AFSCME Support Staff 

Benefits Overview (For full time employees)

MEDICAL INSURANCE 
Rider offers three medical plan options that are underwritten by Aetna.  An Open Access Point of Service (POS) Plan with a reimbursement that reflects:  a) 100% in-network and 80% out of network, b) 90% in-network and 70% out of network and c) Health Maintenance Organization (HMO) coverage.  Employee contributions are based on coverage selected and salary.  Rates are in effect for 12 months and are set each January.  Coverage is effective the first of the month following one full month of employment. Compare Aetna Plans (pdf)

EMPLOYER SPONSORED LIFE INSURANCE
Employer sponsored group term insurance is provided equal in value to two times the annual base salary to a maximum of  $150,000. Coverage is effective the first of the month following six months of employment.  Premium costs are paid by the University.  Life insurance plan details.

DENTAL INSURANCE 
Employees may elect dental insurance through the Aetna dental plan. Employees are responsible for all premium costs. A summary of the plan features is available in Human Resources. Dental Plan details 

Medical/Dental Plans Cost: 2014

TUITION REMISSION 
After three months of service, full-time employees may attend undergraduate classes at Rider without payment of tuition. After six months of service, their dependents may attend undergraduate classes at Rider without payment of tuition. Full-time employees and their dependents may attend graduate courses at Rider exempt from tuition cost. Tuition remission details.

WORKER’S COMPENSATION
You are covered in the event you become disabled or die due to a work related illness or injury.  In the case of disability, you will receive medical coverage and wages for time lost from work.  Payment amounts are determined under guidelines set forth by the New Jersey Compensation, Rating and Inspection Bureau as established by New Jersey State statutes.  Rider pays the full cost of this benefit.

FAMILY LEAVE INSURANCE
State provides up to six weeks of benefit payments to care for a newborn or a sick family member.  The State requires that this program be financed by employee contributions.  Family Leave details 

SHORT-TERM DISABILITY
Short-term disability is effective upon date of hire and provides weekly benefits of two-thirds of salary payable for up to 26 weeks for an accident or illness that is not job related.  The maximum weekly benefit is set by the State of New Jersey each year.  You and Rider share in the cost of this benefit.

LONG TERM DISABILITY 
Benefits of 66-2/3% of monthly salary up to $2,500 per month are payable to age 65 after six months of disability. Premiums are paid by the University and coverage is effective after one year of employment or upon date of hire if the employee had coverage with a previous employer within the three months prior to hire. Disability plan details (.pdf)

RETIREMENT PLAN 
Rider has a defined-contribution retirement plan with Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF) as the record keeper.  All regular employees are eligible to participate on a voluntary basis on the September 1 or March 1 coincident with or following the first anniversary of their employment. This waiting period is waived for new employees who have completed one year of service with another employer maintaining a 403(b) plan. Eligible employees must contribute a minimum of 5% in order to participate, and the University provides an 8.25% contribution for each participant.  Employee and employer contributions are fully vested, and may be directed to investment options offered by TIAA-CREF and other approved vendors by the University. Supplemental Retirement Annuities, which have certain flexible provisions, are also available. In the event you become totally disabled and are enrolled in the plan, the University will continue a 13.25% contribution to your annuity contracts.

BENE-SAVE
Flexible spending reimbursement accounts may be established for medical and/or dependent care expenses. Contributions are made by salary reduction and reimbursements are not taxed. Employees are eligible for a supplemental University contribution of $550 beginning January 1 of the plan year, following completion of one year of full-time service.  Flexible spending plan details 

PAID TIME OFF
Employees immediately begin to accrue vacation time at a rate equivalent to ten days per fiscal year and are eligible to begin using accrued time following 6 months of service (increases to 15 days per year after 5 years of service and 20 days per year after 10 years of service); up to two years' allotment may be accrued. Employees immediately begin to accrue sick time at a rate equivalent to 10 days per year; up to a total of 48 days.  Employees also receive four personal days per fiscal year, and shall be entitled to eight scheduled holidays and two floating holidays per year.

The above list is intended as a general guide and does not constitute the terms of a contract. These benefits are subject to the terms and conditions of each plan and may be amended at any time.