Major Medical/Hospital

CSHL offers 2 health plans

• Choice EPO Plan
• Choice Plus PPO Plan

EPO Plan

In Network Benefits Only
Office Visit Copay: $20
Out of Pocket Maximum: $500/$1,500
Inpatient Hospital Copay: $325
Emergency Room Copay: $75
Prescription Copay (Retail - 31 Day Supply): $5/$25/$35
Prescription Copay (Mail Order - 90 Day Supply): $10/$50/$70

PPO Plan

In Network Benefits
Office Visit Copay: $30
Out of Pocket Maximum: $750/1,500
Inpatient Hospital Copay: $850
Emergency Room Copay: $75
Prescription Copay (Retail - 31 Day Supply): $5/$25/$35
Prescription Copay (Mail Order - 90 Day Supply): $10/$50/$70

Out of Network Benefts
Annual Deductible: $400/800
Coinsurance: 20%
Out of Pocket Maximum: $2,500/5,000
Prescription Copay (Retail - 31 Day Supply): $5/$25/$35
Prescription Copay (Mail Order - 90 Day Supply): $10/$50/$70

Vision Care

Eyemed provides one annual routine eye exam ($20 copay) for all benefits eligible employees. Employees can also purchase additional coverage for eyeglasses and contact lenses.

Dental

MetLife Insurance Company
Eligible on date of hire
100% preventive care, not subject to deductible
80% basic restorative - $50/$150 deductible
50% major restorative - $50/$150 deductible
$3,000 calendar year maximum

Long Term Disability

60% of your monthly salary will be paid to you after 6 months of continuous absence due to illness or injury; at no cost to employee (excluding Visiting Scientists); eligible on date of hire.

Life Insurance, Accidental Death and Dismemberment:

Faculty and Administration

Full time employees 2.5 times annual salary (max. $1,000,000) at no cost to employee. 
Part time benefits eligible employees 1 times annual salary at no cost to employee.
Eligible on date of hire
Optional Coverage available at own cost

-- or --

Post Doctoral Fellows and Visiting Scientists

$25,000 at no cost
Eligible on date of hire
Optional Coverage available at own expense

Hyatt Legal Plan

Discounted legal services available from participating attorneys;
Employee Cost: $18.00 per month

Flexible Spending Accounts

Save money on your out-of-pocket health care expenses up to $2500 per year, or on your dependent care expenses up to $5000 per year.

Care24 Employee Assistance

Information and resources, available 7 days a week/24 hours per day, that can help you and your family identify and resolve problems affecting emotional and physical health.

NYS College Savings Program

Set up a Tuition Savings Account for future college students. Make contributions via payroll deduction.

CSHL 401(a) Retirement Plan

Must be at least 21 years of age and have worked a minimum of 1,000 hours for two consecutive years. CSHL contributes the equivalent of 9.3% of your annual salary up to the social security taxable wage base and 15% of your annual salary above that base. Post Doctoral Fellows and Visiting Scientists receive a 1% contribution.

CSHL Tax Deferred Annuity Plan

You may contribute a portion of your gross salary before state and federal taxes are withheld, thereby reducing your taxable income. Eligible on date of hire if you have a valid social security number.