& Value. Go Mobile! Text ALTRUBEN to to watch the video! Don't have a smart phone? Program

Size: px
Start display at page:

Download "& Value. Go Mobile! Text ALTRUBEN to to watch the video! Don't have a smart phone? Program"

Transcription

1 2017 Total Rewards & Value Employee Benefit Program Go Mobile! Text ALTRUBEN to to watch the video! Don't have a smart phone? Go to:

2 Eligibility If you are an employee who is regularly scheduled to work at least 40 hours per pay period, you are eligible for benefits. Flex employees who average 30 or more hours per week, over the defined measurement period of 12 months, are eligible for medical coverage Annual Open Enrollment is the chance to review and update your benefit elections to keep in step with your needs. You also have options to change your benefits within 31 days of a Qualifying Life Event such as marriage, birth, divorce, death, or changing from full-time to part-time or vice versa. Medical Insurance Altru and Medica have created a unique network that delivers quality care, patient satisfaction and lower costs. Altru & You with Medica provides access to more than 40 primary care clinics and 17 hospitals in northeastern ND and northwestern MN. The plan designed for Altru employees is unique to us. Our self-funded medical coverage helps you and your family maintain your well-being. If members travel out of the plan s service area (Minnesota, North Dakota, South Dakota and western Wisconsin), and need care, they have access to Medica s Travel Program network. This nationwide network is one of the largest in the country. ALTRU & YOU WITH MEDICA SEMIMONTHLY CONTRIBUTIONS FULL-TIME PART-TIME Employee Only $41.30 $90.34 Employee Plus Child(ren) $ $ Employee Plus Spouse/ Domestic Partner $173.43* $254.96* Family $214.73* $338.64* CALENDAR YEAR DEDUCTIBLE IN-NETWORK OUT-OF-NETWORK Employee Only $500 $3,000 Family $1,000 $6,000 COINSURANCE 20%* 40%* CALENDAR YEAR OUT-OF-POCKET MAXIMUM (MAXIMUM INCLUDES DEDUCTIBLE) Employee Only $2,250 $6,000 Family $4,500 $12,000 Lifetime Maximum Unlimited COPAYS/COINSURANCE Preventive Care 100% 40%** e-visit $10 copay 40%** Primary Office Visit $30 copay 40%** Specialist Office Visit $60 copay 40%** Emergency Room $200 copay; 20% thereafter In-Network Benefit Urgent Care $100 copay; 20% thereafter In-Network Benefit Inpatient/Outpatient Services 20%** coinsurance 40%** coinsurance *Working spousal surcharge of $50 per pay period may apply **After deductible $25 tobacco surcharge per pay period applies if employee is a tobacco user Special Features Members of Altru & You with Medica have access to a great Health Club Credit, My Health Member Rewards, incentive program for wellness, special discounts on Altru's Weight Management Program and Health Coaching at the Sanny & Jerry Ryan Center for Prevention & Genetics.

3 PHARMACY BENEFITS RETAIL RX (34-DAY SUPPLY) Altru Network Medica Network Out-of-Network Generic Formulary $15 copay $15 minimum 40%* Brand Formulary $45 copay $45 minimum 40%* Non-Formulary $75 copay $75 minimum 50%* Speciality $200 copay $200 minimum No coverage ALTRU NETWORK RX OUT-OF-POCKET MAXIMUM Employee Only $1,500 Family $4,000 *After Deductible Specialty drugs are high-cost prescription medications and are typically used to treat complex, chronic conditions like cancer, rheumatoid arthritis and multiple sclerosis. Altru Network Pharmacies Five different in-network pharmacies are available to plan members. Altru Retail Pharmacy* (inside Altru Hospital) 1200 S. Columbia Road, Grand Forks, ND *All specialty medications must be filled here. Altru Clinic Pharmacy -Main Clinic (located in Altru Main Clinic) 1000 S. Columbia Road, Grand Forks, ND Altru Clinic Pharmacy - Family Medicine Center (located in Altru Family Medicine Center) 1380 S. Columbia Road, Grand Forks, ND Altru Family Medicine Residency Pharmacy 725 Hamline Street, Grand Forks, ND Altru Health System Pharmacy (inpatient pharmacy) 1200 S. Columbia Road, Grand Forks, ND Walls Pharmacy th Ave. South, Grand Forks, ND Go to mymedica.com for other (non-altru) in-network pharmacies. Dental Insurance Our self-funded dental coverage will provide you and your family affordable options for oral health. The plan is administered by Delta Dental of Minnesota. DELTA DENTAL OF MINNESOTA SEMIMONTHLY CONTRIBUTIONS FULL-TIME PART-TIME Employee Only $9.38 $11.26 Family $24.30 $26.41 CALENDAR YEAR DEDUCTIBLE PREMIER/PPO NON-NETWORK Employee Only $50 $50 Family $100 $100 CALENDAR YEAR MAXIMUM Per Person $1,000 $1,000 COVERED SERVICES Orthodontic Lifetime Maximum $1,500

