Faculty and staff serving in international locations can find detailed information about their benefits in the 2026 International Benefits Guide (2025 Interactive).
You can log in to GMS to view your benefit current elections, update 403(b) retirement contributions, designate beneficiaries and much more.
Considering retirement? View the Retiree Guide for International Employees.
Cigna Global Health Benefits
Georgetown University provides medical, pharmacy, dental, vision, long term disability coverage, and international employee assistance through Cigna Global Health Benefits while you are working internationally.
| Global Plan (Worldwide coverage) | International Plan (US Emergency care only) | CIGNALinks | |
|---|---|---|---|
| GU-Q | US Citizens | Non-US Citizens | All GU-Q Employees (Middle East) |
| Dubai | US Citizens | Non-US Citizens | All Dubai Employees (Middle East) |
| Europe | US Citizens | Non-US Citizens | N/A |
| Jakarta | US Citizens | Non-US Citizens | All Jakarta Employees (Southeast Asia, Parkway Health) |
- Cigna Global Health Benefits: ExPat Welcome Kit, Your Cigna Journey 2026
- CignaLinks Middle East Welcome Letter
- CignaLinks Southeast Asia Welcome letter
Using Your Plan
- How to connect
- Cigna Envoy Mobile App
- Online Claim Submission
- Global Telehealth through the Cigna Wellbeing App
Visit Cigna Envoy for an up-to-date listing of providers.
Forms
- Cigna Claim Form
- Cigna EFT Enrollment Form
- Request for Continuation of Coverage for Handicapped Child
Submitting a Claim for Reimbursement
You are encouraged to submit any claims for reimbursement through the CignaEnvoy website. This is the most secure method. You may also download a claim form and submit through fax or mail.
Guarantee of Payment – Out of Network Providers
A Guarantee of Payment (GOP) assures payment directly to a health care provider outside the United States for covered authorized medical services. This helps prevent you from having to pay upfront for services that would normally be covered under your plan.
Georgetown University provides you access to dental coverage through Cigna Global Health Benefits while you are employed at an international location. Employee pre-tax premium contributions are required. Dental coverage can only be changed during open enrollment, or as a result of a qualifying family status change.
Cigna Dental network discounts are available for our members in the U.S. with Cigna Dental coverage.
Dental Insurance Rates for 2026
Flexible Spending Accounts (FSA)
FSAs allow employees to set aside money (pre-tax) to pay for eligible health care and dependent care expenses. You must enroll, or re-enroll, in FSAs each year. The enrollment period coincides with Open Enrollment typically held each Fall.
FSAs for Georgetown University faculty and staff are administered by Optum.
International Employee Assistance Program (IEAP)
Georgetown University has contracted with Cigna Global Health Benefits and Work Place Options to provide faculty and staff at international locations with access to services designed to assist with a variety of professional and personal concerns. Additionally, spouses and dependents who reside with you in the same household are also covered under this program. No employee premium contributions are required and you need not be covered by the medical plan to access assistance.
This program provides:
- Telephonic counseling (unlimited)
- Six face-to-face visits with professional counselor
- Additional work/life support benefits, as needed
You may contact Work Place Options for information and/or 24/7 telephonic counseling services by calling:
- +44 208 987 6230 (Reverse charges accepted)
- 1 877 857 2952 (When calling from U.S.)
You may also access this benefit through Cigna Envoy or reach out to gloableap@workplaceoptions.com
Salary Continuance
Salary continuance begins after an eligible employee is unable to work due to illness or injury. The Plan pays 100% of monthly earnings. Staff and AAPs must satisfy a 5-day waiting period before becoming eligible to receive benefits. During the waiting period employees may use PTO or unpaid leave. Paid benefits begin on the 6th work day and continue until:
- You are no longer disabled;
- You reach the “recovery limit” for your type of disability; or
- You reach the Maximum Allowable benefit period of 90 days.
No employee contributions are required for this benefit.
Long Term Disability Insurance
Cigna long term disability insurance provides income protection if you are disabled due to injury or sickness. Employees pay the full cost of this coverage on an after-tax basis.
| Plan Feature | Plan Pays |
|---|---|
| Monthly Benefit | 60% of base monthly salary, up to $15,000 |
| Elimination Period | 90 days |
| Mental Illness Limit | 24 months |
| Maternity Benefit | Full coverage |
| Pre-existing Condition | Any condition diagnosed or treated in the 12 months prior to your effective date will not be covered unless you have been without treatment for six consecutive months after that date. In this case, the remainder of the pre-existing condition period, defined as 24 months, will be waived. |
How Your LTD Cost is Calculated
Employees pay the full cost of this coverage on an after-tax basis.Your cost is equal to $0.69 per $100 of covered monthly salary. The example below assumes an annual salary of $55,000 or monthly salary of $4,583.33.
| A. Covered Monthly Salary | $4,583.33 |
|---|---|
| B. Per $100 of Covered Monthly Salary Line A divided by 100 = | $45.83 |
| C. Premium Rate | $0.69 |
| D. Your Monthly Cost Line B x Line C = | $31.62 |
Basic Life and AD&D Insurance
Life insurance can provide security for your beneficiaries in the event of your death or terminal illness. Enrollment for Basic Life and AD&D is automatic. No employee contributions are required for this benefit.
Basic Life Insurance coverage is equal to a benefit of $50,000 through MetLife Insurance Company.
Basic AD&D Insurance coverage also provides a $50,000 benefit. This benefit is payable in the event of death or significant loss due to an accident. Examples of significant loss include loss of sight and dismemberment.
Additional Life Insurance Options
You may elect or increase your supplemental life, voluntary AD&D and dependent life coverage during Open Enrollment through Georgetown Management System (GMS). Your elections will take effect the following January.
MetLife is the life insurance carrier for Georgetown University. Life and accident insurance can provide financial security for your beneficiaries in the event of your terminal illness or death. Georgetown University provides a Basic Life Insurance benefit of $50,000 for eligible faculty and staff. The Supplemental Life Insurance Plan is a voluntary, employee-paid group term life insurance plan in which you can choose to participate to supplement your Georgetown-provided life insurance. Enhanced features offered by MetLife include free will preparation service.
Voluntary AD&D
Georgetown University provides a Basic Accidental Death & Dismemberment (AD&D) benefit of $50,000 for eligible faculty and staff. You may choose to purchase additional AD&D coverage for yourself and your family through MetLife. Voluntary AD&D pays benefits in the event of death due to accident, but also pays in the event of a covered disabling injury. The proceeds from the AD&D coverage can help replace lost income and lessen the impact of costs associated with serious injuries, including medical bills, physical therapy, psychological counseling, safety upgrades to a home or car, and more.
Dependent Life
The Dependent Life Insurance Plan is a voluntary, employee-paid group term life insurance plan in which you can elect coverage for your eligible dependents.
Tuition Assistance Program (TAP)
Georgetown University offers tuition benefits to employees and their children through the Tuition Assistance Program (TAP).