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Benefits

At Lifespan Corporate Services, employees not only find rewarding careers but also have the opportunity to participate in our extremely affordable and generous benefit program.

Regular employees scheduled to work 20 or more hours per week are eligible to participate in the following benefit programs:

For most benefits, employees are eligible to participate as of the first of the month following their date of hire. Others may require a short waiting period or require approval prior to coverage.

The cost of benefits in most cases is shared between the employee and Lifespan Corporate Services. The employee's share of the cost is determined by full-time or part-time employment status, the coverage options chosen and the number of dependents insured for medical, dental and/or legal coverage. Premiums are payroll-deducted either pre- or post-tax (depending on the type of benefit).

Benefit Choices

Medical Insurance

Medical Insurance Coverage Options:

  • Lifespan Health (Blue Cross and Blue Shield of RI )
    When you use a participating provider, there is no deductible, but co-payments apply to certain services. If you choose a non-participating provider, most services are covered at 80 percent of reasonable and customary charges after an annual deductible. Prescriptions are covered in full after a $7 co-payment for generic, $25 for preferred brand and $40 for non-preferred brand, for up to a one-month supply, at participating pharmacies. Mail-order maintenance prescriptions will require a single co-payment of $10.50 for generic, $25 for preferred brands and $60 for non-preferred brands for up to a three-month supply.
  • No Coverage
    If you have other medical coverage and choose no medical coverage through Lifespan, you can receive taxable cash in lieu of benefits in your paycheck throughout the course of the year. Full-time eligible employees may receive up to $1,000 annually to waive medical insurance. Part-time eligible employees may receive up to $500 annually to waive medical insurance.

Coverage for You and Your Dependents

When you enroll in medical coverage, you can choose coverage based on the number of dependents you are eligible to cover.

  • Individual (for you only)
  • Dual (for you and one dependent)
  • Family (from you and two or more dependents)

You can cover the following dependents for medical coverage:

  • Your spouse
  • Your unmarried dependent children through the calendar year in which they turn 19 (or 23 if they are full-time students). For all health programs, if full-time student status ends, coverage will terminate at the end of the month in which they cease to qualify as a full-time student.
  • Adult children between the ages of 19 and 26 are covered until the first day of the month, following their 26th birthday.
  • Your disabled dependent children over age 19 who meet plan eligibility requirements
  • Your same-sex domestic partner, civil union partner or common-law spouse

Appropriate dependent verification documentation must be provided prior to dependent(s) coverage taking effect. 

Dental Insurance

Lifespan Corporate Services offers two dental plans which cover a variety of services, including preventive care and basic services.

Dental Insurance Coverage Options:

  • DeltaUSA Plan A
     Provides 100 percent coverage for preventive and diagnostic services. Provides 80 percent coverage for minor and major restorative services and 50 percent coverage for periodontics.
  • DeltaUSA Plan B
    Provides 100 percent coverage for preventive and diagnostic services as well as minor and major restorative services. Provides 50 percent coverage for periodontics, prosthodontics and orthodontia (for dependent children only/$1,200 lifetime maximum).
  • No Coverage
     If you choose no dental coverage, you can receive taxable cash in lieu of benefits in your paycheck throughout the course of the year. Full-time eligible employees receive $100 annually to waive dental coverage. Part-time eligible employees receive $50 annually to waive dental coverage.

Coverage for You and Your Dependents

When you enroll in dental coverage, you can choose coverage based on the number of dependents you are eligible to cover.

  • Individual (for you only)
  • Dual (for you and one dependent)
  • Family (for you and two or more dependents)

You can cover the following dependents for medical and dental coverage:

  • Your spouse
  • Your unmarried dependent children through the calendar year in which they turn 19 (or 23 if they are full-time students). For all dental programs, if full-time student status ends, coverage will terminate at the end of the month in which they cease to qualify as a full time student.
  • Your disabled dependent children over age 19 who meet plan eligibility requirements
  • Your same sex domestic partner, civil union partner or common-law spouse

Appropriate dependent verification documentation must be provided prior to dependent(s) coverage taking effect.

