Benefits Overview

The university recognizes the importance of maintaining a comprehensive benefit program. The following is an overview of what we offer our employees. The particular plans available to individual members will vary depending upon one's employment status.

Employee Health Benefits

Medical Plans

• Health Maintenance Organizations (HMO) Health Maintenance Organization plans administered by Aetna and Horizon
• Preferred Provider Organization (PPO) Preferred provider organization plans administered by Aetna and Horizon
• Tiered Network (TN) Tiered network plans administered by Aetna and Horizon
• High Deductible Health Plans (HDHP) Preferred provider organization plans administered by Aetna and Horizon 

Prescription Drug Plan

Allows participants to obtain prescriptions at participating retail pharmacies for modest co-payments. A mail order service is also available for participants who require maintenance medications.

Dental Plans

• Dental Expense Plan (PPO)
  A traditional indemnity plan, administered by Aetna, allows members to obtain services from any licensed dentist
• Dental Plan Organizations (DPOs)
  Individual plans that offer services only through networks of participating dentists

Section 125 Program

• Premium Option Plan (POP)
  Medical and dental premiums paid with before-tax dollars
• Unreimbursed Medical Spending Account
  Participants set aside before-tax dollars for eligible health care expenses
• Unreimbursed Dependent Care Spending Account
  Participants may set aside before-tax dollars for eligible child and dependent care expenses

Retirement Plans

• Public Employees’ Retirement System (PERS)
  A defined benefit pension plan in which retirement benefits are based on a formula and guaranteed by the state
• Alternate Benefit Program (ABP)
  A defined contribution plan in which retirement benefits are based on investment returns 

Optional Tax Deferral Plans

Plans are available to help employees defer federal taxes now and save for retirement; Rutgers offers both 403(b) and 457 plans that provide a variety of investment options.

Other Benefits Available to Faculty and Staff

• Commuter Tax$ave
  Allows employees to set aside before-tax dollars to pay for eligible mass transit expenses.
• Faculty and Staff Assistance Program
  Free confidential counseling service available to employees and their family members.
• Family and Medical Leave
  Employees may receive 12 weeks of unpaid leave in any 12- or 24-month period for serious health condition or care for certain family members.
• Identity Theft Assistance
  Employees receive free identity theft assistance and guidance.
• Additional Benefits and Services 
  • Non-State Benefits for Employees in Rutgers Positions
  • Non-State Benefits for Employees in Legacy UMDNJ Positions
  • Workplace banking
  • Employee discounts
  • Concerts, lectures, and exhibits
  • Athletic events at reduced prices

Note: The purpose of this information is to provide prospective employees with general information about benefits programs available to employees of Rutgers University. As a result, precise interpretations of policy should not be made from this webpage.