Insurance Offerings

6VµçÓ°Íø believes that a robust offering of health insurance will enable employees to live well and work well.  There are several choices that employee can make with regards to their health insurance.  Be sure to speak directly to a member of the HR team or the benefits office should you require any clarification on available plans.  6VµçÓ°Íø also offers Accidental Death and Dismemberment, Long Term Disability, Life Insurance, Pet Insurance, and Travel Accident Insurance.

Insurance Offerings Details

Medical Insurance

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month.*

Cost to Employee

Employees pay a portion of the premium cost of coverage. Premiums are deducted from the employee’s paycheck on a pre-tax basis.

Description

There are three medical plans available. The monthly employee portion of premium payments are as follows:

Employees earning under $52,000
Medical PlanEmployee OnlyTwo PartyFamily
Kaiser HMO$67.91$142.60$203.71
Blue Shield Access + HMO$63.30$132.91$189.70
Blue Shield Trio HMO$24.99$104.94$149.77
Blue Shield HDHP$61.89$260.20$559.05
Employee earning over $52,000
Medical PlanEmployee OnlyTwo PartyFamily
Kaiser HMO$67.91$285.20$611.14
Blue Shield Access + HMO$63.30$265.83$569.11
Blue Shield Trio HMO$24.99$104.94$224.65
Blue Shield HDHP$61.89$260.20$559.05

* Bargaining unit members are eligible for medical and dental coverage through  .

Dental Insurance

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month.*

Cost to Employee

Employees pay a portion of the premium cost of coverage. Premiums are deducted from the employee’s paycheck on a pre-tax basis. 

Description

There are two Cigna dental plans available. The monthly employee portion of premium payments are as follows:

Dental PlanEmployee OnlyTwo PartyFamily
Cigna Dental DHMO$5.93$16.16$33.28
Cigna Dental PPO$40.31$79.20$156.32

* Bargaining unit members are eligible for medical and dental coverage through .

Vision Plan

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

The Claremont Colleges currently pays the full premium cost of employee-only coverage for the Anthem Core Plan. Employees pay a portion of the cost of coverage for Anthem Core Plan coverage for dependents and the Anthem Buy-Up Plan. Premiums are deducted from the employee’s paycheck on a pre-tax basis. 

Description

There are two Anthem vision plans available. The monthly employee portion of premium payments are as follows:

Vision PlanEmployee OnlyTwo PartyFamily
Vision Core$0.00$1.53$3.41
Vision Buy-Up$7.46$12.60$20.90

Flexible Spending Accounts

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month.

Cost to Employee

Employee contributions are deducted from paycheck on a pre-tax basis. 

Description

Flexible Spending Accounts (FSA) allow employees to set aside pre-tax dollars to pay for certain out-of-pocket eligible expenses and dependent care costs. 

There are three types FSAs available: 

  • Healthcare FSA 
  • Limited Scope Health Care FSA 
  • Dependent Care FSA 

Dependent FSA Subsidy

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

6VµçÓ°Íø pays subsidy based on a sliding scale dependent on employees’ annual salary and amount of employee voluntary contribution. Employees pay remaining portion. 

Description

6VµçÓ°Íø contributes toward the cost of employees’  

Long-Term Disability

Effective Date

First day of employment if working 30 hours or more. 

Cost to Employee

The Claremont Colleges currently pays the full premium cost of long-term disability. 

Description

Employees may apply for long-term disability (LTD) coverage after being disabled for 180 days. LTD coverage could pay 66⅔ percent of employee’s covered monthly salary, up to a maximum benefit of $15,000 per month.

Life Insurance

Basic Life Insurance 

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

The Claremont Colleges currently pays the full premium cost of Basic Life Insurance. 

Description

The benefit amount is equal to one times the employee’s basic annual earnings (rounded to the next $1,000). The minimum coverage amount is $20,000, and the maximum coverage amount is $50,000. 

Supplemental Life Insurance

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

Employees pay the full premium cost of coverage. Premiums are deducted from employee’s paycheck on an after-tax basis. 

Description

Coverage is available in the following amounts: 

Eligible MemberCoverage Amount
Employee1–4 times employee’s basic annual earnings (rounded to the next $1,000), to a maximum of $1 million
Spouse$10,000 increments, to a maximum of $250,000 or 100% of employee’s combined Basic and Supplemental Life Insurance coverage
Child(ren)
Birth - 6 months
$1,000
Child(ren)
6 months & older
$15,000

Accidental Death and Dismemberment

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

Employees pay the full premium cost of coverage. 

Description

Accidental Death & Dismemberment (AD&D) insurance protects employees and their families in the event of an accident-related death or dismemberment. AD&D Insurance is available in the following amounts:

Type of CoverageCoverage Amount
Employee$25,000 increments, up to $500,000, but not exceeding 10x employee’s annual salary if the selection is over $250,000
Spouse

If only a spouse/domestic partner is covered, the spouse’s coverage amount is 100% of the employee’s coverage amount.

If a spouse/domestic partner and children are covered, the spouse’s coverage amount is 80% of the employee’s coverage amount

Children

If only children are covered, the children’s coverage amount is 30% of the employee’s coverage amount

If a spouse/domestic partner and children are covered, the children’s coverage amount is 20% of the employee’s coverage amount

Maximum benefit amount of $50,000