Accidental Death and Dismemberment Insurance
The College pays 100 percent of the premium for the full-time employee and coverage is effective on the first of the month following employment. The plan pays $10,000 in the event of the full-time employee’s accidental death. The plan pays up to $10,000 in the event of accidental dismemberment. The employee may purchase additional amounts of coverage for self and family through payroll deduction.

Life Insurance
The College pays 100 percent of the premium for the employee. Full-time staff is covered for $50,000, effective on the first of the month following employment. The plan pays benefits in the event of the employee’s death, including accidental death and dismemberment.

Long Term Disability Insurance
The College pays 100 percent of the premium. The LTD insurance provides income protection to the employee in the event of total disability due to illness or injury. If the employee becomes totally disabled, after a waiting period of six months and approval by the College carrier, the employee receives a monthly benefit of 60 percent of salary up to a maximum monthly benefit (including benefits from Social Security, Workers Compensation and disability income from State Employees’ or Public School Employees’ Plans) provided there is evidence that the disability leave will be longer than six months. Once the employee meets the six month waiting period, the college goes back and provides  retroactive coverage for three months.  The policy also pays 10 percent of base salary at time of disability into a TIAA/CREF retirement plan.