Welcome to Your Employee Benefits
This site has been created as your one-stop-shop for important information about your benefit programs,
health & wellness resources and company news.
Check here when you need to find forms or documents, links to insurance providers,
or information on company benefits.
Details on this website are only an overview. Please refer to your plan documents for a complete description of coverage, exclusions and limitations. If there are any differences between the plan details provided here and the plan documents, the plan documents will determine your eligibility, coverage, exclusions and limitations.
MEDICAL
Medical Mutual Medical Plans
Choose from three different medical plans to cover yourself and your dependents. The plans are insured by Medical Mutual (MMO) & provide coverage for both medical & pharmacy expenses within a national network of providers. The way that services are covered & the cost share for services is what’s different under each plan, so be sure to review the details of the plans to choose the plan that best fits the needs of you & your family.
Plan 1: PPO Plan
SuperMed Plus PPO Plan
Plan 2: Consumer-Driven Health Plan + HSA
High Deductible Plan paired with a Health Savings Account (HSA)
Plan 3: HMO Plan
MedFlex HMO Plan
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RESOURCES
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HEALTH SAVINGS ACCOUNT
What is an HSA?
Health Savings Accounts (HSA) are a tax-advantaged medical savings account available to those who enroll in the Consumer Driven Health Plan (CHDHP). The funds you invest are not subject to most taxes. The growth of the invested amount is not taxed and when the funds are distributed, no tax penalties are incurred when applied to qualifying expenses. The funds you contribute to your HSA are yours to keep and can be used not only for medical expenses, but for retirement expenses as well.
In 2024, BW will contribute to the HSA for those employees enrolled in the CDHP plan:
$750 Single
$1,500 Family
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RESOURCES
FLEXIBLE SPENDING ACCOUNT
What is an FSA?
Flexible Spending Accounts (FSA) provide you with an important tax advantage that can help you pay health care & dependent care expenses on a pre-tax basis. By anticipating your family’s health care and dependent care costs, you can actually lower your taxable income and that means you get to keep more of what you earn.
There are two types of FSAs available, which allow you to pay qualified expenses with pre-tax deductions:
- The Health Care FSA allows any qualified medical expense
- The Dependent Care FSA allows payment of eligible Dependent Care expenses
DENTAL
Choose providers in Medical Mutual (Superior Care Dental) network in order to maximize your benefits.
- Out-of-pocket costs are likely to be less when you choose an In-network dentist
- 100% coverage for periodic oral exams
- Pay an annual Deductible of $50 Single/$100 Family for Basic & Major services (Deductible waived for Preventive)
- Pay 80% of Basic & 50% of Major covered services
- Pay 50% for Orthodontia (adults & children)
- Receive an annual maximum benefit of $1,250 per person
- A lifetime maximum Orthodontics benefit of $1,000 per person
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RESOURCES
VISION
When you elect coverage through Medical Mutual (EyeMed Insight Network), you’ll have:
- Access to a large network of ophthalmologists, optometrists & opticians, from private practices to retailers like LensCrafters, Pearle Vision, Target Optical and Visionworks
- A $20 copay for an In-network routine exam
- Coverage for frames, lenses and contacts
- Access to other savings and discounts
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RESOURCES
BASIC LIFE INSURANCE
We know you want to protect your loved ones in case of life’s uncertainties. Baldwin Wallace offers Basic Term Life Insurance and Accidental Death & Dismemberment (AD&D) coverage at no cost to you. You may purchase additional, supplemental coverage to increase your coverage amounts & provide coverage for your dependents.
At no cost to you, Basic Term Life Insurance gives you:
- Coverage in the amount of $50,000
- AD&D coverage as part of your life insurance
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DISABILITY
Short-Term Disability (STD)
Staff who are injured off the job or who suffer a major illness may apply for Short-Term Disability benefits paid at 70% which may begin as early as the 16th working day after the initial date of injury/illness & may continue for up to 180 days from the date the disability began.
Long-Term Disability (LTD)
BW provides Long-Term Disability coverage through Medical Mutual that provides a benefit after employees have been disabled & unable to work for 180 days.
The benefit is equal to 60% of monthly pre-disability earnings, up to a maximum of $10,000, less deductible sources of income.
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TUITION BENEFITS
Full-time Faculty, Administrative & Support Staff, as well as Part-Time employees who have worked the required number of hours in the previous calendar year, are eligible for Tuition Remission Benefits.
- All full-time employees and dependents are eligible at the first semester after hire (once 90 day probation is met) for 100% undergraduate waiver of tuition for any approved and covered courses they take at Baldwin Wallace.
- The employee can only take 11 or fewer credit hours per semester to receive the waiver.
- The employee and spouse are also eligible for graduate tuition benefits through Baldwin Wallace University only at a 92% Discount; but dependent children receive waiver for only undergraduate work.
- No family may have more than the equivalent of two persons receiving this benefit at any one time.
- Graduate tuition benefits are considered taxable compensation.
Employee Tuition Remission Application
All employees must be actively working for BW at the time benefits are used. The tuition remission benefit applies to tuition only and does not apply to books, supplies, lab fees or room & board. Tuition benefits may not be applied to special programs like the accelerated degree program or any other restricted programs.
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RESOURCES
ADDITONAL RESOURCES
Medical Mutual
Medical
Medical Mutual
Dental, Vision, Life & Disability
