Priority Status Adjuncts

Rider offers four medical plan options that are underwritten by Aetna. An Open Access Point of Service (POS) Plan with a reimbursement that reflects:

1. 100% in- network and 80% out of network
2. 90% in-network and 70% out of network
3. Health Maintenance Organization (HMO) coverage
4. 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.

• Medical Comparison Chart (PDF) 
• Medical/Dental Plans Costs: 2022 (PDF)

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 priority status service. Premium costs are paid by the University.​ 

• Life Insurance Plan Details (PDF)

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

• Preferred Provider Organization (PPO) (PDF)
• Dental Maintenance Organization (DMO) (PDF)

Medical/Dental Plans Costs: 2022 (PDF)

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.

State of New Jersey provides up to six weeks of benefit payment to care for a newborn or sick family member. The State requires that this program be financed by employee contributions.

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. Salary continuation is also provided based on length of service at the time of the onset of disability. This is outlined in the Sick Leave Article in the Collective Bargaining Agreement.

If approved by the vendor, benefits of two-thirds monthly salary per month are payable after six months of disability based on a schedule and your age when you become disabled. The cost is paid by the University. Coverage is effective after one year of priority status service.

• Disability Plan Details (PDF)

Rider sponsors a defined-contribution retirement plan with Teachers Insurance and Annuity Association (TIAA) as the record keeper. All full time employees are eligible to participate on the date of hire. Eligible employees must contribute a minimum of 5% in order to participate, and the University provides a 5.0% contribution for each participant. Employee contributions are fully vested immediately and employer contributions are fully vested after completing one year of service. The contributions may be directed to investment options offered by TIAA 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 10% contribution to your annuity contracts..

• Retirement Summary Plan Details (PDF)
• Tax Deferred Annuity Plan (PDF)

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.