Other Benefits

Regular full-time and part-time employees are eligible to participate in the Plan. Employees scheduled to work nine months or more are eligible to participate year-round; employees scheduled to work less than nine months per year are eligible to participate only when they are working. 

If you elect coverage as new hire, coverage begins on the first day of the month on or after your date of employment. You need to enroll during your initial new hire enrollment period, during a mid-year qualifying event where you lost Legal Services Coverage or during an annual Open Enrollment period. If you enroll during an Open Enrollment period, your coverage will be effective on January 1 of the upcoming year. 

The available benefits are very comprehensive, but there are limitations and other conditions that must be met.

• Advice and Consultation
• Consumer Protection
• Debt Matters
• Civil Lawsuit Defense
• Document Preparation
• Family Law
• Immigration
• Personal Injury
• Real Estate 
• Traffic and Criminal Matters
• Will and Estate 

**See Exclusions for details regarding matters not covered by MetLife Legal. 

You must call MetLife Legal Plans, as described below, prior to contacting any attorney. Plan benefits will be denied if you do not call first.

To begin, call MetLife Legal Plans' Client Service Center at 800-821-6400 between Monday - Friday, 8am – 7pm; Eastern Time.

You will need to identify yourself as a participant in the Plan and to give the last four digits of your Social Security Number and Zip Code. If your spouse/partner or a child is calling, they will need this information to provide to the representative. 

During the call, the Client Service representative will:

• verify your eligibility for services;
• make an initial determination of whether and to what extent your case is covered (the Plan Attorney will make the final determination of coverage)
• provide you a Case Number (you will need a new Case Number for each new case you have);
• give you the telephone number of the Plan Attorney most convenient to you; and
• answer any questions you have about the Plan.

Contact the Plan Attorney provided by MetLife and identify yourself as a legal plan member referred to them by MetLife Legal Plans to request an appointment for a consultation.

Be prepared to give them your Case Number, the name of the legal plan (Hyatt Legal Services) and the type of legal matter you are calling about.

If you wish, you may choose an out-of-network attorney. In a few areas, where there are no Participating Law Firms, you will be asked to select your own attorney. In these circumstances, you must call MetLife Legal Plans, as described above, prior to contacting any attorney. MetLife Legal Plans will reimburse you for these non-Plan attorneys' fees based on a set fee schedule.

Reminder - Plan benefits will be denied if you do not call first!

Website: MetLife Legal Plan (access code: 570005)

Phone: 800-821-6400/V or 800-821-5995/TTY

Regular full-time and part-time employees are eligible to participate in the Plan. Employees scheduled to work nine months or more are eligible to participate year-round; employees scheduled to work less than nine months per year are eligible to participate only when they are working. 

You also may obtain coverage for your spouse or domestic partner and/or eligible children. Children eligibility is as follows:

• The child of the employee or the employee’s spouse or domestic partner who is under age 26. This includes a foster child (under age 18) who has been placed with the employee or any other child who is under age 26, and for whom the employee is the legal guardian or custodian, resides in the employee’s home, claimed as a tax dependent on the employee’s federal income tax return.

Note: If you have an eligible dependent who is also an RIT employee, they may be covered either as an employee or as a dependent, but not both.

If you elect coverage, it can begin on the first day of the month on or after your date of employment. You need to enroll during your initial new hire enrollment period, during a mid-year qualifying event where you lost ID Theft Coverage or during an annual Open Enrollment period.

Employees can elect Identity Theft coverage during their new hire enrollment or during an annual Open Enrollment period.

Once the enrollment has been processed, an email will be sent from ID Theft to the email address provided for the employee as well as their covered adult family members. Additional personal information needs to be provided directly to ID Theft in order to provide full theft protection. 

Prevention 

• Fraud Monitoring
• Online Protection Tools
• Identity Threat Alerts
• Fraud Alert Reminders

Detection 

• Identity Monitoring
• Identity Health Score
• DeleteNow
• Change of Address Monitoring
• Court Record Monitoring
• Sex Offender Report & Monitoring 
• Pay Day Loan Monitoring
• Medical ID Fraud Protection
• Junk Mail Opt-Out

 Restoration

• Lost Wallet Assistance 
• Identity Restoration Specialists
• $1 Million Identity Theft Insurance

Credit

• Free annual credit report 

ChildWatch (Available for children under the age of 18 with the purchase of an employee policy.)

• Identity Monitoring
• Fraud Monitoring
• Identity Restoration Specialists
• $1 Million Identity Theft Insurance

Website: Identity Force

Phone: 877-694-3367

All employees are eligible for this program. New York's 529 College Savings Program Direct Plan provides a flexible, convenient, and low-cost way to save for college. The Program features a wide range of investment choices, tax-free withdrawals when used for qualified higher education expenses, and contributions that are tax-deductible (up to certain limits) for New York State residents.

Highlights of New York's 529 College Savings Program Direct Plan:

•  Payment from a Tuition Savings Account can be made to accredited schools anywhere in the country.
  • Pay for qualified higher education expenses, including tuition, fees, supplies, room and board, books, and equipment required for enrollment or attendance at an accredited undergraduate, graduate, or professional institution of higher education, or at an approved business, trade, technical or other occupational school.
• Funds in the account will not be used toward the calculation of New York State financial aid under state-administered financial aid programs. However, federal or institution-based programs may take the amounts in the account into consideration when determining eligibility.
• The first $5,000 invested each year will be excluded from New York State income -- and none of the investment earnings will be taxed by the State -- as long as the money is used for qualified higher education expenses at any accredited college in the United States. The earnings component of a qualified withdrawal will also be exempt from federal tax
• You can open and manage your account online and choose to receive account statements and transaction confirmations online through www.nysaves.org.

