We pride ourselves on the scope and quality of the benefits offered to our employees. Every attempt is made to meet essential needs on a competitive basis while maintaining fiscal responsibilities.

 

The information contained in this website is designed to provide basic descriptions of the types of benefits available for Colgate employees. The descriptive materials contained here are only summaries, and must be governed by the actual terms of the more detailed plans, agreements, or plan documents. For more in-depth information and resources, see our Colgate Employee Benefits page or the Colgate Portal.

About this Benefits Summary

This summary describes the highlights of our Benefits Program in non-technical language. Your specific rights to benefits under the plan are governed solely, and in every respect, by the official documents and not the information in this summary. If there is a discrepancy between the contents of this summary and the official documents, the official documents shall prevail as accurate. This Benefits Summary may not be reproduced or redistributed in any form or by any means without the express written consent of Colgate University

Eligibility

All employees in regular, benefit approved positions working at least 20 hours per week are eligible to participate upon date of hire in the Colgate University Benefit Program, unless a waiting period is specified for a specific plan.

Dependent Coverage

You have the opportunity to enroll your eligible dependents in the Colgate University Medical, Dental, and Vision plans. Your eligible dependents include your spouse, your domestic partner and your dependent children/step-children. Your dependent children are eligible for medical, dental and vision coverage provided that they are under the age of 26, regardless of student status, tax status, marital status or access to other employer sponsored health care. 

Medical Benefits

Colgate University offers employees the Excellus BlueCross BlueShield BluePPO Medical Plan with prescription drug coverage through OptumRx. Together they form a comprehensive medical plan that provides you and your family with flexibility when you need to make health care decisions. Through this plan you are given the freedom to receive care from both in- and out-of-network providers. In-network providers offer quality care at the lowest out-of-pocket costs. When you visit an out-of-network provider, your out of-pocket costs are higher and you may be responsible for filing claims and obtaining any necessary authorizations. It is not necessary to select a Primary Care Physician (PCP) and there is no requirement to obtain referrals. The benefits available through the Excellus BlueCross BlueShield BluePPO and OptumRx Plans are summarized in the Medical Plan Summary displayed below.

Benefit Description In-Network Member's Cost Out-Of-Network member's Cost
Calendar Year Deductible Individual: $0 / Family: $0 Individual: $750 / Family: $2,250
Medical Coinsurance Member Pays 20% Member Pays 30% after deductible
Medical and Prescription Out-of-Pocket Maximum Medical: Individual $1,350/Family $2,700 Prescription Individual $2,000/Family $4,000 Individual: $1,750 / Family: $5,250
Lifetime Benefit Maximum Unlimited Unlimited
Primary Physician’s Office Visit 20% coinsurance 30% after deductible*
Specialist’s Office Visit 20% coinsurance 30% after deductible*
Routine Adult Physicals & Immunizations Covered 100% 30% after deductible*
Diagnostic Tests and Labs 20% coinsurance 30% after deductible*
Inpatient Hospital 20% coinsurance 30% after deductible*
Pre-Authorization of Treatment Pre-Authorization required for all inpatient admissions, home health, infusion therapy, durable medical equipment over $200, MRIs, CAT Scans, and PET Scans Pre-Authorization required for all inpatient admissions, home health, infusion therapy, durable medical equipment over $200, MRIs, CAT Scans, and PET Scans
Urgent Care 20% coinsurance 30% after deductible*
Emergency Room Visit (for true emergency) 20% coinsurance (waived if admitted) 20% coinsurance (waived if admitted)
Outpatient Surgery 20% coinsurance 30% after deductible*
Maternity Care (prenatal and postnatal) Physician & Labs/Radiology Covered 100% Inpatient 20% coinsurance to $600 cap 30% after deductible*
Well-Baby Care/Immunizations Covered 100% Covered 100%
Chiropractic Care 20% coinsurance 30% after deductible*
Physical Therapy 20% coinsurance (Physical, Speech, and Occupational Therapies limited to 45 combined visits) 30% after deductible* (Physical, Speech, and Occupational Therapies limited to 45 combined visits)
Mental Health Treatment Inpatient & Outpatient 20% coinsurance 30% after deductible*
Substance Abuse Treatment Inpatient & Outpatient 20% coinsurance 30% after deductible*
Retail Prescription Drug Coverage Generic/Brand Name/Non-Formulary up to 30-day supply $10 copay/$30 copay/$50 copay Not Covered
Mail Order Prescription Drug Coverage Generic/Brand Name/Non-Formulary up to 90-day supply $20 copay/$60 copay/$100 copay Not Covered
Routine Eye Exam – covered annually $40 copay 30% after deductible*
Telemedicine by Excellus/MDLive 1-866-692-5045 www.ExcellusBCBS.com/Telemedicine $15 copay Not Covered

