Instructions for New Hire Enrollments

Transcription

1 Instructions for New Hire Enrollments Before Making Elections You will need Date of Birth and Social Security Numbers for any dependents you wish to enroll in benefits. Please review the Guide located in the BENEFIT ENROLLMENT DOCS section of The Zone. The Enrollment Guide contains a detailed description of the insurance benefits available to you as a Goodman employee. It also contains important information about benefits eligibility, benefit changes related to a qualifying event, getting credit for prior coverage, and Goodman s privacy policy. SUGGESTION While in the Benefit Enrollment Documents section of The Zone, open each document listed there. You will need to refer back to these documents throughout the enrollment process. By opening the documents first, you will not lose the changes you make by going back and forth through the tabs. Take a few minutes to review the plans before beginning the enrollment process. BENEFICIARIES & DEPENDENTS In The Zone, go to BENEFITS > MY DEPENDENTS to add the information for your spouse and/or children you plan to cover on ANY of the plans, if applicable. Once you have entered your dependents, go to BENEFITS > MY BENEFICIARIES to add someone OTHER than your spouse and/or children as a life insurance beneficiary (parent, sibling, etc.), if applicable. The dependents you added earlier will automatically appear in this section. If you are not covering your spouse and/or children and did not enter them in the My Dependents section, you will need to add them here in order to add them as a beneficiary. Now, Let s Enroll! Go to BENEFITS > BENEFIT CHANGES to begin the enrollment process. On the first BENEFIT CHANGES screen, the Benefit Change Date is your date of hire and the Benefit Change Reason is NEW HIRES. Click at the top to continue. 1

2 MAKE YOUR ELECTIONS Medical Insurance Select your level of medical insurance coverage: Buy Up Medical, Core Medical, Base HDHP Medical, or No Medical Coverage. Select the tier of coverage: Employee Only, Employee + Children, Employee + Spouse, or Family Dental Insurance Select your level of dental insurance coverage: Buy Up Dental, Core Dental, or No Dental Coverage. Select the tier of coverage: Employee Only, Employee + 1 Dependent, or Employee + 2 or More Dependents Vision Insurance Select the tier of vision coverage: Employee Only, Employee + 1 Dependent, or Employee + 2 or More Dependents Select No Vision Coverage if you do not want to participate in the vision plan. HSA / Flexible Spending Accounts If you have elected the Base HDHP Medical option, you are eligible to enroll in the Health Savings Account (HSA). The HSA tier you elect must coincide with the tier of medical coverage you have selected. IMPORTANT: If you have NOT enrolled in the Base HDHP Medical option, you are not eligible for the HSA. If you would like to set funds aside for medical expenses, you will need to enroll in the Medical FSA. There are two types of Flex Spending Accounts available: Medical Flex Spending or Dependent Care (Daycare) Flex Spending. IMPORTANT: Dependent Care is for DAYCARE reimbursement, not dependent health care expenses. Select the plan(s) you would like to participate in. You will enter the annual amount you would like to contribute to each plan later in the enrollment process. If you do not want to enroll, choose Not Selected. HSA and FSA enrollments must be renewed annually during Open Enrollment. 2

3 MetLife Voluntary Benefits Critical Illness Coverage Review the Critical, Accident, Legal brochure in the BENEFIT ENROLLMENT DOCS section of The Zone before making your elections. Select the amount of coverage ($10k or $20k) and tier (Single, +Children, +Spouse, or Family) to enroll. The premium amount will update once you select your coverage. Accident Coverage Review the Critical, Accident, Legal brochure under the Benefit Enrollment Docs tab, before enrolling. Select the box for the level of coverage: Emp Only, Emp+Children, Emp+Spouse, or Family. Legal Review the Critical, Accident, Legal brochure under the Benefit Enrollment Docs tab, before enrolling. Select the box to elect coverage. Dependent coverage is included with employee enrollment. 3

4 Voluntary Benefits Employee, Spouse & Child Term Life Before making elections, review the plan details and monthly premiums listed in THE ZONE > BENEFIT ENROLLMENT DOCS > SUN LIFE VTL PLAN. Select the plans you want to enroll in: Employee Term Life, Spouse Term Life, or Child Term Life. IMPORTANT: You must enroll in Employee Term Life in order to enroll in Spouse or Child Life. You will select the amount of coverage and your beneficiaries later in the enrollment process. If applying for amounts greater than the Guaranteed Issue Amount, you will be enrolled in the plan limits, and then will need to follow the instructions for completing the Evidence of Insurability on Sun Life s website. (See the last page of this guide for additional instructions). Short-Term Disability Check the box to select Short-Term Disability coverage. Premium information will be displayed later in the enrollment process. Voluntary Accidental Death & Dismemberment (AD&D) Select the tier of Voluntary AD&D coverage: Single or Family The premiums can be found on the Sun Life VTL Plan document referenced above. Identity Theft Coverage Before making elections, review the plan details listed in THE ZONE > BENEFIT ENROLLMENT DOCS > ID THEFT INFORMATION To enroll, select the tier of ID Theft Coverage you would like: Identity Theft Single or Identity Theft Family. Company Paid Benefits Basic Life, Basic AD&D, and Long Term Disability Goodman provides Basic Life, Basic AD&D, and Long Term Disability at no cost to employees. Confirm that the box for each plan is selected. You will select beneficiaries later in the enrollment process. Once you have made selections for all of the above plans, click at the top to continue. Dependent/Beneficiary Form Medical, Dental, Vision, Flex Spending, Spouse Term Life, Critical Illness, and Accident If you have elected coverage in any of the above plans for a tier other than Employee Only, you will need to select the dependents to be enrolled in each plan. Select the dependents to be covered on EACH plan from the lists available. If you don t see any dependents to select, go back to BENEFITS > MY DEPENDENTS and make sure you completed the process to add them. 4