4 Retirement Savings Plan 401(k) Altru offers a competitive, valuable 401(k) retirement savings plan. You are eligible for the 401(k) plan if you are in a full- or part-time position; you may able be eligible for the 401(k) plan if you are a flex or Under 20 employee who has worked at least 1000 hours in a calendar year. The 401(k) plan allows you to make pre-tax or Roth (after-tax) contributions. There is a match of 50% on the first 6% of pay. At the end of each year, if eligible, you will receive an automatic 3% contribution based on your total compensation for the year. You are *vested in the 401(k) once eligible and contributions are made. *Vested means all employee and employer contributions belong to you immediately. Life and AD&D Insurance Basic Employee Life and Accidental Death and Dismemberment (AD&D) Altru Health System provides employees with Basic Life and AD&D insurance through Lincoln Financial Group, which guarantees that loved ones, such as a spouse/domestic partner or other designated survivor(s), continue to receive part of an employee's benefits after a death. Your Life insurance benefit is 1x your annual salary up to a maximum, varied by class. If you are a benefit eligible employee, you automatically receive Life and AD&D insurance, at no cost to you, even if you elect to waive other coverage. Optional Life Eligible employees may purchase optional life insurance for themselves and their families. You may purchase optional life insurance for yourself up to 5x your annual salary, not to exceed 1million (basic and optional life combined). Evidence of lnsurability (EOI) may be required. You may purchase additional life insurance for your spouse in $5,000 increments up to $25,000 or the option of $5,000 or $10,000 for each eligible child. EOI may be required. Employee contributions are made through post-tax payroll deductions. OPTIONAL LIFE INSURANCE EMPLOYEE RATES/$1,000 (MONTHLY) SPOUSE RATES/$5,000 (MONTHLY) AGE EMPLOYEE AGE SPOUSE Younger than 30 $0.029 Younger than 30 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ * $ $5.21 TO CALCULATE HOW MUCH YOUR LIFE COVERAGE WILL COST: $ 1,000 = $ x Age Based rate = $ Benefit Elected Monthly Premium TO CALCULATE HOW MUCH YOUR SPOUSE LIFE COVERAGE WILL COST: $ 5,000 = $ x Age Based rate = $ Benefit Elected Monthly Premium CHILD LIFE INSURANCE PREMIUM RA1ES - $(MONTHLY) $5,000 for each eligible child $0.77 $10,000 for each eligible child $1.54

5 Income Protection Disability insurance protects a portion of your income if you become partially or totally disabled for a defined period of time Days: Voluntary Short Term Disability (VSTD) protects a portion of your income, up to 13 weeks. You may elect coverage to replace up to 66.67% of your income, up to a maximum benefit of $750 per week. Benefits begin on the first day of an accident and on the eighth day for an illness. (2017 will be the last year this benefit will be available.) Days: Short Term Disability (STD) benefits are provided to you at no cost. The Altru-paid STD provides a layer of protection between exhaustion of the VSTD (91 days) and Long Term Disability (Day 181). STD coverage begins following 90 days of disability and provides income replacement of up to 60%. 181 Days or Longer: Long Term Disability (LTD) insurance protects a portion of your income if you become partially or totally disabled for an extended period of time. The Altru-paid LTD replaces 60% of your income, up to a maximum of $15,000 per month. You must be sick or disabled for at least 180 days before you become eligible for a benefit payment. Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner (Certain exclusions, along with any pre-existing condition limitations, may apply). Refer to the SPD for plan specifics. Extended Sick Time (EST) The purpose of EST is to provide eligible employees with income protection for their own illness or injury that keeps them from work for more than a week. Exempt employees will receive 48 hours of EST at their date of hire. Each eligible employee will earn EST at a rate of.0254 hours per hour worked which is the equivalent of 48 EST hours a year if working 40 hours a week. EST is added to the employee's EST bank when the paycheck is issued. Used EST will be subtracted from the employee's earned time bank. Paid Parental Leave We offer three parental leave benefits that protect your income at 100% while you are able to care for and bond with a newborn or a newly adopted child.» Paid Maternity Benefit: Eligible employees will receive eight weeks of paid maternity leave to help the birth mother recover and bond with their newborn.» Paid Adoption Benefit: Eligible employees who are the primary caregiver will receive four weeks of paid adoption leave to bond with their newly adopted child. Eligible employees who are the secondary caregiver will receive two weeks of paid adoption leave.» Paid Paternity Leave: Eligible employees who are the father or secondary caregiver will receive two weeks of paid paternity leave to bond with their newborn. Paid Time Off (PTO) The purpose of PTO is to provide eligible employees with flexible, paid time off from work that can be used for needs such as vacation, personal or family illness, holidays, doctor appointments, school, volunteerism and other activities of the employee's choice. Each eligible employee will accrue PTO based on their length of service. PTO is added to a PTO bank when the paycheck is issued. Employees are able to use PTO hours as accrued. Used PTO will be subtracted from the employee's accrued time bank. PTO is accrued on worked time at the following levels for an employee working 40 hours a week: YEARS OF SERVICE EQUIVALENT ANNUAL ACCRUAL days = 192 hours days = 224 hours days = 256 hours In addition to accrued PTO employees with 15 years of service, will be recognized for their commitment by receiving a PTO splash of either PTO hours or the cash equivalent ranging from 16 to 40 hours (based on their scheduled hours) with each five year milestone. Time that is not covered by the PTO benefit, and for which separate policies and paid benefits exist, include funeral time and jury duty.

