FOREWORD - Wentworth Institute of Technology

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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
WIT Employee HandbookSection IV: BenefitsIV C. LIFE INSURANCE PROGRAMAll regular full-time and regular part-time employees are eligible to participate in ourlife insurance program upon the first of the month following hire or completion of theeligibility period indicated in the union contract.1. WENTWORTH SPONSORED GROUP LIFE INSURANCE PROGRAMA "Two-Times-Salary" group life insurance policy is provided for all regular full-timeand regular part-time employees. Wentworth shall pay the full premium for thisinsurance so long as it falls due while the holder remains a regular full-time orpart-time employee at Wentworth. This benefit reduces by 50 percent at age 70.2. OPTIONAL GROUP UNIVERSAL LIFEThis insurance is available to regular full-time and part-time employees actively atwork. It provides coverage in increments of $10,000. The employee is responsiblefor all costs. This coverage is portable at group rates. Spouse and dependentcoverage is available as well as a savings plan option. Booklets are available inHuman Resources.March 200945
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FOREWORD - Wentworth Institute of Technology

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