*Out-of-Network reimbursement is based on Reasonable and Customary (R&C) Charges.

Dental Benefits

Colgate offers eligible employees the Delta Dental PPO with Point-of-Service (POS) Plan that encompasses varying levels of coverage and accessibility. The Delta Dental PPO Plan features a participating provider and a non-participating provider component. The participating provider component offers you access to two Delta Dental networks: 1) the Delta Dental PPO network and 2) the Delta Dental Premier network. The non-participating provider component allows you to receive care from any dentist of your choice outside of the Delta Dental provider networks. You will save the most money and spend the least out-of-pocket when you visit a Delta Dental PPO dentist.

Benefit Description Participating Delta Dental PPO and
Premier Providers*
Non-Participating Providers**
Annual Deductible Individual: $25 / Family: $50 Individual: $25 / Family: $50
Annual Benefit Maximum $1,500 per person $1,500 per person
Diagnostic and Preventive Care Covered 100% after deductible Covered 100% after deductible
Basic Restorative Care Covered 80% after deductible Covered 80% after deductible
Major Restorative Care Covered 50% after deductible Covered 50% after deductible
Oral Surgery Covered 80% after deductible Covered 80% after deductible
Endodontics Covered 80% after deductible Covered 80% after deductible
Periodontics Covered 80% after deductible Covered 80% after deductible
Posterior Composites Covered 80% after deductible Covered 80% after deductible
Prosthodontics Covered 50% after deductible Covered 50% after deductible
Implants Covered 50% after deductible Covered 50% after deductible

*Delta Dental PPO Providers are paid up to the Delta Dental PPO maximum plan allowances. Participating Delta Dental Premier Providers are paid up to the Delta Dental Premier maximum plan allowances. The maximum plan allowances for each network are different.

**Non-Participating Providers may bill you the difference between Delta’s reimbursement for covered services and their actual charge for covered services

Vision Benefits

Colgate offers eligible employees the Guardian Vision Plan using the Vision Service Plan (VSP) network. The plan provides you with access to affordable, quality vision care coverage by allowing you to receive a complete eye examination and materials (if needed). Visit any doctor but receive greater value from the plan through any of the 50,000+ in-network providers.

Benefit In-Network Out-of-Network
Network & Allowances Vision Service Plan (VSP) Fee Schedule Allowance
Service Interval: Eye Exam Calendar Year Calendar Year
Service Interval: Lenses or Contacts Calendar Year Calendar Year
Service Interval: Frames Every Other Calendar Year Every Other Calendar Year
Eye Exam $10 Copay See Benefit Summary
Materials Copay $25 Copay See Benefit Summary
Lenses Materials Copay See Benefit Summary
Frames Covered to $130 & 20% off balance See Benefit Summary
Contact Lenses Covered up to $130 See Benefit Summary
Contact Lenses in lieu of glasses (no copay) See Benefit Summary
Contact Fitting Up to $60 See Benefit Summary

Discounts are Available In-Network ONLY for additional pairs of glasses/contacts, cosmetic lens options, laser correction surgery, etc. See Benefit Summary for details.

Flexible Spending Accounts (FSAs)

Colgate University offers you the option to redirect a portion of your pay, through payroll deduction, into Health Care and/or Dependent Care FSAs administered by PayFlex. Per Health Care Reform guidelines, you may deposit up to $2,700 into a Health Care FSA, which provides you with the ability to save money on a pre-tax basis for any IRS-allowed health expenses not covered by your health care coverage. In addition, you may deposit up to $5,000 ($2,500 if you are married and both you and your spouse elect the benefit) into a Dependent Care FSA. Eligible expenses include payments to day care centers, pre-school costs (up to kindergarten), and after-school and elder care.