See this summary for more details.

Customer Service Contact 

NY College Savings Plan

877-697-2837/V

All RIT employees have the opportunity to save money by purchasing U.S. Savings Bonds using TreasuryDirect®, a 21st century voluntary option for payroll savings, using a simple payroll direct deposit that is just like any other direct deposit. In addition to the EE Series Bond and I Bond, you can also purchase Treasury bills, notes, and inflation-protected securities (TIPS) through payroll contributions.

Why Invest in Savings Bonds?

• Competitive - U.S. Savings Bonds offer competitive rates that compare favorably with other forms of saving. Interest accrues monthly and compounds semiannually.
• Convenient - Buy bonds online through TreasuryDirect or where you work or bank.
• Safe - The United States backs savings bonds with its full faith and credit. Your paper bonds are registered, so Treasury can replace them if they're lost, mutilated, or stolen. Bonds bought electronically through TreasuryDirect are safely maintained in your account with the U.S. Treasury.
• Accessible - Need your money quickly? It's right there for you, although the longer you let your bonds grow, the more you benefit. Still, you can redeem them anytime after 12 months.
• Tax Benefits - Interest is exempt from state and local income taxes. Federal income tax is deferred until your bonds mature or you redeem them, whichever is first. Using savings bonds to pay for some education expenses may offer additional federal tax benefits if all conditions are met.
• Affordable - Save with as little as $25 or as much as $5,000 of each series (EE and I) each year.

Why Should I Choose TreasuryDirect? 

TreasuryDirect is an easy way for you to save on a regular basis by purchasing electronic Treasury securities.

With TreasuryDirect:

• You can buy, manage, and redeem Treasury securities online 24/7 wherever you have secure Internet access.
• You can diversify your holdings since TreasuryDirect also offers Treasury bills, notes, bonds, and Treasury Inflation-Protected Securities (TIPS).
• You can establish multiple registrations in one account.
• You can schedule recurring purchases of savings bonds for up to five years in advance. Marketable securities purchases can also be scheduled in advance. If you're interested in this option, you'll find more information on our website, www.treasurydirect.gov and in your TreasuryDirect account.
• Savings bonds purchased through TreasuryDirect are generally added to your account in just one business day.
• When the funds are needed, after the minimum term of ownership has been reached, you can cash part or all of a savings bond or savings bonds. The payment will be deposited to the checking or savings account you choose. Redemption funds should reach your bank or credit union in one business day.
• TreasuryDirect tracks details such as issue date and current value for you.
• Since the savings bonds are electronic, there is no paper to lose, nor do you need to go to your local bank to redeem them.
• You can even set up accounts for minor children, as well as custom accounts for specific purposes such as a vacation, within your TreasuryDirect account.
• TreasuryDirect provides a summary of account activity, including recent purchases, payments, and account balance.

Using the payroll option in TreasuryDirect is simple

• You open a TreasuryDirect account;
• You set up a direct deposit online using Employee Self-Service
• Your direct deposit is used to purchase a Zero-Percent Certificate of Indebtedness (C of I), which does not earn any interest, but is used as a source of funds to purchase savings bonds (or other security) within your TreasuryDirect account.
• You may buy a savings bond after accumulating a minimum of $25 (both EE and I bonds are purchased at face value, which means you pay $50 for a $50 bond) or a marketable security after accumulating a minimum of $100 in the C of I or by scheduling a purchase in advance. The security is then posted to your TreasuryDirect account.

Customer Service Contact 

800-487-2663/v

As required by law, RIT matches the employee's FICA tax contributions. There are two components of the FICA tax: 1) Social Security, and 2) Medicare. The employee and RIT contributions for Social Security provide retirement, disability and dependent benefits. The employee and RIT contributions for Medicare fund Medicare Part A. The employee Social Security and Medicare deductions are made automatically each pay period and are combined with RIT's contributions and forwarded to the Federal Government for these programs.

Employees who terminate may be eligible for unemployment insurance benefits from their state of residence. Employees should check with their state Department of Labor, Unemployment Insurance Division, to investigate possible eligibility.

The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to:

• Twelve workweeks of leave in a 12-month period for:
  • the birth of a child and to care for the newborn child within one year of birth;
  • the placement with the employee of a child for adoption or foster care and to care for the newly placed child within one year of placement;
  • to care for the employee’s spouse, child, or parent who has a serious health condition;
  • a serious health condition that makes the employee unable to perform the essential functions of his or her job;
  • any qualifying exigency arising out of the fact that the employee’s spouse, son, daughter, or parent is a covered military member on “covered active duty;” or
• Twenty-six work weeks of leave during a single 12-month period to care for a covered servicemember with a serious injury or illness if the eligible employee is the servicemember’s spouse, son, daughter, parent, or next of kin (military caregiver leave).

FMLA will run concurrently with any other leave program an employee is eligible for benefits under. For more information regarding FMLA, see the Family Medical Leave Act (FMLA) page.