6 Flexible Spending Accounts Flexible Spending Accounts (FSAs) allow you to set aside pre-tax payroll deductions to pay for out-of-pocket health care expenses such as deductibles, copays and coinsurance, as well as dependent care expenses. This plan is administered by Discovery Benefits. Healthcare Flexible Spending Account (FSA) You can contribute up to $2,550 for qualified medical expenses with pre-tax dollars, which will reduce the amount of your taxable income and increase your take-home pay. The medical FSA allows a rollover of unused funds, up to $500, into the following Plan Year Dependent Care Flexible Spending Account (FSA) In addition to the Health Care FSA, you may opt to participate in the Dependent Care FSA as well-whether or not you elect any other benefits. The Dependent Care FSA allows you to set aside pre-tax funds to help pay for expenses associated with caring for elder or child dependents. With the Dependent Care FSA, you are allowed to set aside up to $5,000 to pay for child or elder care expenses on a pre-tax basis. General Rules and Restrictions In exchange for the tax advantages that FSAs offer,the IRS has imposed the following rules and restrictions for both Health Care and Dependent Care FSAs:» Your expenses must be incurred during the 2017 Plan Year. Your dollars cannot be transferred from one FSA to another.» You cannot participate in Dependent Care FSA and claim a dependent care tax deduction at the same time.» Dependent Care FSAs are "use it or lose it"-any unused funds will be forfeited. Health Care FSAs allow up to $500 in carryover.» You cannot change your FSA deduction in the middle of the Plan Year unless you experience a Qualifying Life Event such as marriage, divorce, birth of a child or change in cost of daycare. While FSA debit cards allow you to pay for services at point of sale, they do not remove the IRS regulations for substantiation. This means that you must always keep receipts and Explanation of Benefits (EOBs} for any debit card charges. Failure to provide proof that an expense was valid can result in your card being turned off and your expense being deemed taxable. COVERAGE CONTACT COVERAGE CONTACT Medical Dental Altru & You with Medica Delta Dental of Minnesota Group#: Retirement Altru Health System Human Resources 401(k), Alerus Financial HRhelpdesk@altru.org AltruLink.org/HR Flexible Spending Accounts Discovery Benefits Managed Care (Last Name A-K) or (Last Name L-Z) Life and AD&D Disability Lincoln Financial Group Employee Assistance Program Vital Workife Username: altru Password: member This brochure is intended to describe the eligibility requirements, enrollment procedures and coverage effective dates for the benefits offered by the Company. It is not a legal Plan document and does not imply a guarantee of employment or a continuation of benefits. While this brochure is a tool to answer most of your questions, full details of the Plans are contained in the Summary Plan Descriptions (SPDs) which govern each Plan's operation. Whenever an interpretation of a Plan benefit is necessary, the actual Plan documents will be used.

& Value Employee Benefit Program. Go Mobile! Scan with Your Smartphone to Access Enrollment Materials Online

& Value Employee Benefit Program. Go Mobile! Scan with Your Smartphone to Access Enrollment Materials Online 2018 Total Rewards & Value Employee Benefit Program Go Mobile! Scan with Your Smartphone to Access Enrollment Materials Online Eligibility If you are an employee who is regularly scheduled to work at least

More information

2015 BENEFITS AT A GLANCE Sinai Non-Union

2015 BENEFITS AT A GLANCE Sinai Non-Union 2015 BENEFITS AT A GLANCE Sinai Non-Union At LifeBridge Health - Sinai Hospital, we are proud of our diverse workforce and we want to make every effort to meet your diverse needs. We are pleased to present

More information

Cardinal Innovations Healthcare. Employee Benefits

Cardinal Innovations Healthcare. Employee Benefits Cardinal Innovations Healthcare Employee Benefits Cardinal Innovations Healthcare 2 Employee Benefits Summary Table of Contents Employee Benefits Programs..... 4 Eligibility Requirements Effective Date

More information

2016 BENEFITS AT A GLANCE Sinai Non-Union

2016 BENEFITS AT A GLANCE Sinai Non-Union 2016 BENEFITS AT A GLANCE Sinai Non-Union At LifeBridge Health - Sinai Hospital, we are proud of our diverse workforce and we want to make every effort to meet your diverse needs. We are pleased to present

More information

2017 Benefits. Your Health

2017 Benefits. Your Health 2017 Benefits Your Health Flexible Benefits You choose from a menu of benefit options and design a personalized benefits program. If you are a non-tobacco user and are enrolled in a Freddie Mac medical

More information

Employee Benefits All Regular Help Employees Excluding General Unit and Social Services Workers

Employee Benefits All Regular Help Employees Excluding General Unit and Social Services Workers Employee Benefits 2018 All Regular Help Employees Excluding General Unit and Social Services Workers Table of Contents Table of Contents About Your Benefits 3 Medical Benefits 4 Dental Benefits 10 Vision

More information

Westlake Chemical Benefits Guide

Westlake 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 information

USE BENEFITS THAT WORK TO ACHIEVE YOUR WELLNESS GOALS IN 2018

USE BENEFITS THAT WORK TO ACHIEVE YOUR WELLNESS GOALS IN 2018 2018 BENEFITS GUIDE FOR NEW EMPLOYEES USE BENEFITS THAT WORK TO ACHIEVE YOUR WELLNESS GOALS IN 2018 What s Inside Your Enrollment Checklist... INSIDE FRONT COVER Benefits That Work... PAGES 2 11 Additional

More information

Benefit eligibility for full time, part time and casual employees varies according to the different benefit plans.

