Benefits: Insurance

Embry-Riddle faculty and staff who work 30 or more hours are eligible for insurance coverage.

Health Care, Dental, and Vision Insurance Plans

Embry-Riddle Health Care Plan

The Embry-Riddle Health Care Plan is a PPO (preferred provider organization) plan available to employees on all campuses. The plan includes dental and vision coverage and a prescription drug program.

• Overview of Embry-Riddle Health Care Plan.  Brief definitions of terms and coverages.
• Volusia Health Network Preferred Provider Directory.  VHN's Web site offers a directory of in-network healthcare providers, as well as contact information for precertification and claims processing.
• Florida Memorial Health Network.  FMHN's Web site includes a Provider Search for Physicians and Facilities.
• Blue Cross/Blue Shield Providers.  To find BC/BS providers, choose the "Blue Preferred (PPO)" option on the Blue Cross/Blue Shield Arizona Web site.

Florida Health Care Plan

The Florida Health Care Plan is an HMO (health maintenance organization) plan available only to employees on the Daytona Beach or Worldwide Campus headquarters in Daytona Beach. The plan includes dental and vision coverage and a prescription drug program.

• Overview of Florida Health Care Plan (HMO). Brief definitions of copayments. (Note: Florida Health Care (HMO) is not available to Prescott or Worldwide Campus employees.)
• Florida Health Care Plan (HMO). Link to FHCP Web site for list of health care providers, facilities, and other information.

Flex Benefit Spending Accounts

Eligible employees may enroll in a Medical Expense Reimbursement Spending Account and/or a Dependent Care Expense Reimbursement Spending Account.

A medical reimbursement account is a way to set aside pretax dollars through payroll deduction to pay for certain eligible out-of-pocket medical expenses not covered by insurance. (Examples of these expenses include health and dental deductibles, copayments, and eyeglasses.) A dependent care reimbursement account is a way to set aside pretax dollars to pay for dependent day care.

Basic Life Insurance

Embry-Riddle provides coverage equal to the employee's annual salary. Minimum coverage is $15,000; maximum coverage is $50,000.

Employee Supplemental Life Insurance

Eligible employees may purchase additional term life insurance coverage through payroll deduction.

Spouse (Domestic Partner) and Dependent Child Term Life Insurance

Eligible employees may purchase term life insurance coverage for their spouse (domestic partner) and/or dependent children through payroll deduction.

Accidental Death & Dismemberment Insurance

Embry-Riddle provides coverage equal to the employee's annual salary. Minimum coverage is $15,000; maximum coverage is $50,000. Dismemberment benefit is full- or half-salary, based on the extent of the injury.

Short-Term Disability Insurance

Eligible staff receive a weekly benefit rate equal to 60% of salary, up to $750.00. The maximum benefit period is 26 weeks. Eligible faculty receive up to eight weeks of faculty disability leave, then receive 60% salary for up to 18 weeks, for a total maximum benefit period of 26 weeks.

Long-Term Disability Insurance

Embry-Riddle provides this insurance, with a monthly benefit rate equal to 60% of salary, up to $5,000.00. Benefits may continue up to age 65.

Voluntary Personal Accident, Indemnity, and Cancer Protection Plans

Eligible employees may participate in additional accident/disability and cancer insurance plans through payroll deduction.