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Human Resources

2013 Benefits Information

Please read this summary of information about changes to the benefit plans, employee contributions, etc. BEFORE logging into HRforYOU  to elect your benefits for 2013.

Your benefit elections will become effective as of January 1, 2013.



Quick Reference Guide for Open Enrollment 2013 - step by step instructions for successfully enrolling online

Bowdoin College Health Plan

New rates - the monthly costs made (via payroll deduction) on a pre-tax basis are as follows:

Annual Salary of $43,000 and Under   Employee Contribution (per month) College Subsidy (per month) Full Cost (per month)

Employee $65.00 $550.36 $615.36

Employee + Spouse/Partner $301.00 $1068.12 $1369.12

Employee + Child(ren) $217.00 $775.24 $992.24

Employee + Family $301.00 $1068.12 $1369.12
Annual Salary of $43,001  and Over   Employee Contribution (per month) College Subsidy  (per month) Full Cost (per month)

Employee $69.00 $546.36 $615.36

Employee + Spouse/Partner $321.00 $1048.12 $1369.12

Employee + Child(ren) $233.00 $759.24 $992.24

Employee + Family $321.00 $1048.12 $1369.12
  • Retain your ID card
  • Preferred in-network benefits will not change for 2013.
  • NEW!!  Federal Benefit Summary Chart - Under the Patient Protection Affordable Care Act (PPACA) or Health Care Reform, we are now required to distribute a new Summary of Benefits and Coverage document.  It is intended to provide you with an easy-to-understand summary about the health plan’s benefits and coverage.  During this year, Human Resources will also maintain and update our standard Health Plan Benefits Summary document below.
  • Bowdoin College Benefit Summary Chart for 2013
  • NEW!!  Enhancements to Women's Preventive Services for 2013 - Health Care Reform will provide enhancements to women’s preventive services covered at 100% including:  Well Women exams, prescription contraceptives (generics and brand name drugs with no generic equivalent), sterilization procedures and patient education/counseling for women, breastfeeding support, supplies and counseling, etc.   Services must be obtained from an in-network provider for 100% coverage.
  • NEW!!  In 2013 the in-network deductible will increase to $400 per individual/$800 per family.
  • NEW!!  The in-network out of-pocket calendar year limit will increase to $2,000 per individual/$4,000 per family.

Prescription Drug Plan

Prescription drug copayments in Tier 2 and 3 will increase (for 30 day supply at a retail pharmac

  • Tier 1 - $10 (generic) unchanged
  • NEW!!  Tier 2 - $30 (formulary brand named)
  • NEW!!  Tier 3 - $50 (non-formulary brand name)

Health Reimbursement Account (HRA)

Medical and Dependent Care Flexible Spending Accounts (FSA)

Medical and Dependent Care Flexible Spending Accounts are administered by Combined Services, LLC.  The Patient Protection and Affordable Care Act (PPACA) and Health Care and Education Reconciliation Act (HCERA) brought about a significant change to Medical Flexible Spending Accounts that will take effect in 2013.

  • NEW!!  Medical Flexible Spending Accounts:  Effective calendar year 2013 the new Federal limit on Medical Flexible Spending Accounts  is $2,500 per plan participant.
  • Dependent Care Flexible Spending Accounts: The Federal limit for calendar year 2013 remains at $5,000 per household.

If you wish to participate in an FSA in 2013 you must actively enroll via HRforYOU by 5:00 p.m. on Friday, Nov. 16th.  Medical and/or Dependent Care Flexible Spending accounts do not carry over from year to year.

Bowdoin College Dental Plan


  • New rates - the monthly costs made (via payroll deduction) on a pre-tax basis are as follows:

Employee Cost (per month) The College Pays (per month) Total Cost (per month)
Employee $8.00 $34.20 $42.20
Employee + Spouse/Partner $31.00 $51.64 $82.64
Employee + Child(ren) $31.00 $55.80 $86.80
Employee + Family $51.00 $73.74 $124.74
  • Retain your ID card
  • There are no changes to the plan for 2012.

EyeMed Vision Plan


  • Rates remain the same for 2013
  • NEW!!  The monthly costs made (via payroll deduction) will be on a PRE-TAX basis as follows:

Employee Cost (per month)
Employee $7.24
Employee + One Family Member $13.76
Employee + Family $20.21
  • There are no changes to the plan for 2013.