Benefit eligibility for full time, part time and casual employees varies according to the different benefit plans. Benefit Eligibility Providers & Directors Summary of Benefits Applies to Physicians (all urgent care and appointment based practitioners; as well as Specialists), Family Nurse Practitioners, Physician

More information

For Your Benefit. A guide to our 2017 associate benefits package Open Enrollment At-A-Glance Guide 2017.indd 1

For Your Benefit. A guide to our 2017 associate benefits package Open Enrollment At-A-Glance Guide 2017.indd 1 For Your Benefit A guide to our 2017 associate benefits package 2016-5290 Open Enrollment At-A-Glance Guide 2017.indd 1 10/11/16 3:49 PM Our associate benefits We are pleased to offer our associates a

More information

RBC Wealth Management Benefits Highlights for Non-Financial Advisors

RBC Wealth Management Benefits Highlights for Non-Financial Advisors RBC Wealth Management Benefits Highlights for Non-Financial Advisors - 2017 RBC Wealth Management offers competitive, comprehensive benefits, many of which are briefly described below. To be eligible for

More information

EMPLOYEE BENEFITS GUIDE

EMPLOYEE BENEFITS GUIDE 2018 EMPLOYEE BENEFITS GUIDE IN THIS GUIDE Eligibility and Participation...1 Employee Eligibility Dependent Eligibility Enrolling and Making Changes to Your Benefits Semi-Monthly Costs for Coverage...2

More information

What s Inside. Visit HRConnectBenefits.com/US to review your options.

What s Inside. Visit HRConnectBenefits.com/US to review your options. 2018 BENEFITS GUIDE What s Inside 1. Carrier Information Page 2 2. Enrollment Information Page 3 3. Dependent Verification 4 4. Other Coverage Page 5 5. Wesco Benefit Plans Page 6 6. Medical Coverage Page

More information

2018 Benefits Summary

2018 Benefits Summary 2018 Benefits Summary The 2018 Koch Benefits Program 1 The Koch benefits program is designed to help you meet your financial needs both now and in the future. These benefits are an important part of your

More information

SCANA offers competitive benefits options to all full-time employees.

SCANA 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 information

Gerber Collision & Glass Benefit Package

Gerber 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 information

2018 Benefits at a Glance FULL-TIME EMPLOYEES

2018 Benefits at a Glance FULL-TIME EMPLOYEES 2018 Benefits at a Glance FULL-TIME EMPLOYEES Important Note CNA Benefits at a Glance provides highlights of the employee benefit programs available to you as a CNA employee. Neither this document nor

More information

Westlake Chemical 2019 BENEFITS GUIDE

Westlake 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 information

EMPLOYEE BENEFITS. Benefit plans effective January 1, 2018 December 31, Full-Time Employees

EMPLOYEE BENEFITS. Benefit plans effective January 1, 2018 December 31, Full-Time Employees EMPLOYEE BENEFITS Benefit plans effective January 1, 2018 December 31, 2018 Full-Time Employees Table of Contents Employee Benefits Overview... 3 Medical Insurance Plan... 4 Dental Insurance Plan... 6

More information

2018 MSD Benefits Overview

2018 MSD Benefits Overview 2018 MSD Benefits Overview This document is an outline of the coverage proposed by the carrier(s). It does not include all of the terms, coverage, exclusions, limitations, and conditions of the actual

More information

Veritas Management Group EMPLOYEE BENEFITS

Veritas Management Group EMPLOYEE BENEFITS Veritas Management Group EMPLOYEE BENEFITS Benefit plans effective February 1, 2017 January 31, 2018 Table of Contents How Benefits Work Benefits Eligibility... 3 Enrollment... 3 Changing Your Benefits

More information

Caring 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 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 information

All new non-faculty employees have a mandatory New Staff Orientation that they must attend. If you haven t already scheduled this session please call

All new non-faculty employees have a mandatory New Staff Orientation that they must attend. If you haven t already scheduled this session please call 1 All new non-faculty employees have a mandatory New Staff Orientation that they must attend. If you haven t already scheduled this session please call Staff Development at x7654 to do so. 2 How to locate

More information

BENEFIT SUMMARY 2018

BENEFIT SUMMARY 2018 BENEFIT SUMMARY 2018 In this issue Health Plans Summaries and Premiums Dental Plan Summary and Premiums Flexible Spending Account (FSA) Health Savings Account (HSA) Wellness Program and Employee Assistance

More information

Choices as unique as you are

Choices as unique as you are 2018 Benefits It s time to choose your benefits. To get started, use the checklist inside and also visit bswhbenefits.com. Choices as unique as you are Eligibility We offer a full menu of benefits to eligible

