Health Insurance Coverage

Precise details of can be found at

CWRU BenelectPlan


Benelect is a flexible benefits program that offers both you and the university a number of advantages. One of the most important advantages is that Benelect offers you choice. You can choose the type of coverage you want, the number of people you want to cover, or you can choose no coverage.

Since faculty and staff choose only the benefits they need, the university can control fringe benefit costs more effectively. And, by providing choices, Benelect does a better job of meeting the diverse needs of staff and faculty.

Benelect also helps you save taxes. By paying for insurance premiums and putting money into spending accounts on a pre-tax basis, you pay less in Social Security, federal and state income taxes. Using your pre-tax dollars to pay for your benefits and/or spending account deposits will not affect coverage for pay-related benefits such as personal life insurance, LTD coverage, or retirement plan contributions. Those benefits will continue to be calculated from your gross pay.

Qualifying Members

For some Benelect benefits, coverage is available not just for you, but for qualifying family members as well. Qualifying family members are:

  • Your spouse or equivalent (domestic partner),
  • Unmarried children under age 19,
  • Unmarried, full-time students until they reach age 23, and/or
  • Unmarried children of any age if they are mentally or physically incapable of supporting themselves.

Proof of dependency is required for family members. Proof of domestic partnership through notarized affidavit is required for spousal equivalent . Detailed information can be obtained from Benefits Administration.

Coverage Choices

The Benelect plans include medical, dental vision Life insurance, disability, medical spending accounts, and additional after-tax coverage and care plans such as long-term care and dependent life insurance.
Visit the Office of Human Resources for full details and to enroll.