For Your Benefit. Annual Benefits Election Period November 14 December 9, 2011 What s New in Brief! Human Resources Benefits Office
|
|
- Emma Pitts
- 5 years ago
- Views:
Transcription
1 Human Resources Benefits Office For Your Benefit 2012 North Division Registered Nurses Benefits Program Annual Benefits Election Period November 14 December 9, 2011 What s New in Brief! Health Care Flexible Spending Account Voluntary Tax Deferred Annuity 403(b) Plan Wellness/To Your Health! Voluntary Benefits To All North Division Registered Nurses Each year during the Annual Benefits Election Period, you have the opportunity to elect a Health Care Flexible Spending Account (FSA) or change your contributions. You must make a new election if you want a Health Care FSA in Your 2011 election will not automatically continue into You may make your 2012 Health Care FSA election beginning November 14th through December 9th by: Logging on to the Benefits Website at or Contacting the Benefits Enrollment Call Center at Monday through Friday, between 8am and 8pm EST. If you need assistance, contact the HR-Benefits Office by at montebenefits@montefiore.org or call Sincerely, William Shanahan Vice President, Human Resources Total Compensation MontMNRNnd8pg_cgs.indd 1 11/1/11 3:00 PM
2 Heath Care Flexible Spending Account Can Save You Money! If you want to take advantage of the tax-savings opportunity a Health Care Flexible Spending Account (FSA) provides in 2012, you must make a new election during the Annual Benefits Election Period. Your current Health Care FSA election does not carry over into the following year. Health Care FSA Use this account to pay out-of-pocket healthcare expenses you and your dependents incur. Your dependents are anyone you claim as a dependent for federal income tax purposes as well as children up to age 26 whether or not they are dependent on you for financial support. For example, you can pay deductibles, coinsurance, copays, amounts above reasonable and customary limits and other unreimbursed medical, dental, prescription drug, vision and hearing expenses. Using a Health Care FSA to cover expenses you would have paid for anyway reduces your taxable income by that amount, which in turn lowers your taxes. Make Your FSA Election Carefully Estimate your out-of-pocket health care expenses and corresponding Health Care FSA election conservatively to avoid forfeiture. Remember that you can always increase your contributions next year. To see how a Health Care FSA can save you money, try the WageWorks Health Care FSA Calculator ( To Make Your FSA Election Log on to Montefiore s Benefits Website or call the Benefits Enrollment Call Center at , Monday through Friday, between 8am and 8pm EST. You ll speak to an enrollment specialist who will help you enroll. Review your current information (address, phone number, etc.) and notify HR of any corrections on a Change of Information Form (a copy is on Montefiore s Intranet emontefiore under HR). Health Care Flexible Spending Account You must make a new Health Care FSA election if you want this account in Your current election will not roll over into next year. 2 MontMNRNnd8pg_cgs.indd 2 11/1/11 3:00 PM
3 Montefiore Voluntary Tax Deferred Annuity 403(b) Plan The Montefiore Voluntary Tax Deferred Annuity 403(b) Plan provides an excellent tool to help you save for your future financial security. Your before-tax contributions are automatically deducted from your paycheck and accumulate earnings on a tax-deferred basis. You make your own investment decisions based on your investment strategy and the level of risk you are willing to accept. You can change your allocations and transfer amounts among investment options. Maximum contributions are determined by the IRS and are adjusted annually. Plus, there are two catch-up opportunities. If you: Are under age 50 $17,000 The maximum you can contribute for 2012 is: Qualify for the full annual 15+ Years of Service Catch-up Contribution $20,000 (17,000 + $3,000) Qualify for the Age 50+ but not the 15+ Years of Service Catch-up Contribution Qualify for the Age 50+ and the 15+ Years of Service Catch-up Contributions $22,500 ($17,000 + $5,500) $25,500 ($17,000 + $3,000 + $5,500) At any time during the year, to elect the Voluntary Tax Deferred Annuity 403(b) Plan, change your election and/or if you are eligible for and want to make a catch up contribution contact Principal at or go online to MontMNRNnd8pg_cgs.indd 3 11/1/11 3:01 PM
4 TO YOUR HEALTH! Montefiore s Wellness Program To Your Health! provides you with access to up-to-date resources and interactive tools that can help you become active, stay healthy and reach your health goals. Online Resources (Health Information Resources, powered by WEBMD) Register at and take the first step to a healthier you. To register your spouse or domestic partner, go to and use W5E7B2M9D4 as your access code. Nutrition Counseling Service A nutrition consultation can help you manage your weight, lower your health risks, or learn to eat wisely while maintaining a busy lifestyle. You ll receive a complete nutritional analysis, realistic recommendations, and up-to-date nutritional information that will allow for long-lasting results. For more information or to make an appointment call Weight Work Weight Watchers is a weight loss program based on nutritional guidelines and scientific research that encourages both healthy eating and exercise/activity. Montefiore is providing a 25% upfront subsidy for Weight Watchers meetings and online programs. After participating in the program, you will be eligible for an additional 25% rebate. To join, call the Montefiore dedicated Weight Watchers number: Smoking Cessation Over the past year, Montefiore has initiated a tobacco-free campus and offered RNs a number of