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Voluntary
Benefit Programs

When it comes to benefits, there is no "one size fits all". Each of us has different needs. That's why Cooper offers employees the opportunity to supplement their traditional insurance with voluntary benefit programs that can help meet their individual needs and budget.
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Voluntary Short-Term Disability Benefit

All employees are eligible for voluntary STD as a supplement to the New Jersey Temporary Disability Benefits program which provides a benefit up to 66 2/3% of your annual income. You can choose among three (3) different waiting periods (30, 60 and 90-days), and will pay less premium for longer waiting period. You should consider how much Extended Sick Leave (ESL) you have when electing benefit waiting period. To view your ESL and PTO balances visit the ESS website or check your most recent pay-stub.

Supplemental Life Insurance 

You have the option of purchasing supplemental life insurance for:

  • Yourself - up to five times your annual base pay in increments of $10,000 up to a maximum of $1,000,000. 

  • Your Spouse - $5,000 to $25,000, in $5,000 increments. 

  • Your Child(ren) - In the amount of $5,000 or $10,000. 

Auto and Homeowners’ Insurance

The voluntary auto and homeowners’ insurance program provided by USI Affinity is available to all benefit eligible employees working at least 20 hours or more per week. You may apply for this voluntary benefit at any time. Please remember to mention that you are a Cooper University Health Care employee to qualify for discounts and payroll deductions.

Long-Term Care

Cooper University Health Care has partnered with John Hancock Life Insurance Company to offer long-term care insurance to all eligible employees and their eligible dependents, parents and parents-in-law.


Eligible family members may elect coverage even if the Cooper employee does not. Long-term care insurance can help protect your assets and your family from the high cost of long-term care services.

Pre-Paid Legal Services

The voluntary pre-paid legal services provided by Countrywide are available to regular full-time and regular part-time employees working at least 20 hours per week. Whether you are closing on a house, facing a traffic violation, drafting a will, or dealing with a debtor/creditor matter, the Legal Services Plan can provide you and your family will receive legal advice and, if necessary, legal representation at a discounted rate on a variety of matters.

To enroll in Countrywide Pre-Paid Legal Services, CLICK HERE to download an enrollment form and additional information.

 

Voluntary Universal Life Insurance

Universal Life Insurance by TransAmerica offers financial protection at a fixed interest rate with a guarantee that coverage will continue as long as premiums are paid. You can purchase supplemental life insurance for yourself, your spouse and/or children. This coverage builds cash value and is 100% portable with premiums paid through the convenience of payroll deduction.

Additional Plan Features:

  • Coverage available for spouse, children, and grandchildren

  • Guaranteed Issue amounts up to:

    • Employee $150,000

    • Spouse $50,000

    • Child $25,000

  • Riders include long term care and terminal illness

  • Waiver of Monthly Deductions due to layoff 

  • Employee contributions vary based on the amount of coverage and your age. Coverage effective February 1 of the current plan year. 

 

Voluntary Accident Insurance 

To help cover the cost of unforeseen events requiring medical care and out of pocket expenses, Voluntary Accident Insurance by TransAmerica is available to you and your dependents. This plan is designed to help with out-of-pocket medical expenses associated with an accidental injury. The plan is 100% portable with premiums paid through the payroll deduction.

Additional Plan Features:

  • 24-hour coverage for accidental injuries and death

  • Employee, spouse and children can be covered

  • Employees and dependents qualify for coverage regardless of health

  • Benefits payable in addition to other insurance benefits for hospital admission and surgery

  • $50 Annual Wellness Benefit for one annual health screening test for covered employee and spouse

  • Optional Disability Income riders available including spouse coverage

  • Optional Accident-Only Disability Income Rider

  • Employee contributions vary based on the amount of coverage selected. Coverage effective January 1 of the current plan year.

 

Voluntary Critical Illness NJ Insurance by TransAmerica 

To help cover out-of-pocket costs related to the care and treatment of a critical illness or cancer, you and your dependents have the opportunity to enroll in a Critical Illness Insurance program. This plan pays a lump sum benefit in the event of a diagnosis of a covered critical illness. The plan is Guaranteed Issue and is 100% portable with premiums paid through the convenience of payroll deduction.

Additional Plan Features:

  • Plan pays once for each covered critical illness 

  • All Guaranteed Issue

  • No waiting period

  • Benefits are payable in addition to any other insurance coverage

  • Riders include Cancer, Occupational HIV, 100% Recurrent Critical Illness (pays for a recurrence of a previous illness) 

Contact information for all of the voluntary benefit carriers listed above can be found in the Contacts & Resources section of this website.
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See all the benefit options available to you in our 2022 Benefits Guide!

Need help navigating your benefit options?

For questions regarding Medical/Rx, Dental, Vision or FSA benefits:

Contact the Conner Strong & Buckelew Member Advocacy Team any time. During Open Enrollment, you can also schedule a 15-minute one-on-one virtual meeting with an experienced Open Enrollment Educator. Meetings are available between now and November 12. 

For questions regarding Retirement benefits, contact Fidelity:

Questions about your retirement benefits should be directed to Fidelity via the phone number or website below. Cooper employees may also speak with a Fidelity representative, one-on-one, via the "LIVE SESSIONS" being offered during Open Enrollment.

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Ready to enroll?

To get started with your enrollment, access Employee Self Service (ESS) by clicking the button below. Remember to  have personal information on hand, such as Social Security numbers and birth dates of dependents. NOTE: You must be connected to Cooper's network to access the site.