Insurance
Benefits: Insurance
Insurance Plans Include:
- Medical*
- Dental and Vision*
- Life
- Accidental Death and Dismemberment
- Long Term Disability
- Long Term Care
*Also available is the 2006-2007 Benefits Comparison Chart in pdf form.
MEDICAL: Blue Cross PPO; Blue Cross HMO; Kaiser HMO
The University offers a choice of three medical plans, consisting of one PPO plan and two health maintenance organization (HMO) plans. The PPO plan reimburses a percentage of covered charges after the deductible is satisfied. Both HMO plans offer comprehensive coverage by designated providers. Participants electing single coverage will pay a flat monthly co-pay designated for each of four salary tiers; participants electing dual or family coverage will pay a percentage of the monthly premium designated for each of the four salary tiers. (See LMU Medical Insurance Premiums )
(See Blue Cross HealthyExtensions )
DENTAL AND VISION: CIGNA PPO/Indemnity; CIGNA Dental Care; Vision Service Plan
The University offers a choice of dental plans, either an indemnity (PPO) plan or a prepaid plan similar to a health maintenance organization. The PPO plan reimburses a percentage of covered charges after the deductible is satisfied. The prepaid plan provides comprehensive dental care through designated providers. The vision plan also provides comprehensive ophthalmic care and materials through a provider network. The University will pay the full cost of single coverage and a portion of dependent coverage in the PPO plan and will pay the full cost of all coverage categories in the pre-paid plan. (See LMU Dental Insurance Premiums )
CIGNA Dental Care Patient Charge Schedule
CIGNA Orthodontics
LIFE: MetLife
The University offers a choice of six levels of term life insurance for each faculty/staff member. LMU pays the premium for up to $50,000 coverage per faculty/staff member. Any premium for additional coverage will be deducted from the paycheck on a pretax basis. Term life insurance is also available for spouse/domestic partner and dependent children. The cost for spouse/domestic partner and dependent children insurance will be deducted from the paycheck on an after-tax basis.
Spousal Waiver of Beneficiary Form
ACCIDENTAL DEATH & DISMEMBERMENT: Combined Insurance of America (formerly Transamerica)
The University offers a choice of eight levels of coverage for each faculty/staff member, or eight levels of family coverage. LMU pays the premium for up to $50,000 coverage per faculty/staff member. Any premium for additional coverage will be deducted from the paycheck on a pretax basis.
LONG TERM DISABILITY: Prudential Insurance Company of America
The long term disability plan replaces a portion of the faculty/staff member's income in the event of a covered long term disability. The plan also provides basic contributions to the faculty/staff member's accounts in the University's Retirement Plan while s/he is receiving long term disability benefits. The University offers a choice of three (3) coverage levels. LMU pays the cost up to a 60% benefit level. Any premium for additional coverage will be deducted from the paycheck on a pretax basis.
*Evidence of Coverage Document
LONG TERM CARE: CNA Insurance Company
The University offers four long term care options to each faculty/staff member and spouse/domestic partner. The plan will provide benefits for nursing home, home health care or adult day care as a result of injury, illness or aging. The cost of coverage will be deducted from the paycheck on an after-tax basis. Parents, grandparents and parents/grandparents-in-law of the faculty/staff member are eligible to apply and will be billed directly by the insurance carrier.
Note: This summary is to be used for discussion purposes only. The Summary Plan Descriptions available from either Human Resources office contain detailed description of the benefits. The Plan Document, on file in Human Resources (Westchester Campus), is controlling for the adjustment or settlement of disputed claims.