education and help options to assist them to quit using tobacco products. We are all aware that using tobacco is hazardous to your health. And those health risks translate to a huge cost in quality of life, overall life expectancy and dollars spent on healthcare. Here are a few facts (from the Centers for Disease Control and Prevention website). Cigarette smoking is the leading preventable cause of death in the United States. Compared with nonsmokers, smoking is estimated to increase the risk of: ocoronary o heart disease by 2 to 4 times ostroke o by 2 to 4 times olung o cancer for men by 23 times, for women by 13 times ochronic o obstructive lung disease related death (such as chronic bronchitis and emphysema) by 12 to 13 times Smoking also has many adverse reproductive and early childhood effects, including increased risk for: oinfertility o opreterm o delivery ostillbirth o olow o birth weight, and osudden o infant death syndrome (SIDS). 4 MontMNRNnd8pg_cgs.indd 4 11/1/11 3:01 PM
5 If you use tobacco, these reasons alone should prompt you to quit. Occupational Health Services provides information on nicotine replacement therapy and offers a no-cost nicotine replacement therapy starter kit from Montefiore in-house pharmacies at the Moses, Weiler and North campuses. For more information call or montebenefits@montefiore.org. Ongoing Opportunities to Quit To Your Health! Smoking Cessation Lifestyle Improvement Program Employee Assistance Program (EAP) EAP (5327) New York State Quitline 866-NY-QUITS or or visit Bronx Breathes / Helping Others Healthy Points Program Feel good about yourself as you take charge of your health and you help us improve the lives of others. Through the Helping Others Healthy Points Program, you earn and accumulate points by participating in To Your Health! activities. Accumulating Healthy Points is easy. Here s how. 5 points each quarter for simply registering and/or visiting and exploring the To Your Health! website 40 points for completing for the first time or updating your To Your Health! (Health Risk) Assessment 20 points for completing any one of the six Lifestyle Improvement Programs that are offered 5 points for using the Symptom Checker on the website 5 points for completing a Self-assessment 25 points for having a routine physical/preventive exam and/or undergoing a health screening 25 points for consulting with the OHS Nutrition Consultant Healthy Points are automatically recorded when you complete an online activity. You have to self-report all other activities on the Rewards Lobby screen. Enter your activity date, check the box next to the activity and click Submit to record your Healthy Points. At the end of the year, a program selected to benefit from your participation will automatically receive an allocation based on the total number of points you and all Montefiore associates have earned. In 2012, a donation based on points earned in 2011, will be made to the Children s Hospital at Montefiore. 5
6 Voluntary Benefits Program Montefiore offers voluntary benefits that provide you with direct access to a variety of products and services. You manage your benefits and can enroll at any time during the year. Commuter Benefits Program If you enroll in the Commuter Benefits Program, you can save money on your commutation expenses whether you use mass transit, drive or a combination of both. The savings come from the significant tax advantages you receive by paying your commuting expenses through pre-tax payroll deductions. Your contributions are automatically deducted from your paycheck before taxes are calculated and withheld lowering your taxable income and reducing the taxes you must pay! See how much you can save by using the WageWorks Commuter Benefits Calculator ( For more information contact WageWorks at or Critical Illness Insurance Critical Illness Insurance complements your medical and disability income coverage and can reduce the financial impact of disability or serious illness. A lump sum benefit is paid directly to you for the first occurrence of a covered critical illness. You have full control over how the benefit is used. Additional occurrence benefits are available for specific multiple medical conditions. Family coverage options are available. For information call Winston Financial at Disability Income Insurance Eligible 1199 Members can purchase additional insurance designed to coordinate with other disability benefits. Voluntary Short Term Disability Insurance through Transamerica Financial Life Insurance Company after 60 days of disability, you may receive benefits equal to 60% of your salary up to a maximum benefit of $5,000 each month for up to 365 days. Voluntary Long Term Disability Insurance through First Reliance Standard of New York after one year of disability, you may receive benefits equal to 60% of your salary up to a maximum benefit of $5,000 each month for as long as you remain disabled or up to age 65. For more information call the Voluntary Insurance Program (VIP) Service Center at Employment/Income Verification The Work Number is an automated service that allows you to provide proof of your employment and/or income, either online at or by telephone Montefiore s Employer Code is Employee Discount Program Automobile and Homeowners Insurance offered through MetLife and Travelers Insurance at group rates that may be lower than you could obtain on your own. For information contact Travelers ( or MetLife Auto & Home ( Credit Union Savings accounts, ATMs and loans at favorable rates plus a holiday club and a travel club. You may participate by payroll deduction. Health Club Membership Montefiore has made arrangements with various Health Clubs in the area. Up-to-date information is available on Montefiore s Intranet emontefiore Benefits Information, Human Resources, click on Employee Affinity/Discount Programs. Home Mortgage You may obtain below market origination fees and competitive rates for financing a home. LASIK Surgery Montefiore Laser and Eye Care Center at Montefiore Medical Specialists of Westchester offers LASIK Surgery discounts of 20% off of the regular charge for you and your family members. For information call
