Pomona College believes that a robust offering of health insurance will enable employees to live well and work well.  There are several choices that employee can make with regards to their health insurance.  Be sure to speak directly to a member of the HR team or the CUCs benefits office should you require any clarification on available plans.  Pomona also offers Accidental Death and Dismemberment, Long Term Care, Long Term Disability, Life Insurance, Pet Insurance, and Travel Accident Insurance.

Medical Insurance

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month.*

Cost to Employee

Employees pay a portion of the premium cost of coverage. Premiums are deducted from the employee’s paycheck on a pre-tax basis.

Description

There are three medical plans available. The monthly employee portion of premium payments are as follows:

Employees earning under $52,000

Medical Plan Employee Only Two Party Family
Kaiser HMO $45.46 $95.46 $136.37
Anthem Blue Cross HMO $53.34 $112.00 $159.85
Anthem Lumenos HDHP $57.60 $242.15 $520.28

Employee earning over $52,000

Medical Plan Employee Only Two Party Family
Kaiser HMO $45.46 $190.91 $409.10
Anthem Blue Cross HMO $53.34 $223.99 $479.54
Anthem Lumenos HDHP $57.60 $242.15 $520.28

* Bargaining unit members are eligible for medical and dental coverage through UNITE HERE Health after 2 full months of employment.

Dental Insurance

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month.*

Cost to Employee

Employees pay a portion of the premium cost of coverage. Premiums are deducted from the employee’s paycheck on a pre-tax basis. 

Description

There are two Cigna dental plans available. The monthly employee portion of premium payments are as follows:

Dental Plan Employee Only Two Party Family
Cigna Dental DHMO $4.18 $14.85 $32.15
Cigna Dental PPO $48.96 $102.96 $210.05

* Bargaining unit members are eligible for medical and dental coverage through UNITE HERE Health after 2 full months of employment.

Vision Plan

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

The Claremont Colleges currently pays the full premium cost of employee-only coverage for the Anthem Core Plan. Employees pay a portion of the cost of coverage for Anthem Core Plan coverage for dependents and the Anthem Buy-Up Plan. Premiums are deducted from the employee’s paycheck on a pre-tax basis. 

Description

There are two Anthem vision plans available. The monthly employee portion of premium payments are as follows:

Vision Plan Employee Only Two Party Family
Vision Core $0.00 $1.36 $3.05
Vision Buy-Up $6.42 $10.83 $17.95

Flexible Spending Accounts

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month.

Cost to Employee

Employee contributions are deducted from paycheck on a pre-tax basis. 

Description

Flexible Spending Accounts (FSA) allow employees to set aside pre-tax dollars to pay for certain out-of-pocket eligible expenses and dependent care costs. 

There are three types FSAs available: 

  • Healthcare FSA 
  • Limited Scope Health Care FSA 
  • Dependent Care FSA 

Dependent FSA Subsidy

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

Pomona College pays subsidy based on a sliding scale dependent on employees’ annual salary and amount of employee voluntary contribution. Employees pay remaining portion. 

Description

Pomona College contributes toward the cost of employees’ dependent flexible spending account. 

Long-Term Care

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

Employee’s age and selected plan at first enrollment determine the employee’s monthly premium rate for the coverage. 

Description

Long-term care insurance provides enrollees with access to personal assistance from care coordinators who are knowledgeable in the field of long-term care. In addition to conventional nursing home coverage, the policy covers services received in employee’s own home. Other types of care facilities may be covered. 

Long-Term Disability

Effective Date

First day of employment if working 30 hours or more. 

Cost to Employee

The Claremont Colleges currently pays the full premium cost of long-term disability. 

Description

Employees may apply for long-term disability (LTD) coverage after being disabled for 180 days. LTD coverage could pay 66⅔ percent of employee’s covered monthly salary, up to a maximum benefit of $15,000 per month. 

Life Insurance

Basic Life Insurance 

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

The Claremont Colleges currently pays the full premium cost of Basic Life Insurance. 

Description

The benefit amount is equal to one times the employee’s basic annual earnings (rounded to the next $1,000). The minimum coverage amount is $20,000, and the maximum coverage amount is $50,000. 

Supplemental Life Insurance

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

Employees pay the full premium cost of coverage. Premiums are deducted from employee’s paycheck on an after-tax basis. 

Description

Coverage is available in the following amounts: 

Eligible Member Coverage Amount
Employee 1–4 times employee’s basic annual earnings (rounded to the nearest $1,000), to a maximum of $1 million
Spouse $10,000 increments, to a maximum of $250,000 or 50% of employee’s combined Basic and Supplemental Life Insurance coverage
Child(ren)
Birth - 6 months
$1,000
Child(ren)
6 months & older
$5,000

Accidental Death & Dismemberment

Effective Date

First day of the month after date of hire, or date of hire when date of hire is the first day of the month. 

Cost to Employee

Employees pay the full premium cost of coverage. 

Description

Accidental Death & Dismemberment (AD&D) insurance protects employees and their families in the event of an accident-related death or dismemberment. AD&D Insurance is available in the following amounts:

Type of Coverage Coverage Amount
Employee $25,000 increments, up to $500,000, but not exceeding 10x employee’s annual salary if the selection is over $250,000
Spouse

If only a spouse/domestic partner is covered, the spouse’s coverage amount is 100% of the employee’s coverage amount.

If a spouse/domestic partner and children are covered, the spouse’s coverage amount is 80% of the employee’s coverage amount

Children

If only children are covered, the children’s coverage amount is 30% of the employee’s coverage amount

If a spouse/domestic partner and children are covered, the children’s coverage amount is 20% of the employee’s coverage amount

Maximum benefit amount of $50,000

Pet Insurance

Effective Date

Upon date of hire. 

Cost to Employee

The Claremont Colleges provides a 5% discount on the premium cost of coverage. Employees pay remaining portion.

Description

Pet insurance from Pets Best helps to reimburse on veterinary bills when employee’s dog or cat is sick or injured. Pets Best BestWellness™ plan offers coverage for pet’s routine care. 

Travel Accident Insurance

Effective Date

Upon date of hire. 

Cost to Employee

Pomona College pays the full cost of the coverage. 

Description

Eligible employees are covered for accidental death or dismemberment while traveling on college-authorized business.