Manatee County Government

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1 Manatee County Government RETIREE 2017 Benefits Information Kit Summary of Coverage Summary of Coverage Enrollment Handbook is issued as a brief description of the Coverage provided under the Manatee Your Choice Benefit Plan. It should be understood that this Summary is not a legal contract and does not contain all the Plan details. The Provisions principally affecting you as described herein are subject to all the terms, conditions and provisions of the Plan Document and Insurance Policies. You are entitled to this coverage if you are eligible in accordance with the Plan Document. No clerical or verbal error will invalidate your coverage, if otherwise validly enforced. 1

2 2017 Retiree Benefits Information Congratulations! You are now at a point when you must make some very important decisions regarding retirement from Manatee County Government. The information presented here is based only upon your service with Manatee County Government. If you have prior employment with another employer, such as the Federal Government, it will be necessary to review that employer s Medical Benefit Program and the cost prior to selecting whether to participate in the Manatee County s Medical and/or Dental Program or another program Retiree Manual Section 1-Retiree Eligibility Rules... 4 Section 2-Retiree Premium Assistance... 7 Section 3-Medical Plan Options Under age Section 4-Levels of Reimbursement - Your Choice PlanMedical Plan Options Age 65 and Older...9 Section 5-Medical Plan Options Age 65 and Older Section 6-Premium Rates Section 7-Manatee Your Choice Dental Section 8-Summary of Other Benefits..18 Section 9-Contact Information.. 19 FOR ADDITIONAL INFORMATION: Employee Health Benefits Division th Avenue Circle East Bradenton, FL (941) extension 6404, FAX (941)

3 Amending or Terminating the Plan General Retiree Plan Information The provisions of the Manatee County Government Health Benefit Plan remain in effect until changed by action of Manatee County Government. Manatee County Government reserves the right, at any time, to terminate, suspend, withdraw, amend, or modify the Plan in whole or in part, subject to the applicable provisions of the Plan. The Plan will provide 30 days written notice of any changes to the Plan. 3

4 SECTION 1 ELIGIBILITY Plan Sponsor The Board of County Commissioners is the Plan Sponsor of the Manatee County Government s YourChoice Medical and Dental Plan. Manatee County also procures fully-insured options for Retirees through Transamerica (Medicare Supplement Part F) and Aetna (Medicare Rx Coverage Part D). Additionally, Manatee County utilizes a Private Exchange platform, Towers Watson s One Exchange, for Retirees who wish to enroll in an individual Medicare plan which include a Healthcare Reimbursement Account funded by Manatee County for those who are eligible. For the purpose of this program, Manatee County Government consists of the following Constitutional Officers and Agencies: Board of County Commissioners, Clerk of the Circuit Court, Manatee Sheriff Office, Manatee Tax Collector, Manatee Property Appraiser, Port Authority, Supervisor of Elections, Housing Authority and Metropolitan Planning. This is a Summary of Retiree Eligibility Rules for Retirees employed with Constitutional Officers and Agencies referred to as Manatee County Government. Retiree Eligibility Rules Retired employees who were participating in the Plan on the day before their retirement date and who are eligible for and receiving the periodic payment of benefits from the Florida Retirement System without penalty are eligible for enrollment in the Plan. The Employee must elect immediately* to receive FRS Benefits under the following eligibility guidelines: The Retiree is vested in the FRS Pension Plan as determined by FRS and is leaving County service to receive normal, early or disability retirement benefits; or, The Retiree is vested in the FRS Investment Plan, is leaving County service and either meets the age and/or years of service requirements to qualify for Normal Retirement or has the required number of creditable service years to be vested (as defined by the Pension Plan) and is age 59 ½. Retiree benefits are only available for re-enrollment a second time if, a retiree who is actively enrolled in retiree medical benefits, is rehired and enrolls as an Active Employee in the YourChoice health plan. If no break in coverage occurs, then the employee may re-enroll in retiree benefits once they separate from service the second time. *Employees who retired prior to 12/31/2013, were able to defer FRS benefits at the time of termination of employment and subsequently defer enrollment in the retiree health plan. These applicable employees are eligible to apply for participation in the medical plan upon electing to receive FRS benefits at a later date. The Retiree must apply for medical benefits within 30 days of the Effective Date of FRS benefits to be eligible to enroll in the Medical Plan and/or Dental Plan. 4

