Death of an Active or Disabled Employee
Health, Dental, and Vision Care coverage will continue for your covered dependents for six months following your death. If you had met all eligibility requirements for Retiree Health Care, health coverage may be continued beyond six months. The first six months of coverage is provided without charge.
If you terminate employment, voluntarily or involuntarily, you are eligible to continue Health Dental and Vision Care coverage under COBRA. Health insurance can also continued on a direct-payment basis with the carrier. If you are interested, contact Empire Blue Cross or your HMO. Under the Affordable Care Act, you can also obtain low-cost coverage in the Health Insurance Marketplace by visiting www.healthcare.gov.
If You Become Disabled
For the period of time you receive income replacement through New York State Short-Term Disability insurance for a non-work-related illness or injury, the RF will continue the Health, Dental and Vision Care benefits in effect at the time of your disability.
If you receive income replacement through Workers' Compensation for a total disability caused by a work-related illness or injury sustained during RF employment, the RF will continue the benefits in effect at the time of your disability, either for the period of the total disability or up to age 65, whichever comes first.
If you are receiving Long-Term disability payments, how your Health, Dental and Vision Care coverage continues depends on a number of factors, including your date of hire, your age, and the amount of full-time equivalent service you have at the time you become disabled. Please refer to the Benefits Handbook for details.
If You Take a Leave of Absence Without Pay
While on an approved leave of absence for up to one year, you may continue Health, Dental and Vision Care benefits and Basic and Optional Life coverage by paying the full premium (employee plus employer share) directly to the RF. If you do not return to work after the leave of absence, you will able to continue your benefits under COBRA rules. The leave of absence and COBRA periods run concurrently.
If you take Family and Medical Leave (FMLA)
During periods of approved leave under the federal Family and Medical Leave Act (FMLA), you may continue Health, Dental, and Vision Care coverage if you pay the same share of the premium as an active employee. Please contact your campus benefits office to obtain the forms you must complete for this continuation and refer to your Employee Handbook for details about FMLA.