Relph Benefit Advisors

Relph Benefit Advisors (RBA) provides a single point of contact for assistance in understanding and navigating Colgate University’s medical, prescription, dental, and flexible spending plans. RBA services are available for employees, their spouses or domestic partners, and their children at no cost. Relph Benefit Advisors will help with locating providers, ordering replacement I.D. cards, estimating out-of-pocket costs and plan coverage, resolving provider billing and insurance claims, facilitating approvals and prior authorizations for services, and providing support for out-of-area services.

For assistance, e-mail cuservice@relph.net or call 1-800-836-0026 x510, Monday – Friday, 8:00 a.m. – 4:30 p.m.

Employee Assistance Program (EAP)

All employees and their immediate family members or dependents living with an employee have access to the EAP provided through Family Services Associates. The EAP provides short-term, solution-focused counseling (usually 4-6 sessions) to assist with problems such as substance abuse, marital and family issues, financial or legal concerns, and job stress. To take advantage of the benefits available through the EAP, call Family Services Associates at 1-315-451-2161.

Additional Benefits

Benefit Administrators,
Staff Coaches, and
Language Interns
Faculty: Teaching,
Library, and Athletics
Technicians,
Support Staff, and
Campus Safety Officers
Local 200 SEIU-Facilities
Defined Contribution Retirement Plan-Core Contribution* The University will contribute each calendar year as follows: Less than 52 years of age: 5% of the employee’s accumulated year to date base salary up to $90,835† and 10% over $90,835† years of age and over: 7% of the employee’s accumulated year to date base salary up to $90,835† and 12.7% over $90,835†. †The breakpoint may change each January 1 based on the Social Security taxable wage base. The maximum base salary eligible for contributions is $280,000. The University will contribute each calendar year as follows: Less than 52 years of age: 5% of the employee’s accumulated year to date base salary up to $90,835† and 10% over $90,835† years of age and over: 7% of the employee’s accumulated year to date base salary up to $90,835† and 12.7% over $90,835†. †The breakpoint may change each January 1 based on the Social Security taxable wage base. The maximum base salary eligible for contributions is $280,000. The University will contribute each calendar year as follows: Less than 52 years of age: 5% of the employee’s accumulated year to date base salary up to $90,835† and 10% over $90,835† years of age and over: 7% of the employee’s accumulated year to date base salary up to $90,835† and 12.7% over $90,835†. †The breakpoint may change each January 1 based on the Social Security taxable wage base. The maximum base salary eligible for contributions is $280,000. The University will contribute an amount equal to 8% of the employee’s base annual salary. The employee is required to contribute at least 2% of his/her base annual salary.
Defined Contribution Retirement Plan-Voluntary Matching Contribution * The University will match an employee’s voluntary contributions as follows: 1% of salary = 1.5% match; 2% of salary = 3% match; 3% of salary = 3.5% match 4% or more of salary = 4% match. The University will match an employee’s voluntary contributions as follows: 1% of salary = 1.5% match; 2% of salary = 3% match; 3% of salary = 3.5% match 4% or more of salary = 4% match. The University will match an employee’s voluntary contributions as follows: 1% of salary = 1.5% match; 2% of salary = 3% match; 3% of salary = 3.5% match 4% or more of salary = 4% match. The University will contribute 10% if employees age 52 or older contribute an additional 1% for a total of 3%
Tax-Deferred Annuity Plan Employees may set aside pre- and post-tax contributions up to the maximum allowed by the IRS. Employees may set aside pre- and post-tax contributions up to the maximum allowed by the IRS. Employees may set aside pre- and post-tax contributions up to the maximum allowed by the IRS. Employees may set aside pre- and post-tax contributions up to the maximum allowed by the IRS.
Basic Life and AD& D Insurance Coverage amount equals two times employee’s base salary to a maximum benefit of $300,000. Starting at age 65, benefit reductions may apply. This coverage is provided at no cost to you. Coverage amount equals two times employee’s base salary to a maximum benefit of $300,000. Starting at age 65, benefit reductions may apply. This coverage is provided at no cost to you. Coverage amount equals two times employee’s base salary to a maximum benefit of $300,000. Starting at age 65, benefit reductions may apply. This coverage is provided at no cost to you. Coverage amount equals two times employee’s base salary to a maximum benefit of $300,000. Starting at age 65, benefit reductions may apply. This coverage is provided at no cost to you.
