Employees working 30 hours or more, are eligible to enroll in one of three medical plans offered at the College. Employee contributions are made on a pre-tax basis.

Keystone HMO Plan

Health Maintenance Organization – Important points to remember about this plan:.

• Primary Care Physician (PCP) – You must select a PCP when enrolling, and treat with that physician before treating with a participating specialist.
• Referrals – Specific documentation required from your PCP, authorizing care at a participating specialist for covered services.
• Preapproval/Precertification - Approval from Independence Blue Cross (IBC) for non-emergency or elective hospital admissions and procedures prior to the admission or procedure. Your participating provider will contact Independence Blue Cross for authorization. For more details regarding the HMO plan, please refer to the HMO Plan Summary and the HMO Rx Benefits Summary.
• View the HMO Summary of Benefits and Coverage

Personal Choice PPO Plan

Preferred Provider Organization – Important points to remember about this plan:

The Personal Choice PPO Plan provides you greater freedom of choice by allowing you to select from an expansive network of doctors and hospitals. You can maximize your coverage by accessing care through Personal Choice's network (In-network) of hospitals, doctors and specialists, or by accessing care through preferred providers that participate in the BlueCard PPO program across the country. With Personal Choice, you also have the freedom to select providers who do not participate in the Personal Choice network or BlueCard PPO program (Out-of-network). However, if you receive services from out-of-network providers, you will have higher out-of-pocket costs and may have to submit paid claims for reimbursement.

With Personal Choice PPO:

• You do not need to specify a Primary Care Physician (PCP)
• You never need a referral to see a specialist / you can go directly for care

For more details regarding the PPO plan please refer to the PPO Plan Summary and the PPO Rx Benefits Summary. View the PPO Summary of Benefits and Coverage.

Personal Choice High Deductible Health Plan (HDHP)

The Personal Choice PPO HDHP provides you greater freedom of choice by allowing you to select from an expansive network of doctors and hospitals. You can maximize your coverage by accessing care through Personal Choice's network (In-network) of hospitals, doctors and specialists, or by accessing care through preferred providers that participate in the Blue Card® PPO program across the country. With Personal Choice, you also have the freedom to select providers who do not participate in the Personal Choice network or BlueCard PPO program (Out-of-network). However, if you receive services from out-of-network providers, you will have higher out-of-pocket costs and may have to submit paid claims for reimbursement.

With Personal Choice PPO HDHP:

• You are responsible for higher initial out-of-pocket expenses, because of the higher deductible
• You do not need to specify a Primary Care Physician (PCP)
• You never need a referral to see a specialist / you can go directly for care

For more details regarding the HDHP plan please refer to the HDHP Plan Summary and the HDHP Rx Benefits Summary. View the HDHP Summary of Benefits and Coverage.

This is a voluntary post tax dental plan. The College offers a generous dental plan as a component of the employee benefits package, and understands the value, and ease of use, that it provides to many employees. The Dental Panel plan offers a range of preventive, diagnostic, and basic restorative services to employees and their partners and dependents as outlined in the benefits program summary Dental Panel Services Program.

This is a voluntary post tax vision plan. This “IBC Vision Care 270” plan offers members comprehensive benefits, including routine eye exams, frames and lenses, and contact lenses. Benefits can be maximized by using Davis Vision Providers that are conveniently located throughout the area, including Visionworks. Higher benefit levels for eyeglasses with standard lenses are possible when you choose from a select group - known as the Davis Collection of Frames - available at most participating providers. Davis vision is underwritten by IBC. For details regarding the plan or to locate a participating vision provider, visit the Davis Vision website.

For details, refer to the Vision Benefits plan highlights document.

A Health Savings Account (HSA) is only available to employees enrolled in the High Deductible Health Plan (HDHP). The College will contribute $700 annually towards your HSA account for “employee only” coverage, and $1400 annually for “family” (employee + 1 or more) coverage. Part-time employees would receive $350 for employee only coverage, and $700 for family coverage.

