Employee Benefits Below is a summary of current employee benefits. An employee must work Full Time or Part Time (working 20 hours or more each week) to qualify for our benefits.  Excluded are Part Time Employees working less than 20 hours each week, and Seasonal Employees (those who are employed for a limited period of time). Major Medical/Hospital United Healthcare - Choice Plus Eligible on date of hire Unlimited lifetime maximum In-Network 100% coverage - $15 copayment No deductibles Out-of-Network: Annual Deductible: $300 Individual/$600 Family 80% of 1st $10,000 of covered medical/hospital expenses; 100% thereafter for balance of calendar year Prescription Drugs $10 copay- Generic at participating pharmacies $15 copay- Preferred Brand Name at participating pharmacies $30 copay- Non-preferred Brand Name Mail order plan for 90-day supplies of maintenance drug Subject to the above copayments Dental MetLife Insurance Company Eligible on date of hire 100% preventive care, not subject to deductible 80% basic restorative - $25/$75 deductible 50% major restorative - $25/$75 deductible $2,500 calendar year maximum Long Term Disability 60% of your monthly salary will be paid to you after 6 months of continuous absence due to non-work related illness or injury; at no cost to you (excluding Visiting Scientists); eligible on date of hire. Life Insurance, Accidental Death and Dismemberment: Faculty and Administration 2.5 times annual salary (max. $1,000,000) at no cost to you Eligible on date of hire Optional Coverage available at your own cost -- or --   Post Doctoral Fellows and Visiting Scientists $25,000 at no cost to you Eligible on date of hire Optional Coverage available at your own cost Hyatt Legal Plan Discounted legal services available from participating attorneys; Employee Cost: $16.50 per month Vision Care Discount vision plans available from the following vendors: Cohen’s Optical, Sterling Optical, Pearle Vision and Davis Vision. 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. Lab 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. Personal Savings Retirement 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.