See below for answers to Frequently Asked Questions from employees on the Institute response to COVID-19.
How have the CARES Act and other COVID regulations impacted MIT’s Flexible Spending Accounts?
The CARES Act extended the list of Health Care FSA qualified expenses to include additional over-the-counter medications and products.
The reimbursement window for 2019 Health Care and Dependent Care FSA claims has been extended to 60 days after the end of the President’s declaration of a national pandemic or another time period as designated by the IRS. As of now, no end date for the national pandemic has been declared.
For the 2020 plan year and future plan years, the carryover amount for the Health Care FSA is $550 (the carryover for the 2019 plan year is $500).
Can I reduce or cancel my Health Care and/or Dependent Care Flexible Spending Account contribution?
Recent regulations allow employees to revoke an election, make a new election, or decrease or increase an existing Health Care or Dependent Care FSA election on a prospective basis only. Employees cannot reduce their election to less than what has already been contributed and/or has been reimbursed. For example, during open enrollment, you made an annual Health Care FSA election of $2,000. As of 06/01/2020 you have contributed $900 and have been reimbursed $1,300. You cannot reduce your health FSA election to less than $1,300.
How is BlueCross responding to the pandemic?
Blue Cross Blue Shield of Massachusetts (BCBS) continues to monitor and respond to the serious challenges posed by COVID-19. BCBS will continue to ensure uninterrupted access to care for its health plan members.
BCBS has established a dedicated Coronavirus Helpline (1-888-372-1970) available for members to answer any questions about benefits, providers, and share other resources related to COVID-19. They have also launched a regularly updated Resource Center that includes coverage information and more.
How do I access telehealth benefits?
Benefits eligible employees enrolled in one of the MIT medical plans have access to licensed doctors and providers for minor medical and behavioral health care services with $0 copays, using live video visits on your favorite device.
Blue Cross Blue Shield (BCBS) Well Connection telehealth video visits are secure. Board-certified physicians and licensed clinicians are required to provide patients with private, secure, HIPAA-compliant, and confidential online visits. Visit Well Connection to see if your physician is a telehealth provider.
You and your family members can visit doctors and providers anytime, anywhere in the United States, at home, work, or on vacation—weekends and holidays included. All you need is an internet connection and a smartphone, tablet, or computer with a webcam. Please visit our Well Connection page for more information.
Note for High Deductible Health Plans: The CARES Act amends the rules applicable to HDHPs for plan years beginning on or before December 31, 2021 to allow HDHPs to cover telehealth and other remote care services before the applicable deductible is met. Out of network telehealth and other remote care services will be subject to the standard cost share per plan guidelines.
Are out of network telehealth visits covered?
I am enrolled in the MIT Traditional or MIT Choice Health Plan. I was previously seeing an out-of-network behavioral health provider via office visits. My provider has switched to telehealth virtual visits during the pandemic. Will the MIT Traditional and MIT Choice Health Plans still cover the visits if they are now out-of-network telehealth visits?
The MIT Traditional and Choice Plans will temporarily cover behavioral health out-of-network virtual visits, regardless of how the visit is conducted (telephonic or telehealth). The temporary coverage is outlined below:
- The MIT Traditional Plan will reimburse up to $60 per visit (the remaining cost is the responsibility of the member). This aligns with how out of network office visits are paid on the Traditional Plan currently. If the out of network telehealth visits are for COVID related treatment, the cost-share will be waived.
- The MIT Choice Plan will reimburse the cost per visit after the member’s deductible ($500 individual/$1000 family) has been met and the 25% coinsurance has been paid for the visit. If the out-of-network telehealth visits are for COVID related treatment, the cost-share will be waived.
The MIT Health Plans continue to cover behavioral health office visits (both in and out-of-network) as outlined in the current plan documents.
My in-network provider has switched from office visits to telehealth visits (not part of the BCBS Well Connection telehealth benefit). Will these visits be covered by my MIT Health Plan?
Blue Cross now allows all members access to telehealth services. All members are covered for visits with in-network providers via telehealth temporarily with a $0 copay. This includes office visits offered over the telephone.
The easiest way to ensure that your telehealth visit is covered is by calling BCBS Member Services at 1-800-882-1093. The member services team can look up providers and determine if they are in the BCBS network based upon you’re the plan you are enrolled in.
Does BCBS offer a 24/7 Nurse Care line?
Members can reach a registered nurse 24/7 by calling 1-888-247-Blue (2583). This service is free to all members and offers a safe and convenient clinical resource.
Will there be a change to the calendar year maximum reimbursement amount of $5,250 under the Tuition Assistance Plan?
The $5,250 calendar year maximum reimbursement amount under the Tuition Assistance Plan remains the same. Please continue to submit your tuition reimbursement requests as you normally do. Keep in mind that the reimbursement submission deadline is 90 days from the end date of a course. More about the Tuition Assistance Plan.
How do I access a loan or hardship withdrawal from my 401(k) plan?
The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) introduces temporary relief provisions related to retirement plans. MIT 401(k) Plan participants have more freedom to access funds during the current economic crisis without tax penalties. See details.
Health and Wellness
Are bandanas acceptable face coverings for on-site work?