5 FRS Normal Retirement Guidelines Enrolled in FRS prior to 7/1/2011: Age 62 with at least 6 years; or 30 years of service, regardless of age; or Enrolled in FRS on or after 7/1/2011: Age 65 with at least 8 years of service; or 33 years of service, regardless of age. A Special Risk Class member will be eligible as follows: Enrolled in FRS prior to 7/1/2011: Age 55 with at least 6 years of service; or, 25 years of Special Risk Service, regardless of age; or Age 52 and have 25 years of Special Risk Service and military experience. Enrolled in FRS on or after 7/1/2011: Age 60 with at least 8 years of Special Risk service; or 30 years of Special Risk service, regardless of age; or Age 57 and have 30 years of Special Risk service and military service. Dependent Eligibility Rules A retired employee s eligible dependent(s) may be added to the Plan at time of retirement, during Annual Enrollment or within 30 days of an IRS approved qualifying Family Status Change. Eligible Retiree Enrollment and Payment Overview It is recommended that an Eligible Retiree submit the application at least 30 days prior to the last day of work in order to have continuous coverage as a Retiree in the County s Medical/Dental Plan. There is a 30-day grace period for late enrollment for Retiree Benefits beginning with the last day of work. Upon the termination of employment, benefits will be temporarily suspended, effective at midnight the last day of the month the employee worked, until a new Retiree Enrollment Application is completed and applicable premium(s) are received by Employee Health Benefits. During the 30- day Grace Period there may be a lapse of coverage for the employee electing to enroll in FRS upon termination of employment until enrollment is completed. Medical Coverage is retro-active to the last day of coverage as an Active Employee with the completion of a new application and payment of all premiums. Partial payments are not accepted. In addition, any retiree, who after receiving notice of outstanding premium payment(s), and who thereafter continues to owe premiums, shall be dropped from the Plan 45 days from the initial notice. 5

6 Surviving Spouses of Eligible Retirees Upon death of an Eligible Retiree, a Surviving Spouse, who is then-enrolled as an Eligible Dependent, may remain eligible for coverage under the Plan, as long as the spouse is not enrolled in any other similar plan (except Medicare) and pays the Surviving Spouse premiums. If this spouse is enrolled in any other plan, he or she will no longer be eligible for Coverage under this Plan as of the last day of the next month following the month of the retiree's death. Only dependents of the Surviving Spouse enrolled in the Plan at the time of death of the Retiree are eligible for coverage in the Plan according to the Plan Document. Surviving Spouse s Dependent coverage terminates on the last day of the month of the Death of the Surviving Spouse. Surviving Married Retiree In the event two Eligible Retirees are married and one dies, the surviving Retiree continues as Retiree Only. New Hire Retiree Coverage Retiree Medical/Dental Benefits are not guaranteed to an employee hired after January 1, Re-Enrollment Medical/Dental Plan Once a Retiree terminates their enrollment in one of the County s Retiree Medical or Dental Plan options, there is no option to re-enroll past the 30 day grace period. 6

7 SECTION 2 RETIREE PREMIUM ASSISTANCE Both Florida Retirement System and Manatee County offer premium subsidies for those retirees who qualify. Florida Retirement System Health Insurance Subsidy (HIS) The Florida Retirement System (FRS) subsidizes each eligible retiree $5.00 per month for every year of service up to 30 years (not including years in DROP), upon providing proof of medical insurance.* Therefore, a retiree with 30 or more years of service will receive $150 per month, included in their monthly pension payment, to assist with the cost of medical insurance premiums. *Manatee County notifies the FRS annually of all retirees enrolled in the County's medical plan. A Retiree enrolled in any other Medical Insurance plan must annually provide proof of coverage to the FRS to be eligible for the FRS Health Insurance Subsidy (HIS) program. Manatee County Premium Subsidy An employee eligible for and electing to enroll in retiree medical benefits and who has at least ten (10) years of service with Manatee County Government or a participating Agency is eligible to receive a medical insurance premium subsidy at the effective Date of Retirement. The Board of County Commissioners annually reviews the Premium Assistance Program. At any time, by providing 30 days written notice to participating retirees, the Board of County Commissioners may change the Premium Assistance Program. It should be noted that it has been the intention of the Board of County Commissioners to gradually reduce the subsidy offered to retirees in order to maintain a solvent plan. Retiree Automatic Deduction It is recommended that retirees arrange for Auto Deduct from their monthly FRS pension to pay for their retiree medical and dental premiums. For more information contact Employee Health Benefits, at (941) , ext