7 PerksCard offers you and your family discounts on products and services from nationally recognized merchants as well as local businesses. There are no fees to register and you pay nothing to use the card. Contact Perkscard at or online at Plum Benefits Special offers on live entertainment with discounts on tickets for sporting events, theme parks, Broadway and more. You can complete an online profile and receive alerts about specific offers that might be of special interest to you. Register at Enter your home address and Access Code: ac Remember to use the Plum Benefits promotional code when you buy tickets from the box office, online or over the phone. Purchasing Power allows you to purchase new, brand-name computers, electronics and home appliances through the convenience of payroll deduction and home delivery direct from the manufacturer. Register online at or order by phone Wireless Discounts on service plans and products provided by: overizon o Connections offers monthly savings on qualifying TV, Internet & Voice bundles for your home. osprint o corporate code: HCMDA_MMC_ZZZ. Universal & Whole Life Insurance with Long Term Care Life Insurance offers financial protection for your family against possible financial hardship in the event of your death. Montefiore offers two different types of Life Insurance Universal and Whole Life. Both policies offer: Convenience You may arrange for automatic premium payments through payroll deduction. Portability You own your policy and can take it with you if you leave Montefiore, without any rate or coverage changes. Tax-Deferred Cash Value Accumulation A portion of your premium payments may be deposited into an interest earning account. The earnings on your account grow tax-deferred as long as the policy remains in force. Accessibility You may borrow against the cash value of your policy at a set rate of interest. While the loan is outstanding, you continue to earn interest on the remaining cash value, which helps offset the interest you pay on the loan. Dependent Coverage is available for your spouse and children. Long Term Care use a portion of your benefit to help cover the cost of qualifying long term care events. Optional Riders You may purchase and add to your policy. The differences are: Universal Life Insurance Variable Coverage You may increase or decrease the face value of your policy. Variable Premiums You may vary the amount and/ or timing of premium payments. Variable Interest Rate on Tax-Deferred Cash Value Accumulation. Whole Life Insurance Fixed Coverage Fixed Premiums Fixed Interest Rate on Tax Deferred Cash Value Accumulation. You can purchase Universal Life Insurance coverage at any time. Call the Voluntary Insurance Program Service Center at Sit down with a Professional Benefit Counselor to understand the appropriate coverage options available to you and your family. Benefit Counselors will be onsite throughout the Annual Benefits Enrollment Period. 7
8 This Overview provides only highlights of the Montefiore Medical Center Health Care Flexible Spending Account and Voluntary Tax Deferred Annuity 403(b) Plan and serves as a Summary of Material Modifications to the Summary Plan Description dated August 2010 describing the Montefiore Medical Center Health Care Flexible Spending Account and Voluntary Tax Deferred Annuity 403(b) Plan with respect to North Division Registered Nurses benefits. It describes benefit changes as well as additional Plan administrative information required by the Employee Retirement Income Security Act of 1974 (ERISA) and the Health Insurance Portability and Accountability Act (HIPAA). You can find additional information about the Health Care Flexible Spending Account and Voluntary Tax Deferred Annuity 403(b) Plan on Montefiore s Benefits Website at The actual provisions of the plans are governed by the legal documents. If there is a discrepancy between the information presented here, in the Summary Plan Descriptions and the legal documents, the legal documents will govern. Montefiore Medical Center expects to continue these plans indefinitely, but reserves the right to change, modify or terminate the Plans, in whole or in part, at any time and for any reason. In addition, the tax treatment of these benefits is subject to change without notice, as determined by federal, state or local tax authorities. Corporate Human Resources Division HR-Benefits Office 111 East 210th Street, Bronx, NY montebenefits@montefiore.org
For Your Benefit Benefits Overview Executives. Human Resources Benefits Office
Human Resources Benefits Office For Your Benefit 2012 Benefits Overview Executives As an eligible associate of Montefiore Medical Center (MMC), you will enjoy the advantages of an excellent benefit program.
More informationFor Your Benefit Benefits Overview Management, Physical Therapists, Security Guards, Non-Union Clerical Associates and Physician Assistants
Human Resources Benefits Office For Your Benefit 2012 Benefits Overview Management, Physical Therapists, Security Guards, Non-Union Clerical Associates and Physician Assistants As an eligible associate
More informationFor Your Benefit Benefits Overview House Staff Officers. Human Resources Benefits Office
Human Resources Benefits Office For Your Benefit House Staff Officers As an eligible House Staff Officer of Montefiore Medical Center (MMC), you will enjoy the advantages of an excellent benefit program.