Short Term Disability and Long Term Disability

Short Term Disability Insurance (STD)

Short Term Disability (STD) coverage is available to all benefits eligible support staff with regular schedules of at least 30 hours per week.  STD benefits pay 70% of your average weekly wage during a non-work related illness or accident for a period of up to 6 months.  Two STD plans are available through The Hartford and Open Enrollment is the only time that you can change between Plan A and Plan B. 

Available sick time can be used during the waiting period and after to potentially receive 30% of your wages in sick time through Bowdoin and 70%  from the STD insurance carrier.  This is a good time to review available sick time to be sure you have saved enough to cover not only the waiting period (14 or 59 days) but also to provide for the 30% of your wages not covered by the Plan. 

  • STD Plan A pays benefits after a waiting period of 14 calendar days and employees pay a portion of the plan premium.  The employee cost specific to your wages is outlined on  your HRforYOU enrollment page.
  • STD Plan B pays benefits after a waiting period of 59 calendar days.  The College pays 100% of the cost of this plan.

Long Term Disability Insurance (LTD)

Long Term Disability (LTD) coverage is available to all benefits eligible full-time and part-time faculty and all benefits eligible support and administrative staff with regular schedules of at least 30 hours per week.   LTD benefits pay 60% of your regular monthly earnings, subject to standard withholdings, if you are unable to work due to a non-work related illness or accident after a 6 month waiting period.  The College pays 100% of the cost of this plan.

Basic Life Insurance and Supplemental Life Insurance

Basic Life Insurance

  • You receive 2 times your annual salary life insurance coverage at no cost. 
  • The minimum amount of coverage is $50,000 and the maximum is $850,000.
  • Basic Life Insurance coverage reduces to 65% at age 65, 45% at age 70 and to $5,000 at age 75.

Supplemental Employee Life Insurance

  • Available in increments of 1 – 4 times your annual salary to a maximum of $350,000.  You pay 100% of the cost of supplemental employee life insurance.  The rates for supplemental life insurance increase with age and are based on your age as of each January 1st.  The costs specific to your age and salary are outlined for you on the enrollment page in HRforYou.
  • If you are at a milestone year, be sure to check the employee contribution for your new age range.  The change can be significant.
  • Coverage for Supplemental Employee Life can be increased by one increment during Open Enrollment.
  • Supplemental Employee Life Insurance coverage reduces to 65% at age 65, 45% at age 70 and to $5,000 at age 75.

Supplemental Dependent Life for a Spouse/Partner

  • Available in increments of $10,000 ($2.60 per month), $25,000 ($6.50 per month) and $50,000 ($13.00 per month).
  • Coverage for Supplemental Dependent Life can be increased by one increment during Open Enrollment.
  • PLEASE NOTE!!!  If you and spouse/partner are both employed and eligible for benefits at the College, you may NOT elect supplemental dependent life insurance for that dependent.

Supplemental Dependent Life for Child(ren)

  • Available in increments of $5,000 ($.60 per month) and $10,000 ($1.19 per month).
  • In order for your child to be eligible for Supplemental Dependent Life (s)he must be under age 19 or from age 19 to age 25 (s)he must be a full-time student.
  • Coverage for Supplemental Dependent Life can be increased by one increment during Open Enrollment.
  • PLEASE NOTE!!!  If you and one of your dependent child(ren) are both employed and eligible for benefits at the College, you may NOT elect supplemental dependent life insurance for that dependent.


Beneficiary Updates
 

Open Enrollment is a great time of year to review and update your beneficiary designations for basic and supplemental life insurance elections and also for your retirement accounts through the College.  You can view/update your life insurance beneficiaries at any time during the year through HRforYou. 

  • You may also want to consider reviewing/updating your beneficiary information for your Bowdoin College Retirement Plan and/or your Supplemental 403(b) accounts. Contact Mary Cote (x3033 or mcote@bowdoin.edu) for additional assistance.
    • Fidelity beneficiary change forms 
    • TIAA-CREF  beneficiary forms - please call 800-842-2252 to request beneficiary change forms
    • Vanguard beneficiary forms - please call 800-662-7447 to request beneficiary change forms