More information

The Benefits of Working at Great-West Financial and Empower Retirement

The Benefits of Working at Great-West Financial and Empower Retirement The Benefits of Working at Great-West Financial and Empower Retirement From health and well-being to income protection, long-term financial planning and work-life balance, Great-West Financial and Empower

More information

BENEFITS - SALARIED EMPLOYEES

BENEFITS - SALARIED EMPLOYEES At Huntington Ingalls Industries we are proud to offer exciting career and development opportunities, a safe and team-oriented work environment, and benefits to support the health and financial well-being

More information

Wilmington Health FT Regular Employees

Wilmington Health FT Regular Employees 2018 Benefits Digest Wilmington Health FT Regular Employees WELCOME We are pleased to provide you with the 2018 Benefits Digest booklet. This guide is intended to provide a summary of the benefit programs

More information

CSX TRANSPORTATION 2018 BENEFITS

CSX 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 information

2018 Benefits Package for New Employees

2018 Benefits Package for New Employees 2018 Benefits Package for New Employees Total Rewards At work. At home. At play. Begin to Make a Difference Join Prime Today Prime Therapeutics (Prime) is a thought leader in pharmacy benefit management.

More information

Focus on Benefits July 2016

Focus on Benefits July 2016 Focus on Benefits July 2016 INTRODUCTION In this brochure of information are the insurance benefits offered at School District of Reedsburg. We encourage you to take some time to read over this the information.

More information

Benefit eligibility for full time, part time and casual employees varies according to the different benefit plans.

Benefit eligibility for full time, part time and casual employees varies according to the different benefit plans. Primary Health Medical Group Providers & Directors Benefit Summary Applies to Physicians (all immediate care and appointment-based practitioners; as well as Specialists,) Family Nurse Practitioners, Physician

More information

COLUMBIA ST. MARY S 2016 New Hire Benefits Information

COLUMBIA ST. MARY S 2016 New Hire Benefits Information COLUMBIA ST. MARY S 2016 New Hire Benefits Information Welcome to Ascension We re glad you re part of the Ascension team! The associates who provide care at our ministries are special. A common bond connects

More information

choose your U.S. BENEFITS in our

choose 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 information

Salaried Team Total Benefits Summary

Salaried Team Total Benefits Summary Salaried Team 2018 Total Benefits Summary Compensation Gentex total compensation is engineered specifically for those of us wired with an ownership mentality mindset. Take a minute to study up it is innovative,

More information

*Verification may be required to confirm eligibility.

*Verification may be required to confirm eligibility. Benefits 2019 Introduction We are pleased to provide you with this summary of benefits. Our employees are our most important resource and CTA spends a substantial amount of money every year to provide

More information

Deductible plus $50 Deductible plus $50 40% after Deductible 1, 6. Deductible plus $50

Deductible plus $50 Deductible plus $50 40% after Deductible 1, 6. Deductible plus $50 204 Benefits Summary - RETIREMENT VISION PAID TIME OFF MEDICAL DENTAL LIFE DISABILITY RETIREMENT VISION PAID TIME OFF MEDICAL DENTAL LIFE DISABILITY RETIREMENT VISION PAID TIME OFF MEDICAL DENTAL LIFE

More information

2015 Benefits Overview

2015 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 information

BENEFITS OVERVIEW FOR FLORIDA SENIOR EXECUTIVES, FULL PROFESSORS, AND SENIOR SCIENTIFIC DIRECTORS

BENEFITS OVERVIEW FOR FLORIDA SENIOR EXECUTIVES, FULL PROFESSORS, AND SENIOR SCIENTIFIC DIRECTORS BENEFITS OVERVIEW FOR FLORIDA SENIOR EXECUTIVES, FULL PROFESSORS, AND SENIOR SCIENTIFIC DIRECTORS The Scripps Research Institute (TSRI) offers eligible employees a comprehensive benefits program. The program

More information

My Choice. Learn/know/Compare

My Choice. Learn/know/Compare My Choice Learn/know/Compare Enroll 2019 Benefits Enrollment 2 This is your opportunity to choose the benefits you want for you and your family. You must enroll within 30 days of Date of Hire or Status

More information

*Verification may be required to confirm eligibility.

*Verification may be required to confirm eligibility. Benefits 2018 Introduction We are pleased to provide you with this summary of benefits. Our employees are our most important resource and CTA spends a substantial amount of money every year to provide

More information

Health and Life Benefits Summary Plan Description First Data Corporation January 2016

Health 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 information

Important Information About Your 2013 Benefits Enroll or make changes November 26 December 7, 2012

Important Information About Your 2013 Benefits Enroll or make changes November 26 December 7, 2012 If you don t take action you will have no coverage for 2013. Important Information About Your 2013 Benefits Enroll or make changes November 26 December 7, 2012 Things to Know If you do nothing, you will

More information

2018 Benefit Summary

2018 Benefit Summary 2018 Benefit Summary Benefits Overview Knox College is proud to offer a comprehensive benefits package to eligible employees. Eligibility is based on employees scheduled to work 30 hours or more per week,