Important Notes: 

1. New hires enrolling in an HSA account are not eligible for the College HSA contribution until the beginning of the following plan year - January 1.
2. Persons currently enrolled in Medicare, or who will be enrolling in 2020, are not eligible for HSA accounts. Please go to Bank of America for details.

HSAs Empower Health Savings: As an HSA user, you save in several ways:

• Lower monthly health insurance premiums
• HSA contributions to your account are made before federal and FICA taxes
• You earn tax-free interest on HSA account balances
• HSA funds, used for qualified medical / health care expenses, are tax-free

HSA Funds Remain Yours to Grow

HSA funds are fully owned by the participant. Unlike flexible spending accounts (FSAs), the entire HSA balance remains yours even if you change health plans, retire, or leave the College. For further details regarding HSAs, please visit these links: benefits of HSA investing and HSA investment options.

HSA Contribution Limits

Plan year 2020 Annual Contribution Limits: Individual = $3,550 / Family = $7100 (these amounts include the College contribution)

Age 55 Catch-up: An additional $1,000 contribution per year is allowable for employees who will be age 55 in 2020.

The College HSA provider is Bank of America. Please refer to the Bank of America HSA webpage for further information and to review and manage your HSA account. Employees enrolling in the HSA account for 2020, for the first time, will receive a Welcome Kit from Bank of America with instructions on managing their account.

If you have a remaining balance in another HSA account, and would like to transfer that balance to your Bank of America HSA account, please refer to this Transfer Request Form.

This is a pre-tax deduction. The College’s Flexible Spending Accounts (FSAs) are administered by PayFlex. There are three (3) types of FSA accounts: Health Care Spending Account, Dependent Care Spending Account, or Limited-Purpose Spending Account.

Great Reasons to Enroll In a Health Care FSA

• Contributions are made with pretax dollars from your paycheck, up to the Internal Revenue Service (IRS) limit of $2,700
• Your full contribution is available at the start of the plan year
• If you and your spouse both have a health care FSA, you can each contribute up to the IRS limit
• Pay for eligible health care expenses for you, your spouse and/or your tax dependents. Such expenses may include: Copays, coinsurance and deductibles, dental expenses like orthodontia, crowns and bridges; vision expenses like LASIK laser eye surgery, glasses and contacts; and prescription drugs

What Are Some Benefits to Enrolling In A Dependent Care FSA?

• Contribute pretax dollars from your paycheck, up to the IRS limit of $5,000
• Funds are for your dependent(s) age 13 or younger or a spouse or dependent incapable of self-care
• Pay for eligible child and adult care expenses, such as: day care, before and after school care, preschool and nursery school, and summer day camp

Limited Purpose FSA Instructions: Limited purpose FSAs are available only for employees enrolled in the HDHP with an HSA Account. Eligible expenses may include:

• Dental and orthodontia care
• Vision care: including eyeglasses, contact lenses and LASIK laser eye surgery

Important note: This plan is designed in post-deductible phases. This means before you meet your health plan deductible, funds are used for dental and vision expenses only. Then once you meet your health plan deductible, you can use funds to pay for all eligible health care expenses.

For details regarding the FSA, please refer to our plan summaries:

• Health Care and Dependent Care FSA
• Limited Purpose FSA
• Debit Card Use
• Keeping your card active

 You may also visit the Payflex website for further details, to review your account, and submit reimbursement form.

This is a voluntary post-tax plan. GLTC covers expenses for long term care services whether received at home, in the community, or in a nursing facility. For details including the group ID and access code, please visit our plan summary or contact the Office of Human Resources To enroll in LTC go to Haverford’s Open Enrollment link or genworth.com/groupltc and enter the group ID, access code and other information.

Basic Life and AD&D

The College provides Basic Group Term Life Insurance coverage to fulltime employees in the amount of $50,000, at no cost to the employee. This policy also provides Accidental Death (AD&D) benefits in the same amount, if death is caused by an accident. AD&D may also provide coverage for the employee if seriously injured or physically disabled. This a College paid benefit at no cost to the employee.

