• Rensselaer HMO Plan: Health Maintenance Organization (HMO) plan with no out-of-network benefits (except for true emergencies); primary care physician required with this plan
• The Rensselaer Health Plan: Point of Service (POS) plan with preset co-pays for in-network services; may use in and out-of-network providers

• Automatically included with medical plan
• 30-day supply of drugs available at retail locations
• 90-day supply of drugs available via home delivery (ConnectRx) and mail order services (Wegmans or Costco)
• Specialty medications are managed by CVS Specialty Pharmacy Services

• Preventive services covered at 100% are not subject to the deductible, and do not accumulate toward the annual benefit maximum
• Most other services covered at a percentage after the annual deductible has been met
• Orthodontia coverage for adults and dependent children

• May use in-network and out-of-network providers
• Exam and lenses allowance every 12 months
• Frame allowance every 24  months

• Health Care FSA: Participants may elect up to set aside funds on a pre-tax basis for eligible health expenses.
• Dependent Care FSA: Participants may put aside funds on a pre-tax basis for eligible dependent care expenses
• Annual maximums are determined by the IRS and share ahead of Open Enrollment each year. Review the Benefits Guide for current annual maximums.

• Rensselaer paid Life Insurance coverage up to 2.25 times base annual earnings
• Benefit reduction begins at age 65

• Accidental Death & Dismemberment (AD&D) insurance included provides an additional benefit if you lose your life, sight, hearing, speech, or limbs in an accident

• Employee-paid coverage, with option to purchase additional life insurance coverage for themselves, their spouse, and any dependent children up to age 26
• Eligible faculty and staff may elect up to 4.5 times their base annual earnings, up to maximum benefit of $600,000
• Those who elect at least $10,000 in voluntary life insurance may also elect up to $30,000 guaranteed issue or $250,000 (with EOI) for their spouse, and $10,000 for each dependent child

• Option to purchase additional Accidental Death & Dismemberment (AD&D) coverage in increments of $10,000, up to a maximum benefit of $350,000
• Optional coverage is also available for a spouse (up to age 70) and children (up to age 26)

• Access to medical and safety resources for both business and personal travel
• Rensselaer pays 100% of cost
• $150,000 benefit if the employee dies while traveling on Rensselaer business

• Pay and leave benefits for eligible staff upon review and approval of qualified leave requests

• Rensselaer pays 100% of the cost of the base plan
• Base plan replaces 60% of the employee's monthly income, up to a maximum benefit of $5,000 per month; benefits continue as long as the employee meets the definition of disability until age 65
• Option to purchase additional coverage via Buy-Up option

Fidelity Investments

TIAA

• Defined Contribution Retirement Plan -  Minimum of 1% of applicable pay is deducted from pay on a pre-tax basis; Rensselaer contributes 8% of applicable pay
• Option to put aside additional money for retirement on a pre-tax contribution/tax-deferred basis and after-tax Roth contribution/tax-free earning basis

1 (800) 343-0860

1 (800) 842-2776

Employee Assistance Program-BHS

Username is RPI

• Professional and confidential assistance to help with personal and professional problems

1 (800) 327-2251