Long-Term Disability Insurance

The long-term disability plan replaces a percentage of your income if you become disabled due to an illness or injury and you're unable to work for more than 180 days. Employees are automatically enrolled into the long-term disability program at 60 percent of benefit base salary to $6,000/month at no cost to the employee.

Employee Life Insurance and AD&D Insurance

If you should die or become seriously injured in an accident while you're employed at Lifespan Corporate Services, life and accidental death and dismemberment insurance could provide you and your family with an important financial "safety net."

Employees are automatically enrolled at two times annual benefit base salary at no cost to the employee.

Your supplemental insurance options are based on your annual base pay as follows:

  • 3 x annual Benefit base salary (includes 2 x basic coverage provided by Lifespan)
  • 4 x annual Benefit base salary (includes 2 x basic coverage provided by Lifespan)
  • 5 x annual Benefit base salary (includes 2 x basic coverage provided by Lifespan)
  • No supplemental coverage

For those employees who take supplemental coverage, free will preparation services are available.

Retirement Program

Lifespan's retirement program has been designed as a partnership between you and Lifespan to help you plan ahead for your future. Lifespan will work with you, contributing and investing funds for your retirement, to help you reach your retirement income goals. The retirement program has three components:

  • Choice Core Account
    Lifespan provides an annual core contribution of 2 percent to 6 percent of annual pay based on years of credited service. You become eligible to participate on the first day of the month after you complete one year of service and have reached age 18. You receive a contribution for each calendar year in which you are credited with at least 1,000 hours of service.
  • Vesting
    Your own contributions to your account, plus investment earnings, are immediately vested. Lifespan's core and matching contributions are fully vested after you have completed three years of credited service.
  • Supplemental Tax-Sheltered Annuity Account
    This program enables you to reduce pre-tax earnings and invest your pre-tax dollars in TIAA-CREF. You can choose from 10 investment funds. Lifespan does not match these contributions. The interest on your contributions accumulates on a tax-deferred basis.

Paid Time Off

Earned Time Program

Lifespan Corporate Services recognizes your need for flexibility in using accrued paid time off for absences from work due to vacation, personal or family illness, or just for a personal day off. The earned time program allows you flexibility in scheduling time off. Earned time combines paid time-off benefits including vacation, sick time and personal days into one bank of earned time. Earned time is flexible, allowing you to choose how your paid time off benefits are used. Designated holidays, such as New Year's Day, Christmas etc., are not part of earned time.

Eligible employees begin to accrue earned time with their first paid hour of employment. The amount of earned time that an employee is eligible to accrue is dependent on job category, length of service and the regular hours of the position. Employees who have successfully completed 90 days of employment may take accrued earned time with their supervisor's approval.

Holidays

Lifespan Corporate Services observes the following holidays:

  • New Year's Day
  • Presidents' Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Thanksgiving Day
  • Christmas Day

You must be regularly scheduled to work at least 20 hours per week to be eligible for paid holidays. Part-time employees receive pro-rated holiday time based on standard work hours. If you work on the holidays listed above, you will be paid a holiday premium in addition to your regular pay. You may be given time off to observe personal religious holidays by taking earned time.

Work/Life Benefits, Resources and Programs

Lifespan's Work/Life Initiative can help you get more out of both. We are working to make sure that all employees feel welcome at Lifespan and have the resources necessary to be successful in their jobs. We also recognize that our employees' personal lives play an important role in Lifespan's culture and success and we are committed to providing the support needed to balance work and life.

Workplace Flexibility

Lifespan values its employees and supports each department manager's decision to offer flexible work arrangements to his/her employees, provided they are able to continue to provide the highest quality patient care and/or the highest quality customer service and fulfill the missions of the department and Lifespan.

Health and Wellness

  • Employee Health Promotion Programs
    Lifespan Corporate Services offers employees a variety of health promotion programs, provided from time to time by the health promotion department. These include:
    • Weight management
      • On-site discounted Weight Watcher's programs
      • On-site yoga classes
      • Running and walking clubs
    • Discounted fitness club memberships
    • Smoking cessation
    • Stress management
    • Headache management
    • Wellness profile
    • Healthwise Handbook

    Lifespan was honored with a Superior award at a recent worksite health award meeting. The Greater Providence Chamber of Commerce and the Good Health Benefit annually honor local companies that encourage their employees to lead healthy lifestyles and demonstrate a commitment to their employees' well-being.