8 SECTION 3 MEDICAL PLAN OPTION FOR RETIREES AND COVERED DEPENDENTS UNDER AGE 65 A former Manatee County employee under Age 65 may continue the identical YourChoice Medical, Prescription and Dental Plan they were enrolled in as of the last date of their employment with Manatee County Government. Dependents of the retiree are also eligible to participate in the Retiree YourChoice Health Plan at the time of the employee s retirement, within 30 days of a qualified family status changes or at Annual Enrollment. Qualifying Events Retirees and covered dependents under age 65 are required to complete Qualifying Events for plan level assignment. The Qualifying Events Rules for a Retiree and/or participating Dependent(s) are identical to an Active Employee. Health Bucks A Retiree s Health Bucks earned as an active employee terminate on the day of Retirement. 8

9 SECTION 4 YOUR CHOICE HEALTH PLAN 2017 LEVELS OF REIMBURSEMENT FOR UNDER OR OVER 65* In-Network Aetna POSII (Open Access) *Primary for under 65 and secondary coverage for over 65 or Disabled. Ultimate Plan Best Plan Better Plan Basic Plan A. Physician Services and Other Benefit Individual Cost Sharing Deductible None $250 $500 $1,000 Coinsurance* (after Deductible) None 20% 25% 50% Annual Individual Out-of-Pocket (after Copay & Deductible, except Inpatient $1,400 $1,800 $2,400 $5,000 Primary Care and Specialty Physicians Office Visit $25 Co-pay $25 Co-pay Ded. & Coin. Ded. & Coin. Lab & X-ray No co-pay Ded. & Coin. Ded. & Coin. Ded. & Coin. Alternative Care Benefits- Nutritional Therapy Maximum Annual Benefit per 20 Visits per calendar year** Service Copay per Visit $0-visits 1-5 $25/visit beyond Alternative Care Benefits- Physical Therapy Maximum Annual Benefit per Service 9 $0-visits 1-5 $25/visit beyond $0-visits 1-5 $25/visit beyond $0-visits 1-5 $25/visit beyond 20 Visits per calendar year**. Note: The 20 visits per calendar year include the maximum 5 visits per calendar year allowed for Physical Therapy performed at an outpatient hospital/facility. Copay per Visit $0-visits 1-5 Ded. & Coin Ded. & Coin Ded. & Coin $25/visit beyond Alternative Care Benefits- All Other Maximum Annual Benefit 20 Visits per therapy per calendar year**: Chiropractic, Acupuncture, Massage, and Occupational Therapy 5 max per calendar year at outpatient hospital/facility for Occupational Therapy. Copay per Visit $25.00 per visit Ded. & Coin Ded. & Coin Ded. & Coin B. Hospital Benefits (Facility Only) Individual Cost Sharing Deductible per Confinement None $250 $250 $1,000 Coinsurance None 20% 25% 50% Maximum out of Pocket after Deductible, per confinement None $1,000 $1,200 $3,000

