FOREWORD - Wentworth Institute of Technology

WIT Employee HandbookSection IV: BenefitsIV B. DENTAL INSURANCEThe group dental protection plan is through New England Financial. Fifty percent ofthe premium is to be paid by Wentworth, and 50 percent is to be paid by theemployee.Employees are eligible the first day of the month following date of employment. Theplan covers the following three types of service: Type I—cleanings and X-rays 100percent; Type II—fillings and root canals 85 percent; and Type III—crowns andbridge work 60 percent. If the employee neglects to sign up within 31 days ofemployment, there is a penalty on Type II and Type III. For Type II procedures, thepenalty is a 12-month waiting period; and for Type III procedures, the penalty is a24-month waiting period. There is a $25 deductible per year per person for Type II orType III or a $75 maximum family deductible per year.The calendar year maximum for Types I, II and III expenses is $1,500 per employeeplus $1,500 for each of his/her eligible dependents. Participants in the plan areeligible for three cleanings per calendar year. The orthodontia maximum is $1,500per person on a lifetime basis.Under the Health Insurance Premium Payment Plan (Section 125), employees mayelect to have their dental premium payments deducted from their salary on thepretax basis thereby reducing their taxable income. Employees not wanting toparticipate need to sign a waiver indicating that they wish to have the deductionsoccur on a post-tax basis.Plan booklets which explain the dental coverage in detail are provided by NewEngland Financial and may be obtained in the Human Resources Department.March 200944