Supplemental Life and AD&D

Eligible employees are able to purchase Voluntary Life Insurance (in addition to the free Basic Life) through post-tax payroll deductions. Employees may purchase up to $150,000 (not to exceed 5 Times annual salary) “guaranteed issue coverage” without evidence of insurability (EOI) / medical exam, as a new hire. Voluntary Life may also be elected at Open Enrollment, subject to medical underwriting rules. The maximum amount of Voluntary Life for Employee = $500,000 (5 times salary); Spouse – May purchase $25,000 without EOI ($500,000 maximum); Dependent Children – May purchase maximum of $10,000.

Accidental Death (AD&D) Insurance may be purchased with post-tax payroll deductions: For Employee / Spouse or Partner / Children (to age 26).

For details regarding the voluntary life insurance plan, please refer to the Plan Summary.

Employees electing certain amounts of Voluntary Life Insurance, or Dependent Life Insurance, may have to complete an Evidence of Insurability (EoI) form for Unum Insurance.

Long-Term Disability

The College provides Long Term Disability Insurance for full-time employees, at no cost to the employee. This insurance provides income replacement benefits of up 60% of base monthly earnings (maximum monthly benefit of $15,000). Length of benefit payments depends on your age when you become disabled. Benefits begin after 180 days of disability and continue until Social Security Normal Retirement Age (SSNRA).

The College currently contributes 11% of base pay to benefit-eligible employees. Employees are 100% vested on the first day of the contribution and may make pre-tax contributions to their retirement accounts. The College retirement plans are held with Fidelity Investments and TIAA. Please see the information below for details.

Fidelity NetBenefits - As the Master Administrator for Haverford College, employees must log into Net Benefits to add or change their account contributions for both Fidelity and TIAA accounts with Haverford College. Both Fidelity and TIAA account holders may view their balances in Net Benefits; TIAA participants must go to the TIAA website to view detailed information such as contributions, investment allocation, etc.  For assistance, please call Fidelity's customer service at 800-343-0860 or contact the Office of Human Resources.

TIAA - Only TIAA account holders may view and make changes to your their account via the TIAA website. No contribution changes can be made via TIAA's portal. Please refer to Net Benefits above to add or change contributions. Employees may view both their 403(b) retirement account (if with TIAA) and their Emeriti ​health ​r​etirement ​a​ccount (if eligible) via the TIAA site. Fidelity account holders must go directly to Net Benefits for their Fidelity account to see any information including Haverford's contribution. For assistance, please call TIAA's customer service at 800-842-2252 or contact the Office of Human Resources.

The College will automatically contribute $1000 per year to a TIAA account for all benefit eligible employees who are 40 years of age. Employees become 100% vested after seven years of employment. The Emeriti funds are invested with TIAA and are designed to help you accumulate savings for healthcare expenses in retirement.  You may also be able to make your own voluntary, after-tax contributions.  In retirement, you and your dependents use the tax-free savings to pay for qualified medical expenses (QMEs).

For details regarding this health savings retirement plan, please visit the Emeriti webpage.

Benefits of the Emeriti Retirement Health Savings

1. Employer Contributions
   Tax-free employer contributions for participants during active service
2. Investment Earnings
   Tax-free investment earnings for participants
3. Participant Reimbursement
   Tax-free participant reimbursement for qualified medical expenses in retirement
4. Medicare Advantage Plans Available Upon Retirement
   You may also have access to group retiree health insurance, underwritten by Aetna Life Insurance Company. Because the plans are designed exclusively for Emeriti, retirees get richer coverage, added benefits, and personalized one-on-one counseling to help you determine what plans are best for you and your dependents.