More information2015 ASSOCIATE VOLUNTARY BENEFITS Executives, Physicians, Appointed Scientists and Dentists
Montefiore Medical Center An important part of Total Compensation at Montefiore includes the broad range of benefit and wellness programs that are available to its associates to: Support their physical
More informationAnnual Benefits Election Period
Annual Benefits Election Period November 9 November 30 How to Enroll You can enroll online at Montefiore s Enrollment Website www.montebenefits.com or call the Benefits Enrollment Call Center at 888.860.6166.
More information2011 Benefits Overview
Human Resources Benefits Office For Your Benefit 2011 Benefits Overview Registered Nurse Benefits Summary www.montefiore.org/whoweare/nursingstaff HR Recruitment & Staffing Montefiore Medical Center 3411
More information2017 BENEFITS PROGRAM SUMMARY EXECUTIVE ASSOCIATES AND PHYSICIANS
2017 PROGRAM SUMMARY EXECUTIVE ASSOCIATES AND PHYSICIANS Corporate Human Resources Division HR-Benefits Office Montefiore Medical Center 111 East 210 th Street Bronx, NY 10467-2490 montebenefits@montefiore.org
More informationFor Your Benefit Benefits Overview Management and Non-Union Clerical Associates, Physical Therapists, Security Guards, Physician Assistants
Human Resources Benefits Office For Your Benefit 2011 Benefits Overview Management and Non-Union Clerical Associates, Physical Therapists, Security Guards, Physician Assistants As an eligible associate
More informationMontefiore Mount Vernon Hospital Montefiore New Rochelle Hospital Schaffer Extended Care Center Welcome to Montefiore How to Enroll and Decision Guide www.mymontebenefits.com Your Gateway to Montefiore
More informationWELCOME TO Montefiore!
WELCOME TO Montefiore! Montefiore Benefits Program As an established leader in superior healthcare services with distinguished Centers of Excellence, Montefiore is consistently recognized by national publications,
More informationRegistered Nurses Guide to Retirement
2012 Retiree Benefits Program 2011 Retiree Benefits Program RETIREE BENEFITS Which Plans Continue During My Retirement? Who is Eligible for Retiree Health Benefits? How Much Will I Have to Contribute?
More informationA newsletter for IESC, Rexel, and Gexpro employees Fall 2010
A newsletter for IESC, Rexel, and Gexpro employees Fall 2010 What s New for 2011 Two medical plan choices: Blue Edge HSA and Blue Standard PPO. $0 prescription program: Obtain specific generic maintenance
More informationBenefits Program. Your 2010 Associate. The Annual Benefits Election Period is November 16 December 1. What s New in Brief!
Montefiore Human Resources ASSOCIATES Your 2010 Associate Benefits Program The Annual Benefits Election Period is November 16 December 1 Rising health care costs and the ability to access quality and affordable
More information2018 BENEFITS SUMMARY REGISTERED NURSES (NYSNA)
FOR YOUR BENEFIT ELIGIBILITY & ENROLLMENT HEALTHCARE MEDICAL PRESCRIPTION DRUGS DENTAL FSA/ BTA INSURANCE/PAID TIME OFF DISABILITY, LIFE & ACCIDENT INSURANCE PAID TIME OFF FINANCIAL SECURITY VOLUNTARY
More informationOpen Enrollment What you need to know to choose your benefits plan
Open Enrollment 2016 What you need to know to choose your benefits plan Today s Presentation Making Your Choice How Vitality Can Lower Your Costs Important Rules Flexible Spending and Dependent Care Accounts
More information2018 Benefits Highlights For Full-Time and ACA Eligible Employees
2018 Benefits Highlights For Full-Time and ACA Eligible Employees Your Guide to What s Changing and Your Benefits for 2018 Enrollment Health Care Income Protection And More... Know What s Changing for
More informationFor Your Benefit. Annual Benefits Election Period November 8 November 30, 2010 What s New in Brief! Human Resources Benefits Office
Human Resources Benefits Office For Your Benefit 2011 Associates Program Annual Benefits Election Period November 8 November 30, 2010 What s New in Brief! Medical Benefits Health Net HMO participants must
More information2015 Benefits Overview
Employee Benefits 2015 Benefits Overview Allina Health is proud to provide our employees competitive benefits that help support their health, savings and balance. Your benefits overview Allina Health is
More informationHighlights Healthcare Benefits Financial Protection Work/Life Benefits DSI Savings & Retirement. Benefits Highlights REV. 9/15
Benefits Highlights REV. 9/15 Daiichi Sankyo s Benefit Highlights Benefits Highlights Our benefits are part of what makes Daiichi Sankyo, Inc. (DSI) a great place to work. We are proud of our longstanding
More informationYOUR BENEFITS GUIDE. Benefit plans effective January 1, 2017, through December 31, 2017.
YOUR BENEFITS GUIDE Benefit plans effective January 1, 2017, through December 31, 2017. The Oakley Transport Benefits Package Benefits are an integral part of the overall compensation package provided
More informationOn the Road with Your Benefits
On the Road with Your 2018-2019 Benefits Hertz cares about you and your family, which is why we offer the Hertz Custom Benefit Program. We want you to have everything you need to get the most out of life.
