit is $1,500 per family member per calendar year. The college contributes 89 percent of the cost of coverage for individual plans and 60 percent of the cost for double and family plans.
Contact Delta Dental
To contact Delta Dental customer service center, call (800) 872-0500 or visit www.deltamass.com.
Life Insurance
The college provides you with Group Term Life insurance through ING Employee Benefits. The coverage is equal to your annual salary rounded to the next highest $1,000. You have the option of purchasing additional coverage equal to one, two, three, four or fives times your annual salary. You may also purchase life insurance for your children and your spouse or domestic partner.
For a Supplemental or Dependent life insurance application, please contact Human Resources at (413) 585-2270.
Contact ING Employee Benefits
To contact ING Employee Benefits customer service center, call (800) 955-7736 or http://ing.us/.
Long-Term Disability Insurance
The college provides you with basic long-term disability insurance through ING. If a physician determines that you are physically or mentally incapable of doing your job and your claim is accepted by ING, you would continue to collect 50 percent of your salary. You may also purchase additional supplemental insurance to cover 66-2/3 percent of your salary. If approved, income benefits become payable 180 days from your last day worked.
Contact ING Employee Benefits
To contact ING Employee Benefits customer service center, call (800) 955-7736 or http://ing.us/.
