The benefit plans described here are available to full-time employee of Westminster College and only cover the major points of each plan or policy.

For more information about your plan, network, and deductibles, or to find a provider, log in to When searching for a provider, select the Open Access Plus Plan.

Benefits Summaries

See this Health Benefits Cost Overview for a cost-breakdown of the health care benefits.

Westminster College offers benefit coverage to faculty with at least a 9 month contract and to staff scheduled to work 30 hours or more a week, and their eligible dependents.

The New Hire Benefits Waiting Period is the first of month following date of hire for benefits-eligible faculty and staff. If the date of hire is the first day of the month, benefits will be effective that day.

The details of these plans and policies are contained in the official plan and policy documents, including some insurance contracts. If there is ever a question about one of the plans or policies, or if there is a conflict between the information on this site and the formal language of the plan or policy documents, the formal language in the plan or policy documents will govern. The benefits described here may be changed at any time and do not represent a contractual obligation on the part of Westminster College.

You can change your benefit choices from year to year during annual Open Enrollment or if you have a qualifying life event. Some of these events include:

  • The birth or adoption of a child

  • The death of a dependent

  • Marriage, divorce, annulment or legal separation

  • The loss or gain of other coverage, and

  • A significant change in premiums or coverage of another plan

You can make changes to your benefits online through Cigna. If you know you have an upcoming Life Event or questions about eligibility, please contact Human Resources immediately. It is important to address these changes as soon as possible, as benefit choices must be changed within a  30 day window after the qualifying life event. Supporting documentation may be required.

Westminster College offers two medical plans to faculty with at least a 9 month contract and to staff scheduled to work 30 hours or more a week, and to their eligible dependents. Offering these two plans allows you to choose the level of coverage that best suits your needs. Both medical plans cover preventive services at 100%. Both also include one standard vision exam per year.

  1. OAPIN 500 Plan services must be obtained in the Cigna network, except in the event of an emergency. This plan has a higher deductible ($500), but lower monthly premiums.

  2. OAP 250 Plan services may be obtained in the Cigna network for the lowest out-of-pocket costs. Out-of-network costs are covered at 60% after the out-of-network deductible is met. This plan has a lower deductible ($250), but higher monthly premiums.

Complete information about the medical plans is available in the documents below:

Westminster College offers two dental plans: 

  1. DPPO 
    • Twice a year cleanings, exams and x-rays covered at 100% in-network 
    • A maximum annual benefit of $1,250 
    • Orthodontic services with a lifetime maximum of $1,000.
  2. DHMO 
    • Twice a year cleanings, exams and x-rays covered at 100% 
    • Pay a fixed co-pay for each procedure; no annual maximums and no deductibles

Complete information about the dental plan:

The Cigna vision insurance plan includes:

  • A standard eye exam with a $10 copay once every 12 months
  • Contact lenses allowance up to $110 once every 12 months
  • Lenses covered at 100% once every 12 months
  • Frames allowance up to $100 every 24 months

Complete information about the vision plan:

A Flexible Spending Account is an account you contribute to that you can then use to pay for certain out-of-pocket care costs.Westminster College offers two types of Flexible Spending Accounts (FSAs) to individuals enrolled in the OAPIN 500 and OAP 250 medical plans. You can choose to contribute to an FSA during your enrollment period, and every year during Open Enrollment in July.

  1. Health Flexible Spending Account Health FSA funds are used to pay for certain medical, dental or vision expenses, including copayments and deductibles. See a list of generally permitted medical and dental expenses.These accounts are designed to reimburse eligible expenses with money set aside from your earnings that is not subject to federal income or Social Security taxes. The maximum annual election is $2,600 for the 2017-2018 plan year and you are able to rollover between $40 and $500 of unused funds from the current plan year into the subsequent plan year. Any amount under $40 or over $500 will be forfeited.
  2. Dependent Care Flexible Spending Account Dependent FSA funds are used to reimburse yourself for dependent care expenses that allow you and your spouse to work, look for work, or attend classes. The maximum you can contribute to a Dependent Care FSA is $5,000 per year for a married couple filing taxes jointly or a single head of household; or $2,500 each for a married couple filing separate tax returns. Your contributions will be deducted from your paycheck on a pretax basis throughout the year and credited to your account on a monthly basis. Unused funds do not rollover to the subsequent plan year.

You must re-enroll in the Flexible Spending Accounts each year during Open Enrollment to continue participation.

Filing an FSA Claim

You can be reimbursed for expenses with service dates from July 1 through June 30 while actively making contributions to the plan. Plan year claims can be submitted up until September 30 for the previous plan year ending on June 30.

  1. Log in and submit claims directly on Use this form for Health FSA reimbursement - Use this form for Dependent Care reimbursement
  2. Attach the appropriate documentation including: an explanation of benefits (EOB), receipt, invoice, etc.
  3. Health FSA participants may be reimbursed up to the full annual election amount, regardless of the amount contributed to the account. Dependent FSA participantsmay only be reimbursed up to the amount in the account.