More informationPart-Time Employees BENEFITS GUIDE
2015-2016 Part-Time Employees BENEFITS GUIDE We are excited to offer you a robust, comprehensive and flexible benefits package that can fit your needs and those of your family. Our most important goal
More information2016 BENEFITS SUMMARY
2016 BENEFITS SUMMARY The Fabick family appreciates the ongoing commitment of its employees and is pleased to offer a benefits program as part of an employee s total compensation package which includes:
More informationCOSE Health and Wellness Trust
COSE Health and Wellness Trust A self-funded benefit option for small group employers In Partnership with Medical Mutual For many small businesses, the current health insurance landscape provides limited
More information2017 Open Enrollment is October 31 November 18, 2016
Non-Union Support Staff and Local 2110 2017 Open Enrollment is October 31 November 18, 2016 Your Columbia University Benefits As a member of Non-Union Support Staff or Local 2110, you can take advantage
More informationEmployee Benefits Overview. Plan Year: July 1, June 30, 2019
Employee Benefits Overview Plan Year: July 1, 2018 - June 30, 2019 Welcome to BSI s 2018-19 Benefits Program! The success of BSI is directly related to talented and dedicated employees like yourself.
More informationFOREIGN SERVICE BENEFIT PLAN
FOREIGN SERVICE BENEFIT PLAN Summary of 2017 Benefits Health Plan Accredited by The FOREIGN SERVICE BENEFIT PLAN has Health Plan Accreditation from the Accreditation Association for Ambulatory Healthcare,
More informationMedicare Supplement Plan
Free to be confident Dear Prospective Member, Medicare Supplement Plan You re at a wonderful age. An age of freedom. An age of choices. Life after 65 can mean a whole new world of wonderful opportunities.
More information2017 Open Enrollment is October 31 November 18, 2016
TWU 2017 Open Enrollment is October 31 November 18, 2016 Your Columbia University Benefits As a member of TWU, you can take advantage of a comprehensive benefits package. Now is the time to review your
More informationchoose your U.S. BENEFITS in our
choose your U.S. BENEFITS in our Halliburton recognizes the driving force behind any successful organization is its people. One way Halliburton strives to attract, motivate and retain extraordinary people
More informationSanta Paula Unified School District (SPUSD) Health Savings Account (HSA) FAQs
Santa Paula Unified School District (SPUSD) Health Savings Account (HSA) FAQs Does SPUSD offer a Health Savings Account (HSA) option for medical benefits? Starting with the 2016-2017 Benefit Plan Year,
More informationMcGraw-Hill Education Rewards
1 McGraw-Hill Education Rewards Learn more about MHE Total Rewards inside. Our future creating learning experiences that inspire minds and foster achievement. Your future join a motivated team driven by
More information2018 Open Enrollment October 16 November 3, 2017
2018 Open Enrollment October 16 November 3, 2017 At Henkel, our employees are the cornerstone of our success and your well-being is a top priority. Henkel reviews its employee benefits program each year
More informationThe Benefits of Nielsen
2013 Highlights The following pages provide an overview of The Benefits of Nielsen Health, Insurance and Retirement Plans. Visit www.netbenefits.com/nielsen to: Access detailed information about your benefits
More informationFREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS Annual Enrollment GENERAL What s changing for 2017? How did Progressive determine the rates for our medical plans in 2017? Who can I cover on my benefits? Can I make a change
More informationOPEN ENROLLMENT QUICK GUIDE
OPEN ENROLLMENT QUICK GUIDE 2018 3 HUMAN RESOURCES 270-809-2146 412 Sparks Hall www.murraystate.edu/hr Welcome to Online Open Enrollment 2018! Open Enrollment is the annual opportunity for benefits eligible
More informationYour Benefits Connected
Annual Enrollment 2013: November 7 through 21 Your Benefits Connected It s Time to Review Your Verizon Benefit Options BenefitsConnection www.verizon.com/benefitsconnection Annual Enrollment will begin
More informationSavanna Energy Services. Your 2016 Guide to Benefits
S Savanna Energy Services Your 2016 Guide to Benefits Benefits at a Glance Copay: A fixed dollar amount you must pay for a specific service, such as an office visit or emergency room. Coinsurance: The
More information2017 BENEFITS OVERVIEW
2017 BENEFITS OVERVIEW for Full-time Employees (US) At State Street, we re focused on providing benefits that strike a balance between value, innovation and sustainability, so that we can support our employees
More informationMedicare Supplement Plan
Free to be confident Dear Prospective Member, Medicare Supplement Plan You re at a wonderful age. An age of freedom. An age of choices. Life after 65 can mean a whole new world of wonderful opportunities.
