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Financial Well-being

Baystate offers a variety of resources to help support your financial health, no matter your income. There are many aspects to having a solid sense of financial well-being. These include:

  • Feeling in control of your day-to day and month-to-month finances — being able to manage your money, in the present.
  • Having the capacity to absorb an unexpected expense — having enough in savings to allow for temporary set-backs.
  • Being on track to meet financial goals.
  • Having the financial freedom to make choices to allow you to enjoy life in ways that are meaningful to you.

Effectively managing your financial responsibilities (and having some left over for fun!) reduces stress and increases your sense of security.

PerkSpot Employee Discount Center

The PerkSpot Employee Discount Center is your one-stop-shop for exclusive discounts at many of your favorite national and local merchants! PerkSpot is completely free, and optimized for use on any device: desktops, tablets, and phones.


  • Shop 24/7, 365 days a year.
  • Special offers and amazing discounts on electronics, groceries, hotels, restaurants, travel, family care, and more!
  • Includes special discounts available to Baystate employees only.
  • Enjoy new offers daily with “Perk Alerts”
  • Create your own “Favorite Merchants” list and suggest merchants to add to the site.

Getting Started

Sign up or log in at Follow the simple on-screen instructions to make an account with your personal or work email.

Start Saving

Enjoy access to thousands of discounts in dozens of categories, updated daily. Take advantage of online offers from popular national retailers, and discover discounts in your neighborhood with PerkSpot’s streamlined Local Map. Filter your map results by categories like restaurants, health & fitness, retail, and more!

Saving for Retirement

Employee Contributions

You can elect to make pre-tax contributions up to $19,00 for calendar year 2019($25,000 if age 50+) with several investment options available. For more information, visit eWorkplace/Benefits/Retirement Plans

Employer Contributions

The 100% employer-paid defined contribution plan has contributions ranging from 3-5% of gross earnings based on years of service. You are eligible for a contribution in any calendar year in which you work 1,000 hours or more. To be vested you must work at least three calendar years of 1,000 hours. In addition, Baystate provides a 50% match on the first 4% of your contributions (2% maximum employer match).

Retirement Planning Consultations

To ensure you are making the best decisions for your financial future, meet one-on-one with a MassMutual Retirement Education Specialist, ask questions over the phone, or access your account on your own.  For more information or to schedule a one-on-one appointment now, click here.

Tax-Advantaged Savings Accounts

Health Savings Account

Contribute pre-tax dollars to a health savings account if you enroll in the HSA medical plan. For more information visit eWorkplace/Benefits/Medical Insurance and Health Savings Account

Flexible Spending Accounts

  • Health Care- Contribute pre-tax dollars to pay for eligible health, dental and vision expense not covered by a group health plan.
  • Dependent Care- Contribute pre-tax dollars to pay for eligible dependent care expenses including day care, day camp, and elder care expenses incurred while at work.

For more information visit eWorkplace/Benefits/Flexible Spending Accounts

Income Protection Benefits

Short Term Disability Insurance

Provides income replacement for periods of extended illnesses and injuries that do not extend long enough to qualify for Long Term Disability. Baystate covers 50% of your base salary up to a maximum of $3,500 per week at no cost to you.Supplemental buy-ups are available during Open Enrollment. For more information, visit The Hub/Benefits/Short Term Disability.

Group Long Term Disability Insurance

Provides income if you become ill or injured off the job and cannot work for 90 days or more. Baystate covers 50% of your base salary at no cost to you. (Part-time employees pay the full cost of coverage). For more information, visit The Hub/Benefits/Long Term Disability

Group Term Life Insurance

Baystate covers at least one times salary for full-time employee and 50% of salary for part-time employees. Amounts over $500,000 require medical underwriting. For more information visit, The Hub/Benefits/Life Insurance

Additional Benefits Available for Purchase

These additional benefits are available to support the financial health of you and your family. They are offered to you at group discounted rates and are payable through payroll deduction. Many of these benefits are also available to part-time and per diem team members. Watch this quick BenefitsPlus video overview.

You can purchase these benefits ANY TIME during the year:

Auto Insurance

Find comprehensive policies that cover theft, collision, bodily injury and more. Learn more about auto insurance.

Home Insurance

 Available for both home owners and renters. Learn more about Home Insurance.

Pet Products

  • Nationwide Pet Insurance- Reimburses you for treatments, surgeries, lab fees x-rays and more. You can use veterinarians of your choice. Learn more about Pet Insurance.
  • PETplus Wholesale Pricing through Pet Assure – Purchase pet prescriptions, preventatives, specialty food and other supplies at below-retail prices. Learn more about PETPlus.

ID Theft Protection Insurance

Alerts you to any possible suspicious activity with fully managed resolution services. 100% issue resolution guarantee. $1 million ID theft insurance policy. Learn more about ID Theft Protection.

Money-back Programs & Resources

$150 Fitness and Stress Reduction Reimbursement

Available to employees with a BH-HNE medical plan for qualifying fitness center memberships, aerobic and wellness classes, personal training, or a Mindfulness-Based Stress Reduction Program. Download the 2019 reimbursement form.Download the 2020 reimbursement form.

MyHealth Rewards

This voluntary incentive program is available to all benefits-eligible employees.All participants can earn the full $250 by completing the program requirements. Also, each month you have multiple chances to win the $1,000 raffle for a VISA debit card! The more you participate, the more you increase your chances to win every month! For more information, visit The Hub/Baystate Healthy/MyHealth Rewards

Personal/Vacation Cash-in Program

Some Baystate locations allow you to cash-in a portion of your Personal/Vacation time each year in December. For more information, visit The Hub/Benefits/Annual Cash-In.

