Benefits Overview
Northwood University Employee Benefits Overview
An important part of your compensation is your benefit package. Northwood expects to continue its benefit plan indefinitely, but reserves the right to modify, suspend or terminate any plan. If such steps are taken, you will be notified. (*Collective bargaining benefits may differ according to contract terms.)
MEDICAL - Connect Care PPO (All locations excluding Maine): In-network $200 calendar year deductible, $400 max per family deductible, 90% coverage with some exceptions; out-of-network $250 calendar year deductible, $500 max per family deductible, 70% coverage with some exceptions. Comprehensive coverage (Maine employees only): $250 calendar year deductible, $500 max per family deductible, 80% coverage with some exceptions.
DENTAL - Comprehensive coverage (all locations) No deductible, 85% coverage with some exceptions. Cost included in medical premium or optional "Dental only" coverage.
PRESCRIPTION DRUGS - Retail: up to $10 co-pay for generic; $25 co-pay for preferred; $40 co-pay for non-preferred. Mail-order (90-day supply): $10 for generic; $50 for preferred; $80 for non-preferred.
COSTS: Medical/Dental/Prescription coverage - $100 per participant per month OR
Dental only - $35 per participant per month
NOTE: Eligible employees must be active and participating in the health plan on January 1, of the following year, to be eligible for the Health Care rebate.
LONG-TERM DISABILITY - Up to 70% of basic monthly earnings*
LIFE & AD&D - Life is 3 x Annual Earnings; $500,000 maximum* Accidental death is equal to Life benefit. Acts of terrorism and war are excluded from accidental death benefit. Dismemberment coverage depends on circumstances.
LONG-TERM CARE - $1,000/mo facility; $500/mo home care; $36,000 max.
FLEXIBLE SPENDING ACCOUNT - The Flexible Spending Account allows you to reimburse yourself for non-covered health care and dependent care expenses on a "before tax" basis.
EMPLOYEE ADVISORY RESOURCE - A confidential Employee Assistance Program that provides professional support to employees.
EMERITI RETIREMENT HEALTH SOLUTIONS - Provided by the University to allow employees, upon retirement, to purchase supplemental Medicare coverage or to pay for other tax deductible medial expenses. The University will contribute an amount to each employee's Emeriti account annually and the employee is encouraged to match that contribution at a minimum.
TIAA/CREF (Retirement Plan) - The employee contributes 5% of their salary and Northwood matches 8%. The employee is fully and immediately vested.
TUITION POLICY - Full-time employees, their spouses and dependents may take undergraduate Northwood classes tuition-free; Full-time employees may apply to receive tuition reimbursement for advanced degrees.
UNIVERSITY PAID HOLIDAYS - Most national legal holidays. In addition, Northwood employees receive the week between Christmas and New Year's as a paid holiday.
VACATION - Vacation is accrued through the academic year up to a maximum of 20 working days or four calendar weeks. Faculty does not accrue vacation.*
SICK LEAVE - Sick days are accumulated at the rate of one day per month to a maximum of 120 days.
PERSONAL DAYS - Employees receive 2 paid personal days during the academic year.
Northwood University Administrative Center
4000 Whiting Drive
Midland, MI 48640
Phone: 989.837.4345
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