More informationWestlake Chemical 2019 BENEFITS GUIDE
Westlake Chemical 2019 BENEFITS GUIDE Westlake Chemical Benefit Guide What s Inside About This Guide...1 Your 2019 Benefits Summary...1 Eligible Dependents...1 When Coverage Is Effective...1 Medical Plan
More information2017 BENEFITS OVERVIEW for Part-time Employees (US)
2017 BENEFITS OVERVIEW for Part-time Employees (US) At State Street, we re focused on providing benefits that strike a balance between value, innovation and sustainability, so that we can support our employees
More informationPayFlex Health Care Flexible Spending Account (FSA)
PayFlex Health Care Flexible Spending Account (FSA) Want to help reduce your taxable income and increase your take home pay? Think about enrolling in a health care Flexible Spending Account (FSA). You
More informationSCANA offers competitive benefits options to all full-time employees.
Put your energy to work. 2019 Benefits Summary SCANA is committed to providing quality, cost-effective benefit choices to our team of dedicated employees who put their energy to work every day to meet
More informationCSX TRANSPORTATION 2018 BENEFITS
CSX TRANSPORTATION 2018 BENEFITS PENSION The CSX Pension Plan is a defined benefit retirement plan. This means the plan is designed to provide a certain amount of income at retirement based on a specific
More informationAt a Glance. Your 2017 Benefits. Your Stories. Your Benefits
At a Glance Your 2017 Benefits JPS Health Network / Acclaim Physician Group offers a comprehensive benefits package designed to meet the needs of you and your family. Use this guide to help you make your
More informationAnnual Benefits Enrollment is October 3 14, 2016.
John Deere and You: Annual Benefits Enrollment for 2017 John Deere is committed to providing comprehensive, valuable, and affordable benefits to you and your family through our Healthy Directions program.
More informationOpen Enrollment. November 1 to November 22, This guide provides general details about your health, dental and vision benefits.
Open Enrollment November 1 to November 22, 2017 Table of Contents General Information... 2-3 What s New for 2018...4 Wellness Rewards Program... 5 2018 Employee Premiums... 6 Health Plan Information...
More informationWe ve Got You Covered.
We ve Got You Covered. 2018 U.S. Health & Welfare Annual Enrollment November 6-17, 2017 UNDER ROOF The Newell Brands family is under one roof with a new benefits program for 2018. Here are the many valuable
More informationFORWARD RETIREE BENEFITS GUIDE INFORMATION FOR NEW NON-AGREEMENT RETIREES
MOVING 2012 FORWARD RETIREE BENEFITS GUIDE INFORMATION FOR NEW NON-AGREEMENT RETIREES 01 WELCOME WHAT YOU WILL FIND INSIDE: How to Enroll Medical Vision Dental Paying for Benefits 02 04 Prescription Drug
More informationHealthy Directions. Information for Employees
Healthy Directions Information for Employees U.S. Employees with Salaried Health Care Benefits Healthy Directions is our company s approach to health and health care. It provides two medical benefit plan
More information2017 Annual Enrollment Guide
2017 Annual Enrollment Guide Get Started Today Annual Enrollment is your opportunity to make decisions about your health and insurance coverage for next year. You can get started today by: Learning about
More informationCompass Group 2016 Benefits-at-a-Glance For Ongoing Enrollment
Compass Group 206 Benefits-at-a-Glance For Ongoing Enrollment We understand that each of our associates have unique needs. That is why Compass Group offers a variety of benefit options, plus tools and
More informationCustom Benefit Program Enrollment Guide
Hertz 2017-2018 Custom Benefit Program Enrollment Guide for Hawaii New Hires If you are covered by a collective bargaining agreement that has not provided for participation in all or some of the benefits
More informationFlexible Spending Accounts
V. Flexible Spending Accounts Table of Contents About This Section...1 An Overview of the Flexible Spending Accounts...2 How Flexible Spending Accounts Work...2 Your Deposits Use It or Lose It...2 How
More informationHSA Education & Enrollment Packet 2018
HSA Education & Enrollment Packet 2018 With a Health Savings Account (HSA), you ll pay less in taxes and increase your take-home pay. Take control over your health care dollars and open an HSA today! HSA
More informationSimple Facts About Medicare
Simple Facts About Medicare What is Medicare? Medicare is a federal system of health insurance for people over 65 years of age and for certain younger people with disabilities. There are two types of Medicare:
More informationConsumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document
More informationHealthPartners Empower Individual Health Plan. Summary of Benefits. Your health plan for choice, control and flexibility
SM HealthPartners Empower Individual Health Plan Summary of Benefits Your health plan for choice, control and flexibility Get affordable, comprehensive healthcare coverage with a HealthPartners Empower
More informationTake the Wheel. Benefits for the Road Ahead Open Enrollment Highlights Brochure
Take the Wheel Benefits for the Road Ahead 2017 Open Enrollment Highlights Brochure Start Your Engines This is your annual opportunity to ensure you and your family have the benefit coverage you need.