No. On the basis of published test data, bandanas are not acceptable face coverings because of unacceptably low protection. (Fischer, E.P. et al., Low-cost measurement of facemask efficacy for filtering expelled droplets during speech, Sci. Adv., doi: 10.1126/sciadv.abd, 2020.)
What are the Covid-19 testing requirements? What happens if there's a positive test result for myself, a member of my staff, or a colleague?
See the testing requirements and test result guidelines in the MIT Returning to Work on Campus FAQ.
I had a Covid-19 test at MIT Medical. Where can I find my test results?
Results will appear in the Covid Pass app/website in the Medical Test section.
Are MIT Community Wellness classes still available?
Who should be working from home? Are we required to work from home?
MIT's phased approach to reopening campus emphasizes the health and safety of the community. DLCs are encouraged to continue remote work where it is possible. See details in the MIT Returning to Work on Campus FAQ.
I’m working remotely and caring for my children, who are home due to school/daycare closures. Am I expected to use vacation time for this?
MIT has announced special policies related to leave and pay (MIT Touchstone login required) for both salaried and hourly employees. These policies take into account those of you working from home while caring for children or other family members.
Are there resources to help me manage my team remotely?
Yes. See our tips and resources for managing employees and teams when the members are working remotely.
What is the policy for an MIT-owned laptop or other equipment when it’s off campus? What happens if it’s stolen or damaged?
MIT’s Property Insurance Program provides coverage for MIT-owned equipment (e.g., desktops, laptops, printers) that is stolen or damaged when temporarily located at your home. Personal laptops and other personal equipment are not covered by MIT.
For further information on insurance coverage of MIT-owned equipment, see:
Will I be reimbursed for internet, phone, or other expenses related to working from home?
MIT does not pay or reimburse for phone or internet expenses.
How long will free on-campus parking be available for returning staff?
MIT parking facilities on the Cambridge campus are open to all MIT ID cardholders free of charge through March 31, 2021. All MIT ID cards have been activated to allow access to all MIT lots and garages, regardless of whether the individual is a current parking account holder.
How can I support MIT colleagues who may be struggling financially?
You can donate to the MIT Staff Emergency Hardship Fund, which provides financial assistance to MIT staff and postdoctoral scholars (associates and fellows) who are experiencing an immediate, severe, and temporary financial hardship due to a sudden or non-recurring emergency (e.g., serious illness or injury, family crisis, natural disaster).
I’m really anxious about COVID-19 – what resources are available to support me during this time?
You are certainly not alone here – many of us can relate to feelings of anxiety and fears about what the future might hold. We are increasingly concerned about our own health and the health of our loved ones, while also adjusting to new ways of living and working. Luckily, we have a few great resources to help you combat stress and loneliness during this challenging and confusing time.
MyLife Services – MIT’s employee support program – has created a COVID-19 Response Page with specific information and resources for managing work, caregiving responsibilities, as well as one’s own mental health and well-being, during this unique time. Employees are encouraged to contact MyLife Services for individualized support – counseling and stress management sessions can be conducted via phone, video conference or text message.
Employees can also visit MyStress Tools, which offers free access to an online suite of webinars, podcasts, audio, and articles, focused on stress-management.
HR encourages everyone to use this time at home as an opportunity to prioritize self-care!
How can I support my child’s learning while schools and child care are closed?
Preschool: Visit Bright Horizons Health and Safety Resource for Families for a list of vetted resources and indoor-friendly activities that promote in-home learning.
- Connect with an expert educational advisor (a “Navigator”) through EdNavigator. Navigators are former teachers, principals, and experienced guidance counselors, who can provide individualized guidance around how to manage your child’s education and learning from home.
- Camp Kinda is a free virtual summer experience designed to keep children in grades K-8 engaged, curious, and having fun.
Teens: Encourage your teen to use the time away from school to get a leg-up on the college application process. Connect with an expert college advisor through College Coach. College Coach experts are former college admissions and finance professional, who can provide individualized guidance around planning and paying for college.
Plus Parent Coaching: Parents of infants through teens can sign up for a one-on-one consultation with a Peace at Home Parenting coach to discuss any parenting questions or concerns.
Where can I find information about re-opening plans for MIT's child care centers?
See our re-opening FAQs for currently-enrolled families at MIT's Technology Childcare Centers (TCC).
What do I do if someone applied for unemployment benefits in my name?
Criminal enterprises using stolen personal information from earlier national data breaches have been attempting to file fraudulent unemployment claims through the Massachusetts Department of Unemployment Assistance system. This is part of a national unemployment fraud scheme. If you believe someone has applied for unemployment benefits using your personal information, here's what to do.
What are the tax implications if I temporarily or permanently relocate outside of Massachusetts?
How do I get permission to be on campus?
See guidelines for campus access in the MIT Returning to Work on Campus FAQ.
What do we do about new hires while campus is closed to most employees?
New hires can, with few exceptions, be onboarded virtually in order to maintain their start date. Human Resources is able to continue the usual new employee onboarding steps as well, such as activation of benefits. See more detailed information about virtually onboarding new hires and our best practices for managers during this time of remote work.
Have a Question?
If you have a question that wasn't answered here, you can email firstname.lastname@example.org.