Other Benefits

Open enrollment is also your opportunity to make changes to health and welfare benefits and to elect a Flexible Spending Account (FSA).

Health Plans

For 2022, you can choose from among an array of medical plan options from the Harvard Group Health Plan (HUGHP) and Blue Cross Blue Shield of Massachusetts (BCBSMA). You can find a detailed overview of plan coverage and monthly premium rates in your 2022 Benefits Open Enrollment Guide.

Dental

Provided through Delta Dental – accepted by 96% of Massachusetts dentists – and offers in-network and out-of-network coverage. Please refer to your 2022 Benefits Open Enrollment Guide for monthly premium rates. Learn more about the dental plan.

Vision

Provided through EyeMed, Harvard’s vision care plan offers coverage of exams, eyewear and contact lenses and discounts on other services. Please refer to your 2022 Benefits Open Enrollment Guide for monthly premium rates. Learn more about vision care plan.

Flexible Spending Accounts (FSA)

FSAs let you save on taxes while paying for out-of-pocket medical, dental and vision care and/or dependent care expenses. With the FSA, you contribute money before taxes to pay predictable expenses and receive a debit card that makes paying easy where accepted – while no reimbursement forms are required if you use the debit card, substantiation of the claim may be required, so be sure to save the receipts.

FSA funds that are unspent/unclaimed by the end of the plan year are forfeited, so please estimate expenses carefully. You have until March 15, 2023 to incur expenses and March 31, 2023 to submit for reimbursement. The tax-savings calculator, with out-of-pocket medical cost estimator – a tool provided by our FSA administrator Benefit Strategies – can help you estimate how much to save in an FSA based on your expected out-of-pocket costs, and also show your estimated tax savings.

You must actively elect this benefit each year during open enrollment. Learn more about FSAs.

2022 FSA Limits:
Health—$2,750
Limited Purpose—$2,750*
Dependent Care—$5,000

*The Limited Purpose FSA is only for those enrolled in an HSA; it allows participants to contribute money before taxes to pay for eligible dental and/or vision care expenses. Medical expenses may not be reimbursed from the limited purpose FSA.

Local 26 Members Only

If you enroll or continue coverage in one of the Harvard-sponsored HMO, POS, or PPO plans for 2022, you will receive a $275 contribution to a Health Care FSA to help pay for eligible out-of-pocket medical, dental, and vision care expenses for yourself and your eligible dependent(s). You must elect the FSA during the Open Enrollment period in order to receive Harvard’s tax-free contribution, even if you do not wish to make your own contributions. Simply make an election of $0.

Health Savings Account (HSA)

Available to those who are enrolled in the High Deductible Health Plan (HDHP), the HSA lets you save money before taxes to pay for out-of-pocket health care expenses today – or save and invest tax-free for the future. You may enroll or change your contribution amount during Open Enrollment. Learn more about the HSA.

If you currently have an HSA through Harvard, your election will continue for 2022 and you will receive the Harvard contribution to this account. You may elect to change your contribution during Open Enrollment, including increasing your contribution to the new limit. You can also make prospective changes during the plan year.

2022 HSA Limits:
Individual—$3,650 (Includes Harvard’s contribution of $500)
All other coverage levels—$7,300 (Includes Harvard’s contribution of $1,000)

If you’re age 55 or older, you can contribute an additional $1,000.

Harvard Tax-Free Contribution to HSA:
Individual—$500
All other coverage levels—$1,000

Harvard’s 2022 contribution will appear in HSA accounts on January 1, 2022.

Supplemental Life Insurance

Supplemental Life Insurance coverage is available at 1 to 6 times your annual salary, up to a maximum benefit of $2.5 million. If you make a new election or increase your coverage, you will need to complete a Statement of Health, which must be approved by MetLife before new coverage becomes effective.

If you enroll in Supplemental Life Insurance, you and your spouse/domestic partner can access free will preparation and estate resolution/probate services as well as additional services.

Dependent Life Insurance: If you have Supplemental Life Coverage, you may also elect dependent coverage for your spouse/domestic partner and/or dependent children. Coverage for spouses/domestic partners requires a Statement of Health and is available in the following amounts:

$25,000 $75,000
$50,000 $100,000

Coverage of $5,000 or $10,000 for dependent children up to age 26 is available with no Statement of Health, and one monthly payment covers all your eligible children.

Please refer to your 2022 Benefits Open Enrollment Guide for rates. Learn more about life insurance.

Long-Term Disability

Optional LTD insurance protects your financial security if you become unable to work due to illness or injury. If you elect LTD insurance during open enrollment, you must complete an Evidence of Insurability form which must be approved by Lincoln Financial before coverage becomes effective. Please refer to your 2022 Benefits Open Enrollment Guide for premium rates. Learn more about disability coverage.

Legal Plans

MetLife Legal Plans provides a wide range of legal services for you, your spouse/domestic partner and dependents. There are no copayments or claim forms when you use an in-network attorney, or you can use an out-of-network attorney and be reimbursed for covered services. There are some exclusions, see Employee Discounts for more information. Please refer to your 2022 Benefits Open Enrollment Guide for premium rates.

If you want this coverage for 2022, you must enroll during Open Enrollment – this is your only enrollment opportunity. If you elected this benefit for 2021, your coverage will continue for 2022 unless you cancel it during Open Enrollment. This is your only opportunity to cancel coverage for 2022.

Identity Theft Protection

Allstate Identity Protection provides identity and credit monitoring, proactive alerts, and full-service restoration and insurance coverage of up to $1M if your identity is stolen. Coverage is available at individual and family levels. You can learn more at allstateidentityprotection.com or call 800-789-2720; also review FAQs about the coverage. Please refer to your 2022 Benefits Open Enrollment Guide for premium rates. 

If you want this coverage for 2022, you must enroll during Open Enrollment – this is your only enrollment opportunity. If you elected this benefit for 2021, your coverage will continue for 2022 unless you cancel it during Open Enrollment. This is your only opportunity to cancel coverage for 2022.