Other CSHL Benefits Continued
Life Insurance and Accidental Death & Dismemberment Plans - Click here to download a SunLife Beneficiary Designation Form. Submit the original completed, signed and dated form to Human Resources/Luke Building.
Accident Insurance - The Hartford An accident can happen to anyone, and recovery can be costly. Your medical insurance may pick up most of the tab, but leave you with out-of-pocket expenses that add up quickly. Accident insurance can help ease the unplanned financial burden by complementing other insurance you may have, including medical and disability coverage. As medical costs continue to rise, this additional layer of financial protection may make a difference at a time when you and your family need it most. Accident Insurance provides cash benefit(s) direct to you for a covered injury and related services , which are independent from any claims or coverage provided by your medical insurance. You can use the payment in any way you choose – from expenses not covered by your medical plan to day-to-day costs of living such as the mortgage or your utility bills. Coverage Level Monthly Cost Employee Only $7.94 For more information please visit: Income Protection Cold Spring Harbor Laboratory (CSHL) provides income protection to benefits-eligible employees earning a salary through the Short-Term Disability Salary Continuation Plan, and the Long Term Disability Plan (LTD). The Short- Term Disability Salary Continuation Plan is fully funded by CSHL. You have the option to have CSHL pay for your LTD premiums or you can elect to pay for your own LTD premiums through post-tax payroll deductions. At the time you go out on LTD, there will be a 3-year look back evaluation to determine the % of premium that was paid for by CSHL versus the % of premium that was paid for by you. If in the 3 years prior to the disability you have paid for all the premiums, the LTD benefit will be tax-free. If in the 3 years prior to disability CSHL has paid for all the premiums, the LTD benefit will be taxable. If in the 3 years prior to disability it is a combination of how payments were made. The amount of LTD payments that will be taxable will be determined by the % of premium that was paid for by CSHL.
www.thehartford.com/employeebenefits
Employee and Spouse/Domestic Partner
$12.50
Customer Service: 1-800-523-2233, M-F 8am-8pm ET
Employee and Child(ren)
$13.10
Email: GBD.Customerservice@hartfordlife.com
Employee and Family
$20.65
Identity Theft Protection We offer IdentityForce, an identity (ID) theft protection plan which delivers ongoing monitoring, rapid alerts, and recovery services to help protect against ID theft. For more information, visit https://intranet.cshl.edu/human- resources/benefits/voluntary-benefits/identity-theft-protection/ MSK Direct We have arranged with Memorial Sloan Kettering (MSK) to offer a benefit called MSK Direct – a program that offers guided access to exceptional cancer treatment for all our employees and their family members. The MSK Direct team includes experienced nurses, social workers, and Care Advisors who promptly connect patients with cancer specialists at MSK – one of the top hospitals for cancer care in the country – while providing practical and emotional support along the way. There is no extra charge to use MSK Direct and enrollment in the program is automatic – there is no need to sign up. MSK Direct does not change any of your other health benefits. Patients are responsible only for standard out-of-pocket costs (such as insurance co-pays, coinsurance, and deductibles) for the medical services received from MSK. To speak with an MSK Direct representative, call the dedicated toll-free member line at 1-844-506-0589.
14
Made with FlippingBook Online newsletter maker