For more information about the Flexible Spending Account benefits:

Westminster College provides Basic Life and Accidental Death & Dismemberment insurance equal to 2.5 times your annual salary (to a maximum of $500,000) at no cost to faculty with at least a 9 month contract and to staff scheduled to work at least 30 hours a week.

Even though this benefit is automatic, you need to designate a beneficiary in the event of your death. Complete the beneficiary designation section when you enroll in benefits at For more information see the Basic Life and Supplemental Insurance Summary.

Supplemental Insurance

You may purchase additional term life insurance for you and your dependents. If purchased, these premiums are paid by you through payroll deduction, and are based on your age and whether or not you smoke.

  • Employee Supplemental Life Insurance* You may purchase up to 7 times your annual salary or $700,000, whichever is less in supplemental life insurance coverage.
  • Spouse Supplemental Life Insurance* You may purchase up to $250,000 in supplemental life insurance coverage for your spouse. Spouse supplemental coverage may not to exceed 50% of an employee's approved supplemental coverage.
  • Child Supplemental Life and AD&D Insurance You may purchase up to $10,000 in Child Supplemental Life and AD&D coverage that will apply to all eligible dependents.
  • Employee Supplemental AD&D Insurance* You may purchase up to $700,000 in supplemental AD&D coverage.

More information about life insurance:

Cigna offers a range of support services including:

  • Legal consultation
  • Parenting advice
  • Senior care advice
  • Help finding child care
  • Help finding pet care
  • Financial services and referrals

More information

Westminster College's Long Term Disability plan will pay up to 60% of your pre-disability salary (to a maximum of $7,500/month) after 6 months of eligible disability for faculty and after 3 months of eligible disability for staff.

This benefit may continue, if your eligible disability continues, until you recover or reach retirement age, whichever comes first.

The premiums for this benefit are paid in full by Westminster College. You are automatically enrolled if you are an eligible employee who has satisfied the new hire waiting period.

The purpose of the Westminster College retirement plan is to provide faculty and staff with the opportunity to accumulate a source of retirement income in addition to income from Social Security and personal savings. The money you contribute to the retirement plan belongs to you and is immediately vested. Westminster College partners with Transamerica to provide the retirement benefit.

Westminster College contributes to a retirement plan for employees scheduled to work 1,000+ hours per year. The plan includes a base contribution, as well as a matching incentive.

Employee ContributionCollege Matching ContributionTotal Contribution

Effective August 1, 2017, the group plans allow withdrawals at age 59 ½ for all contribution types. This means employees who are at least 59 ½ years old can withdrawal while still employed with no penalty, as long as the funds transfer to another qualified retirement plan like an IRA. This may be a good option for you if you are very close to retirement. This provision is available ongoing through Transamerica. Contact Zac Huish at with questions or to get additional information.

Monthly Retirement 1:1

Once a month, a retirement plan advisor will be on campus and available for one-on-one meetings to assist with: 

  • Accessing your account 
  • Updating your beneficiary information 
  • Making any account changes 

Sign up for a 1:1 retirement plan meeting.

Participant Notices

Dependents of faculty with at least a 9 month contract and staff that are scheduled to work at least 30 hours a week and employed for at least a year, are eligible for the tuition exchange benefit. Tuition exchange allows eligible dependents to attend a variety of colleges and universities nationwide for up to 8 academic semesters at a tuition rate set by the institution the student would attend. There is annual cap set by Tuition Exchange and each college or university may award Tuition Exchange up to the cap. In addition to Tuition Exchange, a similar exchange is offered through Council of Independent Colleges and Presbyterian Association of Colleges also. The term Tuition Exchange includes colleges that are part of the Tuition Exchange organization, CIC and Presbyterian Colleges.

To take advantage of the Tuition Exchange Benefit:

  1. Review the Tuition Exchange Policy
  2. Follow the regular application process for the exchange college or university, and fill out a Tuition Exchange Request Form.
  3. Once an eligible dependent is accepted to the desired college or university and the Tuition Exchange Request Form is completed, please submit it to the Financial Aid office by the October 1 priority deadline.

This process is extremely competitive and selective in nature.

If you have questions about the Tuition Exchange program, contact the Financial Aid Office at or 801.832.2500.

Full-time employees are eligible for the tuition remission benefit, which allows you and your eligible dependents to enroll in classes for little to no cost.

To take advantage of the Tuition Remission Benefit:

  1. Review the Tuition Remission Benefit
  2. Follow the regular application process for the College and then fill out a Tuition Remission Form
  3. Once you or your eligible dependent is accepted to your desired program of study and the Tuition Remission Form is completed with a class schedule and necessary signatures, please submit it to the Financial Aid office
  4. A completed Statement of Dependent Status for Tuition Remission Benefit form is also required when submitting a Tuition Remission Form

If you would like to be able to see your dependent's grades, please fill out this Information Release Form and submit it to the Registrar's Office

Policy and Forms

If you have questions about the Tuition Exchange program, contact the Financial Aid Office at or 801.832.2500.

Required Notices

As your employer, Westminster College is required to post the following notices about the benefits plan.