Voluntary Life Insurance
  • Employee
  • Spouse
  • Dependents
  • May elect 1x or 2x annual base salary up to a maximum benefit of $200,000.
  • May elect $5,000 or $10,000 for your spouse. Election cannot exceed 100% of employee amount.
  • Birth to six months: $500 / Six months to age 26: Choice of $2,000 or $4,000 for your dependents.
  • May elect 1x or 2x annual base salary up to a maximum benefit of $200,000.
  • May elect $5,000 or $10,000 for your spouse. Election cannot exceed 100% of employee amount.
  • Birth to six months: $500 / Six months to age 26: Choice of $2,000 or $4,000 for your dependents.
  • May elect 1x or 2x annual base salary up to a maximum benefit of $200,000.
  • May elect $5,000 or $10,000 for your spouse. Election cannot exceed 100% of employee amount.
  • Birth to six months: $500 / Six months to age 26: Choice of $2,000 or $4,000 for your dependents.
  • May elect 1x or 2x annual base salary up to a maximum benefit of $200,000.
  • May elect $5,000 or $10,000 for your spouse. Election cannot exceed 100% of employee amount.
  • Birth to six months: $500 / Six months to age 26: Choice of $2,000 or $4,000 for your dependents.
Short-Term Disability* Employees with less than one year of service will receive 60% of monthly earnings. Employees with at least one year of service will receive 100% of monthly earnings. Benefits begin after one day of disability and are payable for a maximum of six months. Employees with less than one year of service will receive 60% of monthly earnings. Employees with at least one year of service will receive 100% of monthly earnings. Benefits begin after one day of disability and are payable for a maximum of six months. Coverage replaces 60% of weekly earnings to a maximum of $350 per week. Benefits begin after seven days of disability and are payable for a maximum of 26 weekly payments. Coverage replaces 60% of weekly earnings to a maximum of $350 per week. Benefits begin after seven days of disability and are payable for a maximum of 26 weekly payments.
Long-Term Disability* You may apply for coverage if you remain disabled for 180 days due to the same illness or injury. Benefit pays 60% of your monthly earnings to a maximum of $12,500 per month. You may apply for coverage if you remain disabled for 180 days due to the same illness or injury. Benefit pays 60% of your monthly earnings to a maximum of $12,500 per month. You may apply for coverage if you remain disabled for 180 days due to the same illness or injury. Benefit pays 60% of your monthly earnings to a maximum of $12,500 per month. You may apply for coverage if you remain disabled for 180 days due to the same illness or injury. Benefit pays 60% of your monthly earnings to a maximum of $12,500 per month.
AFLAC Cancer Policy A voluntary policy which provides cash payments when diagnosed with having internal cancer. The plan covers expenses that your health insurance does not, such as experimental treatments, travel and lodging. A voluntary policy which provides cash payments when diagnosed with having internal cancer. The plan covers expenses that your health insurance does not, such as experimental treatments, travel and lodging. A voluntary policy which provides cash payments when diagnosed with having internal cancer. The plan covers expenses that your health insurance does not, such as experimental treatments, travel and lodging. A voluntary policy which provides cash payments when diagnosed with having internal cancer. The plan covers expenses that your health insurance does not, such as experimental treatments, travel and lodging.
Workers’ Compensation Insurance that provides partial income replacement and coverage of medical costs for illness or injury arising directly out of employment with Colgate University Insurance that provides partial income replacement and coverage of medical costs for illness or injury arising directly out of employment with Colgate University Insurance that provides partial income replacement and coverage of medical costs for illness or injury arising directly out of employment with Colgate University Insurance that provides partial income replacement and coverage of medical costs for illness or injury arising directly out of employment with Colgate University
Business Travel Accident Insurance In the event of an employee’s death in a commercial vehicle, while traveling on University business, a single payment of $200,000 will be made to the named beneficiary(ies). In the event of an employee’s death in a commercial vehicle, while traveling on University business, a single payment of $200,000 will be made to the named beneficiary(ies). In the event of an employee’s death in a commercial vehicle, while traveling on University business, a single payment of $200,000 will be made to the named beneficiary(ies). In the event of an employee’s death in a commercial vehicle, while traveling on University business, a single payment of $200,000 will be made to the named beneficiary(ies).