More information

2018 Benefits Highlights For Full-Time and ACA Eligible Employees

2018 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 information

City of Marietta 2018 BENEFITS OPEN ENROLLMENT REVIEW

City of Marietta 2018 BENEFITS OPEN ENROLLMENT REVIEW City of Marietta 2018 BENEFITS OPEN ENROLLMENT REVIEW ShawHankins Service Center- can answer questions on all benefits Available 8:30 am 5:00 pm during open enrollment ShawHankins Serivce Center can be

More information

my BENEFITS 2018 QUICK GUIDE

my BENEFITS 2018 QUICK GUIDE mybenefits 2018 QUICK GUIDE INTRODUCTION This is a quick reference guide to the benefits offered to eligible Eide Bailly staff members. Eligibility in any given plan is subject to the terms and conditions

More information

BENEFITS SUMMARY. Skilled Crafts (Unit 6)

BENEFITS SUMMARY. Skilled Crafts (Unit 6) BENEFITS SUMMARY Skilled Crafts (Unit 6) THE BENEFITS OF WORKING AT THE CSU This summary provides an overview of systemwide benefits generally available to Skilled Crafts (Unit 6) employees of the California

More information

BENEFITS SUMMARY. Skilled Crafts (Unit 6)

BENEFITS SUMMARY. Skilled Crafts (Unit 6) BENEFITS SUMMARY Skilled Crafts (Unit 6) THE BENEFITS OF WORKING AT THE CSU This summary provides an overview of systemwide benefits generally available to Skilled Crafts (Unit 6) employees of the California

More information

PACIFIC WESTERN TECHNOLOGIES, LTD. your employee benefits. at a glance

PACIFIC WESTERN TECHNOLOGIES, LTD. your employee benefits. at a glance PACIFIC WESTERN TECHNOLOGIES, LTD. your employee benefits at a glance 2011 Eligibility If you are an employee working 32 hours a week or more, you are eligible for all benefits outlined in this summary.

More information

Arkansas State University Benefits Program

Arkansas State University Benefits Program 2018 BENEFITS ENROLLMENT Arkansas State University Benefits Program This publication contains important information about your employee benefits program. Please read thoroughly. Table of Contents Welcome...2

More information

Wilmington Health BENEFITS DIGEST 2019 Advanced Practice Clinician

Wilmington Health BENEFITS DIGEST 2019 Advanced Practice Clinician Wilmington Health BENEFITS DIGEST 2019 Advanced Practice Clinician WELCOME We are pleased to provide you with the 2019 Benefits Digest booklet. This guide is intended to provide a summary of the benefit

More information

2017 Benefits & Wellness Guide

2017 Benefits & Wellness Guide 2017 Benefits & Wellness Guide 3 Welcome 4-8 Medical 9 Dental 10 Vision 11-12 Provided Coverage 13-15 Voluntary Plans 16 Financial Wellness 17 Additional Benefits 18 Life Event 19 Glossary 20 Contacts

More information

Savanna Energy Services. Your 2016 Guide to Benefits

Savanna 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 information

AGREEMENT BENEFITS INFORMATION FOR NEW HIRES

AGREEMENT BENEFITS INFORMATION FOR NEW HIRES AGREEMENT BENEFITS INFORMATION FOR NEW HIRES Labor Relations Version Date: February 3, 205 A new hire kit will be mailed to you about one to three weeks after you begin working at Union Pacific. This kit

More information

Veritas Management Group EMPLOYEE BENEFITS

Veritas Management Group EMPLOYEE BENEFITS Veritas Management Group EMPLOYEE BENEFITS Benefit plans effective February 1, 2016 January 31, 2017 Table of Contents How Benefits Work Benefits Eligibility... 3 Enrollment... 3 Changing Your Benefits

More information

Employee Benefits Overview The Office of Human Resources Employee Benefits Services

Employee Benefits Overview The Office of Human Resources Employee Benefits Services Employee Benefits Overview 2012 The Office of Human Resources Employee Benefits Services New Employees n Benefits Eligible Appointed 50% or more for at least 4 ½ months n Retirement Programs All benefits

More information

2016 GHI/HealthPartners Benefit Summary

2016 GHI/HealthPartners Benefit Summary 2016 GHI/HealthPartners Summary Full-time Non-Union, Non-Exempt & Exempt Employees Medical Coverage HealthPartners/GHI pays the majority of premiums, offering the following plan choices: Distinctions -

More information

Vision Service Plan. $10 Copay every 12 months. $25 Copay every 12 months. $130 allowance every 24 months

Vision Service Plan. $10 Copay every 12 months. $25 Copay every 12 months. $130 allowance every 24 months Vision Service Plan Bonner County will pay the cost of employee coverage. You may choose to cover dependents through a payroll deduction. Monthly costs are listed below. VSP Services Exam Lenses Frames

More information

2017 BENEFITS OVERVIEW for Part-time Employees (US)

2017 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 information

BENEFITS OVERVIEW FOR FLORIDA EMPLOYEES

BENEFITS OVERVIEW FOR FLORIDA EMPLOYEES BENEFITS OVERVIEW FOR FLORIDA EMPLOYEES The Scripps Research Institute (TSRI) offers eligible employees a comprehensive benefits program. The program provides a medical plan, dental plan, and life insurance

