Printer FriendlyHealth Insurance
Optional Life Insurance - GIC and ORP
LTD - GIC and ORP
Met Auto/Home
Dental/Vision
Worker's Compensation
UMass Lowell provides health insurance to employees, their spouse and dependents under 19 through the Massachusetts Group Insurance Commission. Employees can choose from a range of different insurance plans including indemnity and HMO's.
Insurance benefits are effective on the first of the month following sixty (60) calendar days of employment or two (2) calendar months, whichever is the lesser. Employees are eligible for health care coverage through one of the health plans arranged for by the Commonwealth's Group Insurance Commission --GIC Indemnity, GIC Indemnity Plus or one of several health maintenance organizations. Membership in a health maintenance organization (HMO) requires that you live within that plan's service area.
GIC Coverage for Unmarried Dependents Ages 19-26 Expands
The Commonwealth’s Health Care Reform Act expands GIC coverage for unmarried dependents ages 19-26. If you have a dependent who may be eligible for this coverage, complete and return the Dependent Age 19 or Over application. See the
Dependent Q&A section of the state's website for answers to common questions.
Additional Information is available through the Group Insurance Commission
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GIC Q&A (marriage, divorce, new child, etc.)
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Various GIC Forms (student coverage application, HMO enrollment, etc.)
A Basic Life Insurance program of $5,000 term life and accidental death and dismemberment insurance is provided at a low cost premium to full-time and part-time employees who work at least half-time whose employment contract provides for fringe benefits. Participants in a health insurance plan at the college are automatically covered by this Basic Insurance. In addition, Optional Life Insurance of up to 8 times the annual base salary may be purchased.
Additional Information provided by Group Insurance Commission
All full-time and part-time employees who work at least half-time whose employment contract provides for fringe benefits may purchase long-term disability insurance. The cost varies according to age and current salary. Contact Human Resources for more details.
Additional Information from CNA
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Employees have the option of receiving group discounted automobile and home owners insurance coverage through Metropolitan.
A representative from METPAY is on campus every other Wednesday morning in the HR Office (Dugan Hall - 101).
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Dental coverage is available to employees, their spouse and children in accordance with collective bargaining agreements or the non-unit employees benefit package. Various Health and Welfare Trust Funds were created through these agreements to offer coverage at no premium cost. Eligibility requirements and covered benefits differ by Fund. Contact your respective union or the Human Resources Office on these plans. Additionally, some bargaining units also maintain a vision insurance program.
All full-time and at least 50% part-time employees are eligible to obtain dental insurance. The actual insurance carrier and University contact vary according to your respective collective bargaining agreement.
Please consult the following table for more information:
| Employee Unit | Insurance Provider | University Contact |
| Clerical / Technical | Dental Blue PPO / Dental Blue | Rick Harvey |
| Faculty | MetLife Insurance via McKenzie | Human Resources |
| GEO | TBD | TBD |
| Maintainers | Dental Plan | Mark Bolduc |
| Professional/Administrative | Dental Blue PPO / Dental Blue | Rick Harvey |
| Non-Unit | MetLife Insurance via McKenzie | Human Resources |
| Police | Delta Dental Plan | Melissa Mullen |
Vision is provided to some University employees through arrangements with the respective collective bargaining agreements.
- Faculty and Non-Unit do NOT have vision insurance.
- Police and Maintainers have vision through the NAGE Health & Welfare Trust (information available by calling 1-800-641-0700).
- Professional/Administrative and Clerical/Technical have vision through DavisVision (claim forms available by calling 1-800-999-5431)
All employees of the University are covered by an insurance policy which protects them if they are involved in an accident on the job. Review the claims process and insurance overview.
Additional Information
Massachusetts Department of Industrial AccidentsThe DIA, part of the Commonwealth's Department of Labor and Workforce Development, is responsible for overseeing the workers' compensation system in Massachusetts.
Employees' Guide to Workers' Compensation (pdf)
A guide developed by the Department of Industrial Accidents
Environmental Health and Safety Department
The University office dedicated to employee safety rules and procedures.
The information provided here is merely an overview of a complex system. If you have any specific questions about workers compensation coverage or benefits please contact the Human Resources Office at x3560.