Tuition Free Courses at Colgate (Includes employees and their spouses/ domestic partners) Two Colgate courses per term on a tuition-free basis, with a $20 administrative fee per course. Additional courses may be taken at the cost of one-half tuition. Two Colgate courses per term on a tuition-free basis, with a $20 administrative fee per course. Additional courses may be taken at the cost of one-half tuition. Two Colgate courses per term on a tuition-free basis, with a $20 administrative fee per course. Additional courses may be taken at the cost of one-half tuition. Two Colgate courses per term on a tuition-free basis, with a $20 administrative fee per course. Additional courses may be taken at the cost of one-half tuition.
Higher Education Grant Program* The University will grant an amount up to one-half of Colgate’s tuition for the eligible son or daughter of an eligible employee. The dependent must be matriculated at an accredited college or university in pursuit of an initial undergraduate degree. The University will grant an amount up to one-half of Colgate’s tuition for the eligible son or daughter of an eligible employee. The dependent must be matriculated at an accredited college or university in pursuit of an initial undergraduate degree. The University will grant an amount up to one-half of Colgate’s tuition for the eligible son or daughter of an eligible employee. The dependent must be matriculated at an accredited college or university in pursuit of an initial undergraduate degree. The University will grant an amount up to one-half of Colgate’s tuition for the eligible son or daughter of an eligible employee. The dependent must be matriculated at an accredited college or university in pursuit of an initial undergraduate degree.
Work-Related Course Reimbursement* and Training and Development Funding The University will provide tuition assistance for work-related courses and degree programs at the undergraduate and graduate level at educational institutions other than Colgate. Financial assistance is available for off-campus conferences, workshops, seminars or courses that enhance individual skills Faculty-Not Applicable. Library & Athletic Faculty receive the same benefit as Administrators, Staff Coaches and Language Interns. The University will provide tuition assistance for work-related courses and degree programs at the undergraduate and graduate level at educational institutions other than Colgate. Financial assistance is available for off-campus conferences, workshops, seminars or courses that enhance individual skills The University will provide tuition assistance for work-related courses and degree programs at the undergraduate and graduate level at educational institutions other than Colgate. Financial assistance is available for off-campus conferences, workshops, seminars or courses that enhance individual skills
Vacation Days* (prorated for part-time employees) 20 days per year for full-time employees Teaching Faculty - Not Applicable. Library & Athletic Faculty receive the same benefit as Administrators, Staff Coaches and Language Interns. The number of vacations days an employee can accrue is based on their date of hire. The number of vacations days an employee can accrue is based on their date of hire.
Holidays 12 1/2 holidays 12 1/2 holidays 12 1/2 holidays 12 1/2 holidays
Sick Leave (prorated for part-time employees) Not Applicable Not Applicable The amount of sick leave an employee can accrue is based on their date of hire. The amount of sick leave an employee can accrue is based on their date of hire.
Funeral Leave Employees are eligible for up to three days off for the death of an immediate family member. Employees are eligible for up to three days off for the death of an immediate family member. Employees are eligible for up to three days off for the death of an immediate family member. Employees are eligible for up to three days off for the death of an immediate family member.
Housing Loan Maximum of $20,000. Some restrictions apply. Maximum of $20,000. Some restrictions apply. Maximum of $20,000. Some restrictions apply. Maximum of $20,000. Some restrictions apply.
Athletic Facilities Employees may use the athletic facilities at no cost. Employees may use the athletic facilities at no cost. Employees may use the athletic facilities at no cost. Employees may use the athletic facilities at no cost.

*These benefits may be subject to an eligibility waiting period.