SPEC Kit 320: Core Beneﬁts · 19
now, will increase over time. Prescription, hospitalization, cancer, and intensive care unit coverage through the
offered group health plans is extremely common. Surprisingly, long-term care is consistently excluded from
health plans and, even when considering coverage through supplemental plans, unavailable to a significant
percentage of library employees.
A high percentage of respondents offer Flexible Spending Accounts, and a surprisingly low percentage offer
HSA, HRA, or other plans. However, the employer contributions are most typical for HSA and HRA plans.
The average for annual contributions to these plans by employers was surprisingly high, particularly for FSA’s
for dependent care, with employer contributions averaging $1,805.
Interestingly, for life, ADD, health, dental, and vision insurance, the employee’s cost for coverage for spouses
and domestic partners is usually equivalent.