5 Spouse Term Life If you elected to enroll in Spouse Term Life, you will need to enter the amount of coverage you are requesting. Amounts must be entered in increments of $10,000, not to exceed the amount you elected. As the employee, you are automatically the beneficiary for the Spouse Term Life coverage. Employee Term Life If you elected to enroll in Employee Term Life, you will need to enter the amount of coverage you are requesting. Enter an amount in increments of $10,000, up to seven times your annual salary. Select the beneficiaries that you want to receive the proceeds from this life insurance policy. You will select the percentage to be received by each beneficiary later in the enrollment process. Basic Life and Basic AD&D The amount of coverage will be pre-filled for both benefits. Do not change this amount as it is set based upon your annual salary. Select the beneficiaries for Basic Life. You will select the percentage to be received by each beneficiary later in the enrollment process. There are no beneficiaries for Basic AD&D. Once you have assigned your dependents and beneficiaries for all applicable plans, press top of the screen to see your updated premiums. at the If you are satisfied with your elections and premiums, click at the top to continue. Beneficiary Worksheet All employees will need to designate beneficiaries for Basic Life Insurance. Additional beneficiary elections will need to be made if you elected Employee Term Life. For EACH plan, designate which beneficiaries listed will be primary and/or contingent beneficiaries and the percentage of benefit they are to receive. In the event of a claim, the benefit will automatically be distributed to the primary beneficiaries according to the percentages you assign. The total percentage assigned to your primary beneficiaries should equal 100%. Contingent beneficiaries will only receive payment in the event that the primary beneficiaries are no longer living at the time of the claim. The total percentage assigned to your contingent beneficiaries should equal 100%. Once you designated primary and contingent beneficiaries for all applicable plans, click to continue. at the top 5

6 Savings Plan Worksheet If you elected to participate in Flex Spending or the HSA, you will enter the amount(s) you wish to contribute on this screen. Enter the annual amount that you would like to contribute to each plan. The amount per pay period will calculate automatically. IMPORTANT: The per pay period costs shown are APPROXIMATE. The actual amount deducted per pay period will be calculated by dividing the annual election amount by the number of pay periods remaining in the year. This could potentially be higher than expected when your hire date falls during the year (Example: If an employee hired in December with two remaining pay periods elects an annual amount of $2,000, their contribution will calculate at $1,000 per pay period). Once you have made your annual elections and are satisfied with the premiums, click continue. at the top to Benefit Changes Confirmation This page summarizes your elections, dependents and beneficiaries. Review carefully. If you need to make changes, DO NOT USE YOUR BROWSER S BACK BUTTON. Instead, click at the top of the screen to go back. Once you are satisfied with your elections, you will need to submit the enrollments by typing the password you used to log in to The Zone in both the Password and Confirm boxes at the bottom of the confirmation screen. Once you have entered your password, click at the top of the page to SUBMIT your enrollments. IMPORTANT: If you do not click to submit, your elections will NOT be saved and you will NOT be enrolled in benefits. Watch for a notice in your Inbox in The Zone to confirm whether your request has been approved or rejected. 6

7 Evidence of Insurability Process Follow the instructions below ONLY if you requested Term Life coverage amounts over $200,000/employee and $50,000/spouse Go to and select My Disability Benefits. Select Apply for Evidence of Insurability Online. Scroll to the bottom to apply, using GROUP CODE and your SSN. Whether for employee, spouse or both, select all that apply for the Voluntary Term Life. Please note that only a legal spouse and dependent children up to age 26 are available. Check the agreement to proceed to the questionnaire. Complete the personal information and then select the type of coverage you seek at the bottom. DO NOT select Basic Employee Life which is currently provided by Goodman. After you complete the application process, you will be notified by with a decision. The Corporate Benefits Dept. will also be notified. If coverage is approved, deductions will begin shortly after the effective date. Please note that you will not be charged for the additional amount until coverage is approved by the carrier. Questions about the decisions should be directed to Sun Life as Goodman has no input on the decision-making process. Have Questions or Need Additional Assistance? Contact HR Shared Services at (713) , option 2 7