Health & Wellness Benefits
Medical insurance, dental insurance, Flexible Spending Accounts, HSA’s, and more.
Life & Disability Insurance
Group and voluntary life insurance, long-term care insurance, and more.
403(b) retirement plan matching, consultations, and financial education.
Vacation & Paid Leave
Holidays, sick/personal time, vacation, and other leaves of absence.
Undergraduate and Graduate Program tuition discounts for employees and family members.
Discounts & Other Benefits
Local merchant discounts, commuter benefits, university services, and more.
Provider Contact Information
Contact insurance and retirement plan customer service and manage your accounts online.
If you have general questions about eligibility, enrollment, adding or dropping coverage for yourself or a dependent, payroll deductions, or basic plan benefits, contact the Human Resources Department. Call 215.702.4541 or email firstname.lastname@example.org.
To address special or unusual questions, or claim issues that you are unable to resolve through direct interaction with the carrier, the Human Resources department will facilitate connecting you with Cairn’s benefit consultant, Radnor Benefits Group.
Summary Plan Descriptions and Plan Documents
A Summary Plan Description (SPD) is an easily-read summary of benefits, including some or all of the following (as applicable): coverage levels, copayments, deductibles, eligibility and enrollment requirements, benefits limits and exclusions. SPDs are available for medical, dental, and life/AD&D/LTD insurance, and 403(b) Retirement Plan. For medical, dental, and life/AD&D/LTD plans, SPDs are provided along with other carrier information, at the time you become eligible for enrollment.
A Plan Document is the official, ERISA-compliant document outlining the terms and conditions of the plan. Cairn has Plan Documents for group medical and dental insurance, flexible spending account and Section 125 benefits; and for the Retirement Plan.
Mandatory Notices Regarding Benefits
Federal and State laws provide a wide variety of rights to employees and mandate that employers notify employees of these rights on a regular (at least annual) basis. Examples of notices include, but are not limited to, those related to: eligibility for the Children’s Health Insurance Program (CHIP) and Medicaid, prescription drug coverage and Medicare, rights regarding when and under what circumstances employees may enroll in the University’s health plans, and privacy and security of personal health information. These notices are combined into a single document.