Postdoctoral Research Fellows Benefits
Postdoctoral research fellows of the Albert Einstein College of Medicine are offered a bundled package of benefits that include medical, dental, vision and life insurance coverage. Postdoctoral research fellows not supported by an NRSA training grant, have the option to participate in several of the pre-tax programs offered by the College.
Plan Médico
We offer the choice of two medical plans – The MontePrime EPO and MonteCare PPO Plans. Both plans utilize providers in the Montefiore network and the Anthem PPO network. Employee cost share will be higher for Anthem providers. Enrollment in the MontePrime EPO plan requires many of the services to be provided within the Montefiore network (except in the case of a bona fide emergency). The MonteCare PPO Plan provides the flexibility to use providers and facilities outside of the Montefiore and Anthem networks, but the cost will be higher for healthcare services received out of network.
Beneficios de medicamentos recetados
Los beneficios de medicamentos recetados están incluidos en la cobertura médica y son administrados por Express Scripts Inc (ESI). Además de las farmacias minoristas de la red de ESI y los servicios de entrega a domicilio de ESI, los empleados pueden usar la Farmacia Especializada Montefiore para surtir sus recetas. Las recetas surtidas en la Farmacia Especializada Montefiore se entregan diariamente a la Farmacia del Hospital Weiler en el Campus Einstein.
El Plan EPO de MontePrime brinda beneficios de medicamentos recetados solo A través de la Farmacia Especializada Montefiore. Sin embargo, los medicamentos adquiridos en una farmacia minorista pueden ser elegibles para reembolso de forma excepcional.
Beneficios dentales
Ofrecemos la opción de dos planes dentales administrados por Cigna: el plan dental Cigna DHMO y el plan dental Cigna PPO.
Beneficios de la visión
Ofrecemos cobertura a través del plan de visión de alta gama administrado por Spectera, el programa de visión de UnitedHealth Care. Este plan incluye beneficios para exámenes de la vista de rutina, anteojos o lentes de contacto.
Life Insurance Benefits
Life insurance is designed to pay a benefit to an employee’s named beneficiary if the postdoctoral research fellow dies from any cause while coverage is in effect. Einstein provides Basic Life insurance equal to $50,000.
Prestaciones por discapacidad
Disability benefits continue part or all of a postdoctoral research fellow’s earnings if they are ill or injured and unable to work. Short term disability benefits include paid sick leave and supplemental sick pay for up to 26 weeks.
Programas de reembolso
Flexible Spending Accounts (FSA) are available to help pay for out-of-pocket healthcare and/or dependent care expenses. Contributions are made on a pre-tax basis which lowers taxable income.
A commuter and parking reimbursement program is available to help pay mass transit and/or parking expenses incurred for travel to and from an employee’s work location. Contributions are made on a pre-tax basis which lowers taxable income.
Beneficios de jubilación
The Einstein 403b Plan is a defined contribution plan administered by Fidelity Investments. Pre-tax and after-tax Roth contributions are available under this plan. Investment offerings under the plan include 3 stable value funds, 5 bond funds, and 12 stock funds which include value, blend, growth and international funds, a real estate fund and 13 target date life cycle funds.
Servicios Jurídicos Grupales
Los servicios legales grupales son proporcionados por Hyatt Legal Services. Esta cobertura ayuda a pagar la totalidad o parte del costo de una amplia gama de servicios legales personales a través de una red de abogados participantes.