More informationHigh-Deductible Health Plan (HDHP) HealthFlex HDHPs
A FRESH APPROACH TO HEALTH CARE COVERAGE High-Deductible Health Plan (HDHP) HealthFlex HDHPs a general agency of The United Methodist Church A Different Type of Health Coverage By offering a HealthFlex
More informationHorizonBlue.com/FSA Flexible Spending Accounts
HorizonBlue.com/FSA Flexible Spending Accounts Tax Savings You Can Bank On Highlights Flexible Spending Accounts Flexible Spending Accounts (FSAs) are a convenient, before-tax way to pay for eligible out-of-pocket
More informationBenefits Open Enrollment Guide
Benefits Open Enrollment Guide 2018 Benefits Open Enrollment BENEFITS OPEN ENROLLMENT: November 1 - November 15, 2017 2018 It s About... Your Life. Your Benefits. Benefits Open Enrollment is Here As we
More informationCIBT 2012 Open Enrollment
CIBT Open Enrollment Open Enrollment is from November 21, 2011 to December 9, 2011. CIBT's Role Just as your life changes, so do your benefit needs. Don t miss your once-a-year opportunity to make new
More informationSpending Accounts. CYC Website
Spending Accounts Spending accounts allow you to pay for certain health care, dependent day care, and transportation and parking expenses with before-tax contributions from your pay: > Health Care Spending
More informationFlexible Spending Account Information Kit.
Flexible Spending Account Information Kit www.flores247.com As health care costs continue to soar, employers strive to find employee benefit programs that help reduce the financial burden put on employees.
More informationFrequently Asked Questions about the High Deductible (HDHP) HMO Plan with Health Savings Account (HSA)
Frequently Asked Questions about the High Deductible (HDHP) HMO Plan with Health Savings Account (HSA) The following questions and answers will help you better understand the High Deductible HMO Plan (HDHP)
More informationFrequently Asked Questions 2018 Annual Enrollment
The Annual Enrollment window will open on Monday, Oct. 9 to make 2018 benefit elections. Failure to enroll by Monday, Oct. 23 will result in no coverage for 2018. Visit windstreambenefits.com to enroll.
More information2015 HSA Plan Quick Guide
2015 HSA Plan Quick Guide The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the Health
More information2017 Assurant Benefits Program
2017 Assurant Benefits Program Guide for New Employees Eligibility for the Assurant Benefits Program Review the eligibility rules (MyAssurantBenefits.com > Benefits > Eligibility and Dependents) to determine
More informationWestlake Chemical Benefits Guide
Westlake Chemical Benefits Guide Westlake Chemical Benefit Guide What s Inside Your 2017 Benefits Summary...1 Your Eligible Dependents Include...1 Medical Plan Options...1 2017 Medical Premiums...1 2017
More information2019 HSA Guide. Read more inside! 2019 HSA Guide
The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the Health Savings Account and the
More informationHealth Savings Account (HSA) Plan User Guide
Page 1 Health Savings Account (HSA) Plan User Guide Welcome to Symantec s Health Savings Account (HSA) Plan You ve enrolled in the Health Savings Account (HSA) Plan, a medical plan option that represents
More informationYOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT
YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT Your health plan plus a health savings account JM Huber 2016 Offered by Cigna Health and Life Insurance Company or Connecticut General Life Insurance Company
More information2018 Open Enrollment. November NetApp, Inc. All rights reserved. NetApp Proprietary Limited Use Only
2018 Open Enrollment November 2017 1 Open Enrollment: November 1 15 NetApp Benefits My Life My Health My Wellbeing My Wealth 2 Today, We ll Cover What s new and changing for 2018 with your NetApp benefit
More information2015 Benefits Highlights
FEDERAL RESERVE BANKS www.federalreservebenefits.org 2015 Benefits Highlights What Employee Benefits Do the Federal Reserve Banks Offer?.... 2 Thrift and Retirement Benefits.... 3 Thrift Plan (401(k)
More informationGetting the most from your benefits all year long Benefits Guide
Getting the most from your benefits all year long 2014 Benefits Guide 2 of 18 Working with you to help you achieve your goals Understanding your benefits and getting the most from them is often easier
More informationHealth and Life Benefits Summary Plan Description First Data Corporation January 2016
Health and Life Benefits Summary Plan Description First Data Corporation January 2016 First Data Corporation (the Company or First Data ) is the plan sponsor of the plans described in this summary plan
More information2017 Annual Benefits Enrollment Enroll for 2017 benefits October 17 28, 2017
2017 Annual Benefits Enrollment Enroll for 2017 benefits October 17 28, 2017 Your CCBCC benefits are an important part of your overall compensation. Our benefit programs are designed to help you get healthy
More informationLife University - Benefits Overview PLAN YEAR
Life University - Benefits Overview PLAN YEAR December 2016 November 2017 1 Our employees are our most valuable asset. That s why at Life University we are committed to a comprehensive employee benefit
More informationJohn Deere and You: 2017 Benefits Enrollment for New Employees
John Deere and You: 2017 Benefits Enrollment for New Employees Congratulations on joining John Deere and welcome to the Healthy Directions benefit program. Healthy Directions has three essential components
More informationAssociate Guide to Retirement
2012 2012 Retiree Benefits Program RETIREE BENEFITS Which Plans Continue During My Retirement? Who is Eligible for Retiree Health Benefits? How Much Will I Have to Contribute? What Benefits do the Retiree
More informationCaring for those who Care. A Look at the 2018 Benefits and Rewards of Being an HCR ManorCare Employee
Caring for those who Care A Look at the 2018 Benefits and Rewards of Being an HCR ManorCare Employee BENEFITS Your Wellness Matters HCR ManorCare s benefits are a shared investment in your health and well-being.