The College provides a tuition benefit for full-time employees (faculty, administrators, professionals and staff who have held full time position for seven fiscal years preceding the utilization of the benefit. The employees are eligible for the 50% tuition benefit. Faculty, administrators and professionals who have held less than full -time positions in any of the seven fiscal years preceding utilization of the benefit will be eligible for grants pro-rated in accordance with the percentage of full-time employment budgeted over the seven year period. For further details, please contact the Office of Human Resources.

Tuition Program for the Children of Haverford Employees

The College provides approximately 14 paid holidays to benefit-eligible employees. The number of days may vary each year depending on the dates of observed holidays.

2019-20

Independence Day -Thursday, July 4, 2019
Labor Day - Monday, September 2, 2019
Thanksgiving - Thursday, November 28, 2019 and Friday, November 29, 2019
Winter Recess - Monday, December 23, 2019 through Wednesday, January 1, 2020
Martin Luther King Day - Monday, January 20, 2020
Spring Break - Thursday, March 12, 2020 and Friday, March 13, 2020
Memorial Day - Monday, May 25, 2020

2020-21

Independence Day - Friday, July 3, 2020
Labor Day - Monday, September 7, 2020
Thanksgiving - Thursday, November 26, 2020 and Friday, November 27, 2020
Winter Recess - Thursday, December 24, 2020 through Friday, January 1, 2021
Martin Luther King Day - Monday, January 18, 2021
Spring Break - Thursday, March 11, 2021 and Friday, March 12, 2021
Memorial Day - Monday, May 31, 2021

2021-22 

Independence Day - Monday, July 5, 2021
Labor Day - Monday, September 6, 2021
Thanksgiving - Thursday, November 25, 2021 and Friday, November 26, 2021
Winter Recess - Friday, December 24, 2021 through Monday, January 3, 2022
Martin Luther King Day - Monday, January 17, 2022
Spring Break - Thursday, March 10, 2022 and Friday, March 11, 2022
Memorial Day - Monday, May 30, 2022

NovaCare Rehabilitation has partnered with Haverford College to provide on-campus physical therapy services to the entire Haverford Community.

Physical Therapy

Health Advocate assist employees with questions and concerns regarding their medical claims, charges and coverages. Please visit the Health Advocate website for further details. For more information, view the health advocate summary document.

RideECO Select lets you save money on your bus, train, and vanpool expenses.  The program provides convenient home delivery of RideECO vouchers, SEPTA products or Stored Value Card and easy online enrollment and benefit management. 

To enroll in RideECO please log into workday and delegate your deductions under the Benefit worklet. Once your enrollment has been approved by HR, you will be contacted to enroll in RideECO. You will need to take an active role in managing your benefit.

RideECO Directions for Workday

In order to register for RideECO, click on your Benefit worklet. Once this opens up, click on "Benefits". This will open up for your election. click "Commuter Plan Contribution" with a start date.

This action will come to HR to approve your eligibility. Once HR has approved your eligibility, it will come back to your inbox to add your amount for deduction. 

Please remember if you are non-exempt, the amount you want to purchase per month must be times (x) 12 and divided (/) by 26.  That is the amount you input for bi-weekly deduction.

The request will come back to HR for approval and then you have completed the Workday part of RideECO. Once this is complete, HR will notify you that you can go into RideECO to register or for more information, click www.RideECOSelect.com or call Customer Support at 888-235-9223.

Manage your RideECO Account

If you make any changes to your deduction, please remember to only change RideECO.  HR will make any change in workday for payroll purposes.

Haverford College Company Number: 1072

**Note if you add your deduction in RideECO by the last day of the current month, it will be processed in the next month for the following months use. (example: add your deductions in July, processed in August and use in September)

Haverford College provides certain benefits to your domestic partner and their eligible children under the Haverford College Welfare Benefits Plan, provided you and your domestic partner complete and sign this Affidavit of Domestic Partnership. You must sign this Affidavit in the presence of a Notary Public, and return it along with supporting documentation to the Office of Human Resources at the address listed below. Once your Affidavit and documentation have been reviewed, you and your domestic partner will be informed as to whether any further information or action is required.

Download the form