Benefits

Geisinger Commonwealth provides a variety of benefit programs including health insurance and wellness options for employees. For more information on insurance options and benefit details, please use the links below.

Health Insurance

Health insurance is provided by Geisinger Health Plan.

2017 Annual Enrollment Information:

Dental Insurance

Dental insurance is provided by Delta Dental.

Vision Insurance

Vision insurance is provided by VSP (Vision Service Plan).

Medical & Dependent Care Reimbursement Accounts

  • Flexible Spending overview:
    • Health Flexible Spending Plan ($2,550 annual maximum)
    • Dependent Care Flexible Spending Plan ($5,000 annual maximum)
    • Provides tax savings on IRS allowable out‐of‐pocket expenses
    • Plan carefully – “Use it or Lose it” rule applies
    • Administrator: Vantagen Baker Tilly

Long term, Short term, Group Life, and Accidental Death & Dismemberment

Insurances are provided by Guardian Life Insurance Company.

  • Short Term Disability (STD):
    • After 30 days of illness or injury and until Long‐term disability begins at 181 days for eligible employees.
    • Employer paid benefits continue during the short term disability period.
    • 100% Company Paid
  • Long Term Disability (LTD):
    • 180 day waiting period
    • 60% of base salary
    • $15,000 monthly maximum
    • The duration of the LTD benefit is to age 65 with a reducing benefit after age 65
    • 100% Company Paid
  • Group Life/Accidental Death & Dismemberment life insurance:
    • 2 X annual salary to a maximum of $1,200,000
    • 35% reduction at age 70 and an additional 15% reduction at age 75
    • Guardian Life Insurance Company
    • 100% Company Paid

Voluntary Insurances Available

  • Voluntary Life/AD&D Overview:
    • Additional Life and AD&D are available for purchasing through Guardian Life Insurance Company
    • Employee: Up to 5 X Salary in $10,000 increments not to exceed $500,000. You may purchase AD&D coverage regardless of whether you purchase Term Life Coverage
    • Spouse: Up to 100% of employee amount in increments of $5,000 not to exceed $500,000. Benefits will be paid to the Employee.
    • Child: Up to 100% of employee coverage amount in increments of $2,000 not to exceed $10,000. The maximum death benefit for a child between the ages of live birth and 6 months is $1,000. Benefits will be paid to the Employee.
    • Coverage amounts will reduce at age 70 according to the following schedule: 65% at age 70 and 50% at age 75. Coverage may not be increased after reduction.
    • Guaranteed Issue Amounts: $100,000 employee $50,000 spouse and $10,000 child.
    • Any amounts above require evidence of insurability.
    • www.guardianlife.com

Retirement

  • Retirement Overview:
    • 403(b) Plan
      • All pension-eligible employees
      • 4% required employee contribution in the 403(b) Plan
      • 8% employer contribution in the 403(b) Plan (6% for certain highly compensated individuals)
      • Additional voluntary contributions can be made at the discretion of the employee
    • 457(b) Plan
      • Select group of management or highly compensated employees
      • Voluntary contributions only, no employer match

The Plan Administrator for the 403(b) and 457(b) plans is TIAA‐CREF and can be reached at 1-800-842‐2776.

Employee Assistance Program