Staff Policies and Procedures Manual
E. Dental insurance
Reed College reserves the right to change, terminate or otherwise modify any or all provisions of the following benefits at any time and for any reason. This is a summary only; refer to the plan document for specific and complete information.
- All regular full-time and regular part-time employees, in an eligible class, who work at least .50 FTE annually become eligible to apply for coverage under the plan on the first of the month following date of hire. If hired on the first day of the month, benefits begin immediately. Coverage is available for spouses, domestic partners who meet the Reed College criteria for domestic partnership, and dependent children of eligible employees.
The "core benefit," that is, the level of benefit the college provides in full to the eligible employee, is the least expensive single party coverage provided by the insurance policy in any given year. Employees may choose more expensive coverage (often called "buy-up") but must pay the difference in the premium amounts.
The college's contribution to two-party and family coverage is also based on the “core benefit”. The college will determine the amount of contribution it will provide toward two-party and family coverage in any given year. Employees may also "buy-up" to more expensive two-party or family coverage, but must pay the difference.
Any amount the employee is required to pay toward the premium is done through salary reduction, and therefore the premium is paid from pre-tax dollars. However, domestic partner coverage is taxable.
The college, in its sole discretion, may offer more than one plan or carrier. A “Dental Insurance Plans Comparison Chart” is available in the Human Resources Office.
Employees who are eligible for dental insurance but are covered under a spouse or domestic partner's dental insurance policy may waive dental insurance by completing a waiver form. In this case, the employee receives a lump sum amount of money annually. This is the only type of waiver allowed.
last revised: 2/13/2012
last reviewed: 2/13/2012