Educational Assistance

Receive reimbursement for expenses incurred as part of an approved course of study at an accredited college, university, or technical school, up to $2,500 per year. For more information, review the Human Resource Policy BH-HR-705.

Home Buying Assistance

Through the Mark R. Tolosky Baystate Neighbors Program employees can receive up to $7,500 in forgivable loans for a first-time home purchase in Springfield, Greenfield and Ware. For information, visit The Hub/My Baystate/Home Buying Assistance Program.

Adoption Assistance

Receive up to $3,000 per adopted child with a yearly limit of two adopted children or $6,000 in adoption benefit. For more information, review the Human Resource Policy BH-HR-300.

Caring for Colleagues

Receive up to $1,000 for emergency assistance if you have experienced a sudden loss of income, family crisis, or other unforeseen circumstances. For more information, visit eWorkplace/My Baystate/Caring for Colleagues.

Financial Education & Counseling Services

Financial Consultations

Speak directly to a Certified Public Accountant or Certified Financial Planner and get answers to your questions about budgeting, debt management, tax issues and other money concerns. Call Life GuidanceResources® & EAP at 855-327-4479.

Online Education

Participate in live and recorded presentations related to your personal finances. View the yearly webinar calendar, which includes several financial based webinars.

Legal Services

Speak directly to an attorney whenever you have questions about legal matters such as divorce, custody, adoption, real estate, debt and bankruptcy, landlord/tenant issues, civil and criminal actions and more. If you require representation, you can be referred to a qualified attorney for a free 30-minute consultation and a 25% reduction in customary legal fees. Call Life GuidanceResources® & EAP at 855-327-4479.

Onsite Banking and Credit Union Membership

Pioneer Valley Credit Union (PVCU)

Visit the onsite branch located in BMC, Daly building across from the gift shop. Benefits of being a PVCU member include:

  • Free and Online Services Include: checks, online and mobile banking, bill pay, account activity alerts, eStatements, mobile check deposit, PVCU does not charge when use non-PVCU ATMs (and reimburses up to $25/year for ATM charges from other banks)
  • Checking:  cash rewards, teen checking, overdraft protection services
  • Savings: holiday and vacation clubs, youth accounts, emergency fund accounts, retirement accounts
  • Loans: Low rates on loans! 24/7 online loan applications, auto, personal, student, recreational vehicle, heat, mortgages
  • One on One Financial Counseling, debt analysis, budget plans, retirement planning, college planning, student debt, etc.
  • CU on the Go Mobile Branch Solutions- the bank comes to your worksite upon request.
  • PVCU also hosts information tables at various locations across the organization. Learn more about banking services, open an account, apply for a loan or make updates or changes to an existing account. Click here to see the current schedule.

Full Service Branch Baystate Medical Center

759 Chestnut Street - Daly Bldg across from the Gift Shop.
Phone: 413-733-2800 or visit


Loan office hours are the same as the full service branch.

Mon, Tues, Wed, Fri.: 9 a.m. - 4 p.m.
Thursday: 7 a.m. - 4 p.m.

ATM Locations

  • 280 Chestnut St. - Terrace level
  • 361 Whitney Ave. - Café- ATM takes deposits
  • 759 Chestnut St. - Back of the North Café and at Daly Bldg across from the Gift Shop (takes deposits)
  • 3300 Main St. - Vestibule at the main entrance

Franklin First Federal Credit Union

Membership is available to anyone who works, lives, attends school or worships in Franklin County. For more information call 413-774-6700 or visit

Legal Services

Legal Services

At no cost to you, you can speak directly to an attorney whenever you have questions about legal matters such as divorce, custody, adoption, real estate, debt and bankruptcy, landlord/tenant issues, civil and criminal actions and more. If you require representation, you can be referred to a qualified attorney for a free 30-minute consultation and a 25% reduction in customary legal fees. Call Life GuidanceResources® & EAP at 855-327-4479.

Legal Insurance

You're more likely to need legal services than to be hospitalized. Yet, while most people have medical insurance, they have no safety net to handle legal events in their life. With MetLaw®, you can obtain services from attorneys in much the same way as you do from the doctors who participate in your medical plan.

MetLaw provides access to a network of participating attorneys for help with a wide range of legal issues, including:

  • Wills and Estate Planning
  • Family Law (Name Change, Adoption)
  • Consumer Protection (Auto Repair, Consumer Fraud)
  • Juvenile Court Matters (Includes Criminal Matters)
  • Debt and Identity Theft Matters (Bankruptcy, Tax Audits)
  • Home and Real Estate Matters (Purchase or Sale of a Home, Security Deposits)
  • And more

To learn more and enroll:

As a new hire, you can enroll within 31 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to Benefits Open Enrollment only, which occurs each year in the Oct-Nov timeframe. Legal insurance is a part of the BenefitsPlus program. Click here to learn more.

College Financing: Saving For College and Student Loan Refinancing

529 College Savings Plan

A 529 plan is an education savings plan designed to help you set aside funds for future college costs. It is named after Section 529 of the Internal Revenue Code which created these types of savings plans in 1996. 529 plans offer unsurpassed income tax breaks. In addition, this plan provides you professional money management services and low fees. Learn more and sign up.

Student Loan Refinancing

Make your student debt go away faster with SoFi. As of June 2019, Fixed rates available from 3.49% APR to 8.074% APR, and Variable rates start as low as 2.43% APR to 6.59% APR when you enroll in Auto Pay. Learn more and find out your rate.