  • Employee Health Services
    Lifespan Corporate Services offers employees a variety of services provided by the employee health department, such as:
    • Treatment of work-related injuries/illnesses
    • First aid for a variety of injuries
    • Pre-placement screening exams
    • Treatment of minor illnesses (earaches, colds, sore throats)
    • Immunizations
    • Blood pressure screenings
  • Employee Assistance Program
    A free, confidential service available as a benefit to all employees and their family members who need information, or assessment and referral to counseling or other resources. In addition they offer a resource and referral program for child care, elder care and legal and financial services.
  • Lactation Support Program
    Lifespan is dedicated to fostering healthy babies and families, and is proud to offer parents additional support through our Workplace Lactation Program. Lifespan Corporate Services has been recognized by the Department of Health as a Breastfeeding-Friendly Workplace, winning the 2007 Silver Award.
  • Employee Discount Programs
    Lifespan Corporate Services offers a variety of discounts to employees, such as:
    • Showcase Cinema
    • Feinstein IMAX Theater
    • Six Flags New England
    • Pawtucket Red Sox
    • Roger Williams Zoo
    • Providence Bruins
    • AT&T Wireless
    • Cellular One
    • Verizon
    • Canobie Lake Park
  • Workplace Conveniences
    • Free parking
    • Non-smoking environment
    • Direct deposit into any bank
    • CollegeBoundFund
    • Paid/unpaid leaves of absence
    • Employee recognition programs
    • Free notary public services
    • Payroll deduction for U.S. Savings Bonds
    • On-site ATM
    • On-site dry cleaning services
    • On-site café

Child Care, Elder Care & Family Support

  • Resource and Referral Services
    The Employee Assistance Program offers resource and referral services for child care and elder care in addition to its confidential service to employees and their family members that need information, or assessment and referral to counseling or other resources.
  • Near-Site Child Care
    Bright Horizons child care center is located on the campus of Rhode Island Hospital and offers priority placement and discounted tuition fees to employees.
  • Dependent Care Flexible Spending Accounts
    You can contribute, on a pre-tax basis, up to a maximum of $5,000 over the course of the year. You can use the account to reimburse yourself for eligible expenses such as child and elderly day care, day camps, preschool and after-school care.
  • Dependent Life Insurance
    The dependent life insurance plan pays you a benefit to help cover expenses if your spouse or child dies. If you choose coverage for your children, the plan covers all of your eligible children for the same cost.

    Spouse Coverage Options
    • $10,000
    • $25,000
    • $50,000
    • No coverage
    Child Coverage Options
    • $5,000
    • $10,000
    • No coverage
    You can insure the following dependents for dependent life insurance:
    • Your spouse, common law spouse, civil union partner or domestic partner (if not employed by Lifespan)
    • Your unmarried dependent children (if not employed by Lifespan) through the calendar year in which they turn 19 (or 23 if they are full-time students). For all insurance programs, if full-time student status ends, coverage will terminate at the end of the month in which they cease to qualify as a full-time student.
    • $80 Daily Benefit
    • $120 Daily Benefit
    • $160 Daily Benefit
    • $200 Daily Benefit
    • No coverage

  • Long-Term Care Insurance
    Long-term care is not one service, but many different services aimed at helping people who have chronic conditions and are unable to care for themselves. Services may be needed within the home for day-to-day activities or in a nursing home when special attention is needed. Long-term care services are not always covered by major medical plans or are severely limited within Medicare and Medicaid.

    Long-Term Care Coverage Options

    Dependents Who Are Eligible for Coverage

    • Yourself
    • Spouse (applicable to a legal spouse, common-law spouse, civil union partner or same-sex domestic partner)
    • Parents (to age 80)
    • Parents-in-law (to age 80)
    • Grandparents (to age 80)
    • Grandparents-in-law (to age 80)

Work/Life Benefits

  • Education Assistance
     Education assistance is available for undergraduate, graduate and non-degree courses, as well as seminars and on-line correspondence courses meeting at least one of the following criteria:
    • Necessary to fulfill the curriculum requirements for a degree related to the employee's current position or another position within Lifespan. Degree candidates must submit evidence of acceptance into a degree program by an accredited college or university.
    • Necessary to meet the continuing education requirements to attain or maintain a professional license or certification related to the employee's current position or another position within Lifespan. Certification must be awarded by a nationally recognized professional organization.
    • Necessary to meet the continuing education requirements of the position as determined by the department manager if a professional license or certification is not required.

