BILH Employee Benefits

Representatives at the BILH Benefits Helpline are here to answer your questions as quickly as possible. Helpline representatives can answer your questions about the benefit plans, where to get more information, how to enroll and more. The BILH Benefits Helpline is available Monday to Friday from 8 am to 6 pm. Call 888-402-1884 or send an email to reach one of their dedicated benefits representatives.

Disability insurance, provided through Unum, is a source of financial protection if you are unable to work due to illness or injury. Short-term disability and long-term disability options are available. To learn more, visit Unum’s website or call 866-679-3054.

Voluntary Short-Term Disability (STD)

STD coverage protects your income in the event of an illness, injury or during maternity leave. The STD plan pays either 60% or 75% of your base pay (weekly base earnings), up to $3,000 per week for up to 26 weeks while you remain unable to work due to a qualifying non-work-related illness or injury. You pay the full cost of STD coverage if elected, which is based on the coverage level and elimination period you select as well as your salary and age:

• 60% coverage, 7-day elimination period
• 60% coverage, 14-day elimination period
• >60% coverage, 30-day elimination period
• 75% coverage, 7-day elimination period

The Massachusetts Paid Family and Medical Leave Act (MAPFML) went into effect on January 1, 2021. You may have questions about how this law impacts your STD benefits. Please review these Frequently Asked Questions for more information about how MAPFML and STD work together. If you have further questions, please contact the Benefits Helpline at 888-402-1884 or by email.

Long-Term Disability (LTD)

If you experience a covered disability, the LTD plan will replace a portion of your salary if you are disabled and out of work for more than 180 days (benefits are generally payable until age 65). There are two different types of LTD:

1. Core LTD: BILH automatically provides eligible employees working 20 or more hours per week with Core LTD coverage equal to 60% of their monthly pay (maximum $10,000 per month). Core LTD is provided at no cost to you.
2. Buy-Up LTD: If you would like additional coverage, the optional LTD Buy-Up provides a total of 66 2/3% of your monthly pay (maximum $15,000 per month).

To learn more, contact Unum:

• By phone at 866-679-3054
• By visiting Unum’s website

The EAP, offered through KGA, provides free, confidential consultations, counseling, and referrals at no cost to you and your adult household members. Contact the EAP for convenient, expert and confidential support. Here are some ways that KGA will be able to help:

• Counseling: In-person, phone, or video sessions for emotional and mental health issues

• Crisis: Immediate intervention for depression, anxiety, substance misuse, etc.
• COVID–19: Practical resources and consultations for the ongoing issues resulting from the pandemic
• Convenience: Referrals for home and community-based services

• Eldercare: Consultations and referrals for eldercare services and caregiver support
• Family & Childcare: Referrals for childcare needs and support for parenting challenges. Access to family/couples counseling

• Financial: Consultations with licensed professionals for debt management, budgeting, identity theft and financial planning
• Legal: Consultations with an attorney and referrals for most legal issues
• Nutrition: Consultations with a registered dietitian on weight management, food allergies, children’s nutrition and other dietary questions
• Stress: Assessment of stress level and techniques/tips for managing stress
• Work & Career: Guidance on navigating current role or exploring new career

This program is available 24/7 to all employees and their adult household members. Contact KGA:

• Online through the KGA website (code BILH)
• By phone at 855-760-BILH (2454)
• Get the app: KGA mobile allows access by phone, text, chat or email when you need assistance. Download KGA mobile free from the App store (iPhone) or Play store (Android).

The Massachusetts Paid Family & Medical Leave Act (MAPFML) provides paid, job-protected family and medical leave benefits to eligible workers in Massachusetts. MAPMFL applies to the following:

• Your own serious health condition
• Bonding with a new child (newborn, recent adoption, or foster care placement)
• Complications resulting from the military deployment of a family member
• Care for a family member with a serious health condition

The Massachusetts Department of Family and Medical Leave (DFML) administers this program and is responsible for calculating and paying benefits to employees. Beginning Jan. 1, 2022, the maximum weekly MAPFML benefit amount increased to $1,084.31.

Resources

The most complete and current detail about MAPFML is available on the Mass.gov website. Find a complete Benefits Guide here. You can also find complete details about eligible leaves here.

Important Notice: Beth Israel Lahey Health FMLA Leave Policies

This notice provides important information about a change to Beth Israel Lahey Health’s (BILH’s) Family and Medical Leave Act (FMLA) leave policies.

Beginning with leaves taken in January 2021, BILH has changed how it determines the availability of leave under the federal FMLA. Prior to January 2021, BILH  determined FMLA leave eligibility using a 12-month “rolling look-back method,” which means the 12-month period measured backward from the date that leave was requested. Each time an employee took FMLA leave, the remaining entitlement would be the balance of the 12 weeks which had not been used during the immediately preceding 12 months. As of January 1, 2021, BILH uses a different calculation in order to better align with requirements under the Commonwealth of Massachusetts for leave under the state’s MAPFML. Specifically, BILH measures the 52-week period looking forward from the Sunday immediately preceding the date the employee first takes FMLA leave. If you have any questions, please contact the BILH Benefits Helpline at 1-888-402-1884 or by email.

During these challenging times, it’s never been more important to take care of your physical and emotional well-being. BILH is committed to ensuring you have a wide range of tools and resources to guide you and your family on your path to well-being. There are a variety of resources available at no cost to you. Visit the Wellness page on Benefits Central to learn more.

We understand that some BILH organizations may have additional resources available to staff, from peer support tools to leader-specific resources. Please click on the link below that is specific to your organization to learn more about the resources available to you at your organization.

Please note: You must be on your organization’s network to access this information.