More information

2017 BENEFITS OVERVIEW

2017 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 information

2019 Open Enrollment

2019 Open Enrollment 2019 Open Enrollment Medical Overview Plans for 2019 The $2,700 High Deductible Plan (HSA) will remain the same The $3,000 Deductible PPO Plan will be increased to a $3,500 Deductible PPO Plan. The $950

More information

Summary of Employee Benefits

Summary 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 information

BENEFITS SUMMARY. Public Safety (Unit 8)

BENEFITS SUMMARY. Public Safety (Unit 8) BENEFITS SUMMARY Public Safety (Unit 8) THE BENEFITS OF WORKING AT THE CSU This summary provides an overview of systemwide benefits generally available to Public Safety (Unit 8) employees of the California

More information

TEAM MEMBER BENEFITS. Benefits at Vidant Health. Medical. Tobacco Additional Premiums

TEAM 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 information

Primary Health Medical Group Employee Benefit Summary 2015

Primary Health Medical Group Employee Benefit Summary 2015 Primary Health Medical Group Employee Benefit Summary 2015 Benefit Eligibility Benefit eligibility for full time, part time and casual employees varies according to the different benefit plans. Unless

More information

We ve Got You Covered.

We 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 information

$400/$1,200 (Embedded/Traditional) Eligible for Health FSA Coinsurance 90% covered after deductible 80% covered after deductible

$400/$1,200 (Embedded/Traditional) Eligible for Health FSA Coinsurance 90% covered after deductible 80% covered after deductible For U.S. Employees of CeleritiFinTech Services USA All benefits provided to employees of CeleritiFinTech Services USA are managed by Computer Sciences Corporation (CSC), which has outsourced all U.S. health

More information

Open Enrollment. and Summary of Material Modifications. prepared for

Open Enrollment. and Summary of Material Modifications. prepared for 2014 Open Enrollment and Summary of Material Modifications prepared for Medical, Dental, Vision, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program 2014 Open Enrollment and

More information

Phoenix Union High School District

Phoenix Union High School District Phoenix Union High School District Preparing Every Student for Success in College, Career and Life BENEFITS ENROLLMENT GUIDE Plan Year July 1, 2014 June 30, 2015 For Employees of the Phoenix Union High

More information

2018 Summary of Benefi ts

2018 Summary of Benefi ts 2018 Summary of Benefi ts Table of Contents Page 1..... Medical Plans Page 2..... Dental Plan Page 2..... Vision Plan Page 3..... Life Insurance Options Page 3..... Flexible Spending Accounts Page 3.....

More information

Annual enrollment is Oct. 30 Nov. 10

Annual 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 information

2018 Benefits Frequently Asked Questions

2018 Benefits Frequently Asked Questions 2018 Benefits Frequently Asked Questions General Q. I understand that I may choose to cover my dependent child(ren) does my child need to be a full- time student if over age 18? A. No. Health benefits

More information

Your PG&E Benefits Glossary of Technical Terms

Your PG&E Benefits Glossary of Technical Terms Your PG&E Benefits Glossary of Technical Terms Medical Plan Terms Acute medical condition Allowed amount Balance-billed charges A medical condition that involves a sudden onset of symptoms due to an illness,

More information

BENEFITS OVERVIEW FOR FLORIDA EMPLOYEES

BENEFITS OVERVIEW FOR FLORIDA EMPLOYEES BENEFITS OVERVIEW FOR FLORIDA EMPLOYEES The Scripps Research Institute (TSRI) offers eligible employees a comprehensive benefits program. The program provides a medical, dental, and vision plan, and life

More information

BENEFITS OVERVIEW FOR CALIFORNIA EMPLOYEES

BENEFITS OVERVIEW FOR CALIFORNIA EMPLOYEES BENEFITS OVERVIEW FOR CALIFORNIA EMPLOYEES The Scripps Research Institute (TSRI) offers eligible employees a comprehensive benefits program. The program provides a medical, dental, and vision plan, and

More information

2018 Benefits Open Enrollment: October 23 November 3

2018 Benefits Open Enrollment: October 23 November 3 2018 Benefits Open Enrollment: October 23 November 3 Campus Open Enrollment Benefits Fair Schedule Campus/Location Date Time University of New Hampshire School Monday 11:30 a.m. 1:00 p.m. of Law Concord

More information

2017 BENEFITS AT A GLANCE

2017 BENEFITS AT A GLANCE 2017 BENEFITS AT A GLANCE Full-time Benefit Information October, 2016 1 2016 Schwan s Shared Services, LLC. All Rights Reserved. 0122 revised 10/2016 As a part of achieving our Desired State at The Schwan

More information

BENEFITS SUMMARY. Academic Support (Unit 4)

BENEFITS SUMMARY. Academic Support (Unit 4) BENEFITS SUMMARY Academic Support (Unit 4) THE BENEFITS OF WORKING AT THE CSU This summary provides an overview of systemwide benefits generally available to Academic Support (Unit 4) employees of the

More information

C-6 School District. A National District of Character Twelve Years of Distinction in Performance

C-6 School District. A National District of Character Twelve Years of Distinction in Performance C-6 School District Achievement Character Excellence A National District of Character Twelve Years of Distinction in Performance What s Inside Benefits Overview 2014 This brochure provides an overview

