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Employee Benefits

Note: All employee benefits are for full-time employees, unless otherwise noted. Standard benefits waiting period is the first of the month following 30 days of employment. Other benefits with a one-year waiting period are noted in their individual description. Medical and dental rates can be found on the attached appendix.



Employees are eligible for medical insurance through the Caldwell University group health plan, sponsored by Horizon Blue Cross/Blue Shield. The College offers two plans.

The PPO plan can be used nationally and in many foreign countries. Main highlights of the plan include:

  • $25 primary doctor office visit co-pay and $50 specialist office visit co-pay;
  • 90% insurance coverage for in-network services with no annual deductible;
  • 70% insurance coverage for out-of-network services with a $500 deductible per member;
  • 80% insurance coverage for prescription drugs after a $75 per person annual pharmacy deductible (no mail-order deductible);
  • $200 vision benefits every other year.

The EPO Advantage plan has most (over 80%) of the PPO network providers in the state of New Jersey. It also includes 100% of the BlueCard PPO network providers out of state.

  • $20 office visit co-pay for primary care doctors and specialist
  • In-Network Diagnostic Procedures (Laboratory, Radiology Services) are covered 100% in office setting or Labcorp and 100% in Outpatient Facility
  • Maximum Out of Pocket for Individual is $2,500 and $5,000 for family.
  • In-Network Hospital Care is covered at 100% after $250 copay per day up to 5 days.
  • Emergency Room care is covered at 100% after $100 co-pay
  • 80% insurance coverage for prescription drugs after a $75 per person annual pharmacy deductible (no mail-order deductible);
  • Vision Routine Eye Exam – 100% after $20 co-pay and $100 vision hardware benefits every other year.

Website Info: http://www.horizonblue.com

DENTAL INSURANCEbenefits_delta_dental

Employees are eligible for dental insurance through Delta Dental of New Jersey. Caldwell University offers two network options: Delta PPO/Premier and Delta Advantage. The Advantage program is a more cost-effective, smaller network of dentists than the Premier program. Main highlights of the plans include:

  • 100% coverage for Preventive and Diagnostic care (no deductible);
  • 80% coverage for Basic care;
  • 50% coverage for crowns, prosthodontics, orthodontics, etc.;
  • $50 individual/$150 family annual deductible;
  • $1,500 annual individual maximum.

Website Info: http://www.deltadentalnj.com

SHORT-TERM DISABILITYbenefits_standard_insurance

Caldwell University provides private short-term disability insurance for all employees through The Standard. Employees who are unable to work due to non-work related injury/illness and are absent from work for 8+ consecutive days are considered to be on short-term disability. The benefit has a 26-week maximum, which runs concurrently with FMLA leave.

Employees on short-term disability are eligible for full salary continuation for one month per each full year of service. After that, employees are reimbursed 66 2/3% of your average weekly wage subject to a maximum of $637/week.

LIFE INSURANCE/LONG-TERM DISABILITYbenefits_standard_insurance

Employees receive, at no cost to them, an individual life insurance policy through The Standard Insurance, equivalent to one-times their annual salary to a maximum of $150,000.

After one year of service, basic long-term disability insurance is also provided to employees by the University through The Standard at no cost. Long-term disability is any case of disability that exceeds the 26 weeks of short-term disability. The LTD benefit pays employees 60% of their pre-disability earnings, to a maximum benefit of $5,000 per month. Additionally, if the employee participates in the matched pension program, the insurance company will continue to contribute the employee and employer contributions into the pension plan on their behalf.


Pension plans at Caldwell University are administered by TIAA/CREF. The college has two tax-sheltered 403(b) plans:

*Supplemental Retirement Annuity Plan – Employees may contribute to a retirement annuity without a corresponding match from Caldwell University.

*Defined Contribution Retirement Annuity Plan – After one year of full-time service, employees who contribute a minimum of 2% of gross pay to their retirement annuity plan are eligible for a percentage of base pay match from Caldwell University.

Note: Employees who have satisfied the one year eligibility in the 12 consecutive month period, at an eligible institution prior to employment at Caldwell University may immediately enroll through Caldwell University’s plan upon hire.

Website Info:
Caldwell University Microsite: http://www1.tiaa-cref.org/tcm/caldwell
TIAA-Cref Main Website: http://www.tiaa-cref.org/


Employees who elect medical and/or dental insurance are eligible to elect the Cafeteria Plan (IRS Section 125) in order to take their medical/dental premium payroll deductions on a pre-tax basis for federal tax purposes.

After 30 days of service, employees are eligible to enroll in the Flexible Spending Account plan, through which allows employees to designate up to $2,650* or $5,000* on a pre-tax basis per calendar year through payroll deduction for eligible medical costs not covered by insurance or dependent care expenses, respectively.

*These amounts are pro-rated accordingly depending on hire date.

Website Info: http://www.benefitanalysis.com


Employee Assistance Program Aetna Resources For Living

All full-time and part-time employees and members of their households are eligible for confidential short-term counseling through the Aetna Resources for Living employee assistance plan at no cost to the employee. This benefit provides a maximum of 10 counseling sessions per issue per year. Counseling is available via telephone or in the form of personal meetings and is completely confidential.

Website Info: https://resourcesforliving.com/login.aspx
Login: Caldwell University
Password: eap



All employees are insured in the event of a work-related injury or illness at no cost to them through New Jersey Manufacturer’s Insurance Group. NJM has a wide network of medical providers and specialists available to employees who are injured on the job.

TUITION BENEFITSbenefits_council_of_independent_colleges

After one year of service, employees are eligible for several tuition benefit options:

*Caldwell University Tuition Remission

  • Employee: free tuition for a maximum of 9 undergraduate or 6 graduate credits per semester;
  • Dependent (per federal definition): free undergraduate tuition;
  • Part-Time Employee: ½ paid tuition for undergraduate courses for self only.
  • After a minimum of two (2) years of service, full-time employees may be eligible for reduced tuition in the doctoral programs.

*Council of Independent Colleges and The Tuition Exchange, Inc.benefits_tuition_exchange

  • Dependents of employees may apply to two separate networks of independent schools for full tuition scholarships for one or more years;
  • Tuition scholarship decisions are made by the importing institution.

Website Info:
Council of Independent Colleges: http://www.cic.edu/tep
The Tuition Exchange: http://www.tuitionexchange.org


*Vacation – Full-time, 12-month employees are eligible for the following vacation allotments, depending on job classification:

  • Cabinet: 4 weeks per year;
  • Executive Administration (Exempt grades F 11-12): 4 weeks per year;
  • Exempt Administrators with 5+ Years of Service: 4 weeks per year;
  • Exempt Administrators with fewer than 5 Years of Service: 3 weeks per year;
  • Non-Exempt Administrators with15+ Years of Service: 4 weeks per year;
  • Non-Exempt Administrators with 5-15 Years of Service: 3 weeks per year;
  • Non-Exempt Administrators with fewer than 5 Years of Service: 2 weeks per year.

As of July 1, 2011, a maximum of 5 vacation days may be carried over from year to year and are payable upon termination.

*Sick – Full-time, 12-month employees are eligible for 4 sick days in their first year of employment and an additional pro-rated number on their one-year employment anniversary date. In the following fiscal year, employees receive 8 sick days per year. As of July 1, 2011, sick days may not be carried over. Unused sick days are not paid upon termination.

Full-time, 10-month employees receive 2 sick days in their first year, and 4 sick days per year after one year of service.

*Personal – Full-time, 12-month employees are eligible for 2 personal days per year after one year of service. Full-time, 10-month employees receive 1 personal day.