More information2017 Benefits Overview
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions 2017 Benefits Overview (Updated July 2017) January 2017 Welcome! We are very excited at the possibility of having
More information2018 Open Enrollment. Local October 30 November 17, Benefits Effective January 1, Your Columbia University Benefits
2018 Open Enrollment October 30 November 17, 2017 Local 2110 Benefits Effective January 1, 2018 Your Columbia University Benefits As a member of Local 2110, you can take advantage of a comprehensive benefits
More informationFocus. Your health care plan is changing you must take action. Annual Enrollment for Annual Enrollment is October 24 November 18.
Focus Annual Enrollment for 2012 Annual Enrollment is October 24 November 18. Your health care plan is changing you must take action. During Annual Enrollment, you must make an election to choose a new
More informationEmployee Benefits Summary 2018
Medical and prescription drug coverage Dental plan Vision plan Flexible spending accounts Basic and optional life insurance Basic and voluntary AD&D insurance Disability coverage 401(k) retirement plan
More informationWelcome to our recorded presentation for Open Enrollment. NEXT SLIDE
Welcome to our recorded presentation for Open Enrollment. 1 Syracuse University s comprehensive benefit package is designed to offer flexibility and choice to meet the diverse needs of our employees. Open
More informationTEAM MEMBER BENEFITS. Benefits at Vidant Health. Medical. Tobacco Additional Premiums
TEAM MEMBER BENEFITS Benefits at Vidant Health Your benefits are a valuable part of the rewards of working here. To carry out the mission of the organization of improving the health and wellbeing of Eastern
More informationGerber Collision & Glass Benefit Package
Gerber Collision & Glass Benefit Package 2016-2017 Gerber Collision & Glass Benefits The benefits offered by Gerber Collision & Glass are designed to provide a comprehensive benefits package for you and
More informationIntroduction to the High Deductible Health Plan and Health Savings Account HDHP + HSA 10/24/2017
Introduction to the High Deductible Health Plan and Health Savings Account 2 Why are we introducing a new health plan? DID YOU KNOW? About 70% of employers offer an HDHP option HDHPs have become increasingly
More informationWorking. together. hand in hand.
Working together hand in hand. Welcome to The Methodist Health System Benefits Program 2018 Welcome! Enroll in Your Benefits Health Dental Vision Medical Expense or Limited Use Medical Expense Reimbursement
More informationHealthy Directions. Information for New Employees 2013
Healthy Directions Information for New Employees 2013 To: U.S. Employees with Salaried Health Care Benefits Healthy Directions is our company s approach to health and health care. Healthy Directions provides
More informationAnnual enrollment is Oct. 30 Nov. 10
Annual enrollment is Oct. 30 Nov. 10 Choices as unique as you are It s your chance to change your benefits for 2018. To get started, use the benefits checklist inside. More information will be provided
More information2019 Open Enrollment SSA. October 29 November 16, Benefits Effective January 1, Your Columbia University Benefits. Inside This Brochure
2019 Open Enrollment October 29 November 16, 2018 SSA Benefits Effective January 1, 2019 Your Columbia University Benefits As a member of SSA, you can take advantage of a comprehensive benefits package.
More informationFordham University Benefits Open Enrollment Overview for Local 153
Fordham University 2018 Benefits Open Enrollment Overview for Local 153 What We ll Cover Medical Plan Options A Closer Look at the Enhanced Standard Option A Closer Look at the Health Investment Option
More informationEducation & Enrollment Packet
2014 Education & Enrollment Packet HSA Basics A health savings account (HSA) is a tax-advantaged checking account that gives you the ability to save for future medical expenses or pay current ones. It
More informationSummary of Employee Benefits
Huntsville Memorial Hospital Benefits Program July 2017 June 2018 l ia r o m e M e l il v ts n u H r u Make yo! u o y r o f k r o w s it f e Ho s p it a l be n Eligibility & Enrollment Summary of Employee
More informationBenefits Overview. For U.S. Hourly Bargaining Employees Group 17
2016 Benefits Overview For U.S. Hourly Bargaining Employees Group 17 At Packaging Corporation of America (PCA), we recognize the importance of providing competitive benefits benefits that help you achieve
More informationMy Rewards Benefits Enrollment Guide. U.S. Team Members. My Pay/Recognition My Benefits My Work/Life My Career Growth
My Rewards U.S. Team Members My Pay/Recognition My Benefits My Work/Life My Career Growth 2018 Benefits Enrollment Guide 2 2018 Benefits Enrollment Guide - U.S. Contents Benefits Enrollment... Page 3 2018
More information