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Benefits Overview


Rider offers four 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%i in-network and 70% out of network c) Health Maintenance Organization (HMO) coverage and d) High Deductible Plan called Advantage Health Savings Plan.  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.


Employer sponsored group term insurance is provided equal in value to two times basic annual salary. Coverage is effective the first of the month following one full month of employment. Premium costs are paid by the University.  Life insurance plan details.  


Employees may elect dental insurance through Aetna.  Two options are offered - Preferred Provider Organization (PPO) and Dental Maintenance Organization (DMO)Employees are responsible for all premium costs.

Medical/Dental Plans Costs: 2017

TUITION REMISSION – for study at Rider University

Employee is eligible for 75% remission for graduate study only.  Eligible dependent receives remission for one 3-credit undergraduate course, during semester that employee is teaching, through age 23 only.  Spouse receives remission for one 3-credit undergraduate course during semester that employee is teaching.


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.


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.


Benefits of two-thirds monthly salary up to the highest paid AAUP member per month are payable to age 65 after six months of disability. The cost is paid by the University. Coverage is effective after one year of employment or upon date of hire if the employee had coverage with a previous employer within three months prior to hire. Disability plan details (pdf).


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 8.50% 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 13.50% contribution to your annuity contracts.


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.


Members of the AAUP should refer to the contract for specific information. Employees shall be entitled to eight scheduled holidays.

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.