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The following are brief descriptions of the
Health & Wellness plans offered by Smith College. To access the Smith College
Health & Wellness Benefits Summary Plan Description
(SPD) click on the link below.
For additional information on these benefits please contact the Health & Wellness Administrator at (413) 585-2273.
Health Care Plan
Smith offers two health plan options through Harvard Pilgrim Health Plan. You may elect either a Point of Service Plan (POS) or an HMO. Health insurance premiums are deducted from your salary on a pre-tax 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 pre-existing condition restrictions. The college contributes 92.4% of the premium for the HMO individual plan and 75% of the premium for the HMO Two-Person and Family plans. The college’s contribution towards the POS plans is the same dollar amount that it contributes to the HMO plan. In addition, the college provides a health care subsidy (from $401 to $1603 per year) for employees who carry double or family coverage and whose family income is less than $43,890.
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, go to the Harvard Pilgrim Web site at www.harvardpilgrim.org/smithcollege.
If you would like information regarding physicians in
the Northampton area please call the Cooley Dickenson Physician's Referral Service
at (413)-582-2200 or you can go to their website to request a physician
directory.
Dental Plan
Smith offers dental insurance through Delta Dental. This plan covers 100% of preventive dental expenses and 50% of basic restorative and major restorative dental expenses. The maximum benefit is $1000 per family member per calendar year. The college contributes 89% of the cost of coverage for individual plans and 60% of the cost for double and family plans.
To contact Delta Dental customer service center, call
(800) 872-0500 or go online to their Web site at www.deltamass.com.
Life Insurance
The college provides you with Group Term Life
insurance through The Hartford Life Insurance Co. 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 or three 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.
To contact The Hartford customer service center, call
(800) 833-5575 or go online to their Web site at www.thehartford.com
Life Planning Services and Tools
Making decisions about your life planning often takes a little guidance.
The Hardford has developed additional services and tools to help you. Please click on the link below to learn more about, selecting the appropriate amount of life insurance, creating a will, funeral planning and grief counseling.
http://www.hartfordlifeconversations.com/
Long-Term Disability Insurance
The college provides you with basic long-term
disability insurance through The Hartford. If a physician determines that you are
physically or mentally incapable of doing your job and your claim is accepted by
The Hartford, you would continue to collect 50% of your salary. You may also purchase
additional supplemental insurance to cover 66 2/3% of your salary. If approved, income
benefits become payable 180 days from your last day worked.
To contact The Hartford customer service center, call
(800) 833-5575 or go online to their Web site at www.thehartford.com. |
