Gallagher Benefit Services is pleased to offer the Northwestern University Non-Employee Benefit Program (Paid Direct).
This comprehensive program is comprised of the following plans and insurance carriers:
- Medical: Aetna HMO or PPO
- Dental: Guardian HMO or PPO
- Vision: EyeMed PPO
- Life and AD&D: The Standard (automatic enrollment)
- Voluntary Life: The Standard
- Long-Term Disability: The Standard
As a newly non-employee postdoc, you have 31 days from your appointment start date to enroll yourself and your eligible dependents.
The major family member eligibility categories are the following:
- Spouse or Civil Union Partner
- Children (including legally adopted children)
Your eligible family members must be enrolled with the same coverage start date as you, which is the date of appointment. However, you may enroll eligible family members at a later time due to a qualifying event as listed in the section below.
Failure to enroll yourself, or enroll your dependents, within this time frame could result in a significantly delay in access to coverage, or the inability to enroll yourself and/ or your dependents until the next Open Enrollment period.
CURRENTLY ENROLLED? NON-EMPLOYEE POSTDOCS NEEDING TO ENROLL A DEPENDENT (QUALIFYING EVENTS):
If you are currently enrolled, you may be able to enroll a newly eligible family member(s) if you experience one of the following qualifying life events:
- Legal Separation
- Birth of Child
Information for J-1 and J-2 Visa Holders
All Non-employee Postdoctoral Scholars and their dependents are automatically covered for medical evacuation and repatriation benefits necessary to satisfy the J Visa Program. It is not necessary to purchase supplemental insurance to satisfy the J-1 and J-2 Visa requirements. The Standard Life Insurance program will offer both J-1 and J-2 visa holders the required insurance coverage of:
- Medical Evacuation: $50,000 USD
- Repatriation of Remains: $25,000 USD