Reimbursement will be provided according to the following schedule:

Education assistance reimbursement will only be made to employees actively employed by Lifespan at the time the documentation of the passing grade or certificate of completion and proof of payment is provided to the Lifespan benefits department. Requests for education assistance reimbursement for employees who are on an approved leave of absence will be made if:

Employees whose standard hours change during the course will be reimbursed based on the standard hours for their position at the conclusion of the course. Employees whose standard hours are involuntarily reduced as a result of a workforce reduction will be reimbursed based on their standard hours at the time of the start of the course. The following costs are not covered: books, supplies, travel, meals, entertainment, late fees, costs not directly related to the course as well as any costs reimbursable under another subsidy type program, such as grants, scholarships, etc.

Final grade requirement for reimbursement: "C" or higher, or "Pass" if on a Pass/Fail grading system, for undergraduate courses. "B-" or higher, if graduate course. Certificate of completion for continuing education course.

  • Relocation Assistance
    Individuals who are offered, accept and begin full-time employment may be eligible for reimbursement towards approved relocation expenses.
  • Computer Purchase Discount Program
    Employees can purchase computers and related products at discounted prices.
  • Legal Services
    With legal services you can help protect your rights in some of life's most frustrating situations. You can protect yourself and your financial security if expensive legal services ever become necessary. Legal services participants are also eligible for financial planning services under the plan.

    Legal services coverage options:
    • Individual (for you only)
    • Dual (for you and one dependent)
    • Family (for you and two or more dependents)
    • No Coverage
    You can cover the following dependents for legal services:
    • Your spouse
    • Your unmarried dependent children through the calendar year in which they turn 19 (or 23 if they are full-time students)
    • Your disabled dependent children over 19 who meet plan eligibility requirements
    • Your same-sex domestic partner, civil union partner or common-law spouse
  • Health Care Flexible Spending Accounts
     Employees can contribute up to a maximum of $3,000 (tax free) over the course of the year to be used as reimbursement toward eligible expenses such as deductibles, co-insurance, and co-payments, as well as other health expenses that are not paid by insurance, such as vision care, eyeglasses and contact lenses.
  • Auto/Home Insurance
    You can save on insurance for automobiles, boats, and home/condo/rentals all through the convenience of payroll deductions. You can also save more with money-saving discounts on anti-theft and safety devices, driver safety courses, etc.
  • HIV Insurance
     HIV Insurance provides you a lump sum payment should you test HIV positive while covered by the plan. The benefit provides 24-hour coverage and is payable in full at the time of the claim. If you elect this coverage, the insurance company will require a confidential, valid, negative test result for HIV. The test must be performed by a representative from the insurance company.

    HIV insurance coverage options:
    • $25,000
    • $50,000
    • $100,000
    • $150,000
    • $250,000
    • No coverage
  • Employee Fund
     Whether it be a fire that has destroyed your home or a serious illness that has stricken your child, your fellow employees want to help. The Employee Fund was created to provide financial assistance when an unexpected catastrophic event has left them with nowhere else to turn. Unlike employee loan programs, money granted through the Employee Fund does not have to be paid back. The fund is managed by a committee of diverse employees who determine whether to grant or deny a request based on established guidelines.
  • Work/Life Lunch and Learn Sessions
    Each Lifespan affiliate offers programs on topics such as College Planning, Caring for Elders, Balancing Work and Family, Advance Directives, How to Talk to Your Children About Risk Taking, Managing the Holidays, Gardening 101, Adoption and Foster Care, and more. The Human Resources office at Lifespan Corporate Services welcomes employees' suggestion on topics for these sessions.

For more information about benefits at Lifespan Corporate Services, please call 401-444-5265.

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