More information

2016 Regions Benefits Enrollment FAQs

2016 Regions Benefits Enrollment FAQs 2016 Regions Benefits Enrollment FAQs Q: What happens if I don t enroll during the open enrollment period? A: If you don t enroll between November 2 nd and November 13th, you will NOT have coverage for

More information

2018 Benefit Highlights. Consulting Staff

2018 Benefit Highlights. Consulting Staff 2018 Benefit Highlights Consulting Staff Working at Mayo Clinic Health System is making a difference. It s providing the highest quality patient care by placing the needs of the patient first. At Mayo

More information

Full-time Employee Benefit Guide

Full-time Employee Benefit Guide Full-time Employee Benefit Guide E ff e c t i v e J a n u a r y 1, 2 018 FT-EBG15C FULL-TIME EMPLOYEE BENEFIT GUIDE Contents Page Mission, Vision & Commitment Statements...3 Our employees are our most

More information

2017 EMPLOYEE BENEFITS GUIDE

2017 EMPLOYEE BENEFITS GUIDE 2017 EMPLOYEE BENEFITS GUIDE Medical Coverage ImmediaDent offers medical coverage through Blue Cross Blue Shield of Kansas City, a national healthcare company. Members have access to a nationwide network

More information

Open Enrollment. November 5 to November 23, pg. 1

Open Enrollment. November 5 to November 23, pg. 1 Open Enrollment November 5 to November 23, 2018 pg. 1 Table of Contents General Information. 3 Open Enrollment Checklist.. 4 What s New for 2019?... 5 NEW Optional Life Insurance. 6 2019 Employee Premiums

More information

2017 NEW HIRE BENEFIT GUIDE

2017 NEW HIRE BENEFIT GUIDE 2017 NEW HIRE BENEFIT GUIDE Welcome to The MAPP Group, LLC The MAPP Group, LLC knows how important it is to provide quality employee benefits to our employees and their dependents. We always strive to

More information

NEW for 2019 High Deductible Health Plan

NEW for 2019 High Deductible Health Plan NEW for 2019 High Deductible Health Plan In addition to the Standard and Choice PPO plans, Larimer County will be offering a third option for the 2019 plan year. What? Why? The IRS defines a high deductible

More information

My Rewards Benefits Enrollment Guide. U.S. Team Members. My Pay/Recognition My Benefits My Work/Life My Career Growth

My 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

2017 Open Enrollment is October 31 November 18, 2016

2017 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 information

OPEN ENROLLMENT Chester County Hospital

OPEN ENROLLMENT Chester County Hospital OPEN ENROLLMENT Chester County Hospital April 24 May 7, 2017 Make Your Elections Online by May 7! Open Enrollment is just around the corner. Now is the time to understand the benefits available to you,

More information

Employee Benefits Summary 2018

Employee 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 information

Benefits Overview Employee. Life and Accident Short-Term Disability Flexible Spending Accounts (FSAs)

Benefits Overview Employee. Life and Accident Short-Term Disability Flexible Spending Accounts (FSAs) 2016 Employee Benefits Overview Medical & Prescription Coverage Wellness Program Dental Life and Accident Short-Term Disability Flexible Spending Accounts (FSAs) Universal Life Shared Leave Important Contacts

More information

Focus on Benefits. U.S. Companies Regular Full- and Part-time Members. Foth Health Benefits Vision Statement

Focus on Benefits. U.S. Companies Regular Full- and Part-time Members. Foth Health Benefits Vision Statement Focus on Benefits U.S. Companies Regular Full- and Part-time Members Foth Health Benefits Vision Statement Our health plan, as part of our overall compensation program, will support the acquisition and

More information

2017 Physician Benefits Overview

2017 Physician Benefits Overview Employee Benefits 2017 Physician Benefits Overview With Be Fit, Allina Health provides benefits that support the total well-being of you and your family members. It s all about your well-being. Well-being

More information

Life University - Benefits Overview PLAN YEAR

Life 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 information

2016 Employee Benefits Overview

2016 Employee Benefits Overview 2016 Employee Benefits Overview In addition to receiving a competitive salary and having an equal opportunity for professional development and advancement, you are eligible to enjoy other benefits as a

More information

Blount Open Enrollment Guideline

Blount Open Enrollment Guideline Blount Open Enrollment Guideline Enrollment dates: November 7 11, 2016 Benefits effective 01/01/2017 1. Medical Plan Options United Healthcare Plan A United Healthcare Plan B with Health Savings Account

More information

Enrollment Procedure

Enrollment Procedure 2017 Benefit Guide Enrollment Procedure Due to Federal Regulations, all benefit eligible employees are REQUIRED to enroll online to confirm their choices. This includes employees who are not making any

More information

The Leona Group Medical Benefit Plan Design

The Leona Group Medical Benefit Plan Design The Leona Group 2015-2016 Medical Benefit Plan Design PLAN NAME BASE PLAN BUY-UP PLAN CONSUMER-DRIVEN PLAN Provider Network Choice Choice Choice In -Network Out-of-Network In -Network Out-of-Network In

More information