Leaving Tufts and Changes to Your Benefits

Your enrollment in the Tufts-sponsored health, dental, and vision plans, will end at 11:59 p.m. on your last day of employment.

You may choose to continue your health insurance for a time through COBRA.

For more information about your options, call the university's COBRA vendor, EBPA, directly at 888-232-3203.

Retiree health and dental benefits are available to eligible retirees who are age 60 or older with 5 years of eligible service, or if the sum of their age and eligible service equals 75. Retirees hired before 1/1/94 are eligible for a health plan subsidy.

Please visit Considering Retirement for details.

For questions about eligibility please contact Tufts Support Services (TSS).

Your Tufts coverage will end 31 days after your last day of employment. You have the right to convert your policy to an individual plan for 31 days from your last day of employment.

For more information about conversion, call Unum at 800-421-0344.

Your supplemental life insurance coverage will end 31 days after your last day of employment, at which point you have 31 days from your last day of employment to:

• Convert up to the same amount of supplemental life insurance you had at Tufts University to an individual plan.
• Port the lesser of five times your annual salary or $1,000,000.

Exclusions and restrictions apply to conversion and portability. For more information about conversion or portability, call Unum at 800-421-0344.

Your coverage under Unum's Dependent Life Insurance for your spouse or children will end 31 days after your last day of employment.

For more information about conversion or portability for these policies, call Unum at 800-421-0344.

Your coverage under Unum's Accidental Death and Dismemberment Insurance ends on your last day of employment. There is no provision for continued coverage.

Your coverage under Unum's Long Term Disability will end on your last day of employment.

If you are leaving the university, you have the right to convert your plan for 31 days from your last day of employment. If you are retiring, there is no provision to convert.

To be eligible for conversion you must have been insured under the group plan for at least 12 consecutive months. Please see the LTD Description of Benefits for more detailed information relative to conversion provisions.

If you are interested in conversion, call Unum at 800-421-0344.

This will not affect any current long-term disability claim you have pending with Unum. The total current amount of your coverage is based on your previous election of 40% or 60% of your annual base salary.

You may incur expenses for reimbursement from your Health Care and Dependent Care Flexible Spending Accounts (FSAs) up to your last day of employment.

You must submit eligible expenses for reimbursement within the 120-day run-out period following your benefits-termination date in which the expenses were incurred. Salary reduction ends on the day of your last paycheck.

If you are enrolled in the Health Care FSA, you may continue it through COBRA until the end of the current plan year if you have contributed more than you have been reimbursed in the year so far. However, your contributions will be on an after-tax basis.

To continue Health Care FSA coverage under COBRA, call EBPA at 888-232-3203.

Contributions will end in the last paycheck. Any unused balance carries over each year, and these funds  (including university contributions) are yours to keep when you leave the university. For questions about your account or post-tax contributions, please contact HealthEquity at 866-346-5800.

You are 100% vested in the Tufts University-Funded Retirement Plan once you have completed three years of eligible service

Being 100% vested means that you own the funds that have been contributed by Tufts University on your behalf. Earnings in your account(s) will continue until you choose to withdraw/transfer your retirement plan accumulations. You will continue to have online access through NetBenefits to view your statements and change your investments.

Please contact TIAA at 800-842-2733 or Fidelity Investments at 800-343-0860 for information and/or distribution options.

If you are not 100% vested, your account will be forfeited. However, if you become re-employed with Tufts University within 5 years, your account will be reinstated as soon as practicable following your rehire.

Review the Summary Plan Description for more information.

If you were enrolled in the 403(b) plan, your participation ends on your last day working at Tufts University. You are always 100% vested in the 403(b) plan, meaning earnings in your account(s) will continue until you choose to withdraw/transfer your retirement plan accumulations.

You will continue to have online access through NetBenefits to view your statements and change your investments. Please contact TIAA at 800-842-2733 or Fidelity Investments at 800-343-0860 for information and/or distribution options.

If you were enrolled in the MetLife Legal Plans, your coverage ends on your last day of employment. This will not affect any current legal claim that is in process. You have the right to convert this plan for 30 days from your last day of employment. For more information about conversion, please call MetLife at 800-821-6400.

If you or your family members are currently enrolled in a class at Tufts and have been approved for Tuition Remission, this benefit will end on the last day of the current semester. For questions, please contact TSS.

If you have completed paperwork under the Staff Tuition Reimbursement Program and have been approved for this benefit, you will be eligible for reimbursement only if you satisfactorily complete your class requirements before your last day working at Tufts. For questions, please contact TSS.

If enrolled, Farmers will automatically send you information about your options for continuing your coverage. You have the right to convert your plan for 31 days from your last day of employment. If you are interested in continuing your coverage, please call Farmers at 800-438-6381.

If enrolled, Nationwide will automatically send you information about your options for continuing your coverage. You have the right to convert your plan for 30 days from your last day of employment.

If you are interested in continuing your Nationwide coverage, please call Nationwide at 877-738-7874.

If enrolled, commuter benefits end on your last day of employment or for the last time period you have purchased the benefit, whichever is later.

When you leave the university, your contribution to the Parking & Transit Program will be discontinued. You can submit a paper reimbursement request for expenses you incurred before your retirement date.

If you wish to discontinue your commuter benefit before your final day of employment, remember that you must cancel your EBPA enrollment before the 4th of the month so that funds will not be withdrawn from your paycheck for the subsequent month.

If this occurs and you have funds on your EBPA card that you cannot use before your final day at Tufts, you can purchase a Charlie Card or other MBTA pass before or on your last day worked. Please call EBPA directly at 800-258-7298 if you have any questions.

Please call EBPA at 800-258-7298 if you have any questions.