10 *Coinsurance is the percentage of the cost for a covered service. A coinsurance of 20% means 80% of the covered cost is the Plan s responsibility and 20% is the member s responsibility (80%/20%, 75%/25%, 50%/50%). ** 20 Visits per calendar year is for in-network and out-of-network combined Out of Network Benefits Ultimate Plan Best Plan Better Plan Basic Plan A. Physician Services and Other Benefit Deductible $500 $750 $1,000 $2,000 Coinsurance* (after Deductible) 20% 20% 25% 50% Annual Individual Out-of-Pocket $2,800 $5,000 $7,200 $10,000 (after Deductible) Primary Care and Specialty Physicians Office Visit Ded. & Coin. Ded. & Coin. Ded. & Coin. Ded. & Coin. Lab & X-ray Ded. & Coin. Ded. & Coin. Ded. & Coin. Ded. & Coin. Alternative Care Benefits- Nutritional Therapy Maximum Annual Benefit per Service Not Covered Not Covered Not Covered Not Covered Alternative Care Benefits- Physical Therapy Maximum Annual Benefit per Service 20 Visits per calendar year**. Note: The 20 visits per calendar year include the maximum 5 visits per calendar year allowed for Physical performed at an outpatient hospital/facility. Alternative Care Benefits- All Other Maximum Annual Benefit per Service Copay per Visit Ded. & Coin. Ded. & Coin. Ded. & Coin. Ded. & Coin. 20 Visits per therapy per calendar year**: Chiropractic, Massage, and Occupational Therapy 5 max per calendar year at an outpatient hospital/facility for Occupational Therapy. Acupuncture not covered Ded. & Coin. Ded. & Coin. Ded. & Coin. Ded. & Coin. B. Hospital Benefits (Facility Only) Individual Cost Sharing Deductible per Confinement $250 $750 $1,000 $2,000 Coinsurance 20% 20% 25% 50% Maximum out of Pocket after Deductible, per confinement $2,550 $2,450 $2,600 $3,000 *Coinsurance is the percentage of the cost for a covered service. A coinsurance of 20% means 80% of the covered cost is the Plan s responsibility and 20% is the member s responsibility (80%/20%, 75%/25%, 50%/50%). ** 20 Visits per calendar year is for in-network and out-of-network combined 10

11 Your Choice Prescription Benefit Plan for 2017 Network Non Network Pharmacies Pharmacies Generic Medications Tier 1 Brand Medications Tier 2 Non- Formulary Medications Tier 3 Specialty Medications Specialty Tier 4 $5 copay $15 or 25% coinsurance $40 or 45% coinsurance 25% coinsurance Max $150 copay $15 or 20% coinsurance $20 or 30% coinsurance $50 or 55% coinsurance 25% coinsurance Max $150 copay Mail Order $18.00 or 15% $38.00 or 25% $100 or 50% 25% Coinsurance, Max $150 *The cost of the medication is the higher of the copay or the coinsurance. A maximum member cost of $100 for Tiers 1-3 and a maximum member cost per prescription of the greater of $150 or the manufacturer s coupon for Tier 4 Coinsurance typically prevails. Maximum Out of Pocket -$1400 per member/$2,800/family for Tier

12 SECTION 5 MEDICAL PLAN OPTIONS FOR 65 AND OVER MEDICARE ELIGIBLE RETIREES AND COVERED SPOUSES Manatee County provides a Medicare eligible retiree 3 options for Medical coverage during eligible retirement. Each plan provides a different level of benefit for medical and prescription coverage. ONE EXCHANGE Access to Individual Medicare Plans including Medicare Advantage and Medicare Supplement Plans and Individual Medicare Part D Prescription Plans. One Exchange is a service provider contracted with the County to provide guidance, education and support in exploring a variety of individual Medical, Prescription, Dental and Vision plans to supplement your Medicare coverage. One Exchange employs Benefit Advisors that will work with you to gather information about your medical and prescription needs and then provide you with a variety of plan options to best suit those needs. The Plans available through this option may allow you to reduce your premiums while still giving you the coverage you need. Despite these plans being individual options, by utilizing them through One Exchange, the retiree continues to remain under the County s umbrella of retiree medical care options. TRANSAMERICA Access to a Group Medicare Supplement Plan F through TransAmerica combined with a Medicare Part D Group Prescription Drug Plan through Aetna. The Aetna Part D plan offered with TransAmerica does not contain a gap (donut hole). Coverage is provided at all times. YOURCHOICE HEALTH PLAN This is the same plan you utilized as an active employee, but as a retiree eligible for Medicare, you would use this plan as your secondary coverage. This plan utilizes the Aetna POS II Open Access Network. This plan is the most expensive of the 3 options and retirees are encouraged to explore the other two options for coverage. Disabled Retiree A disabled retiree under age 65 and enrolled in Medicare Part A & B is eligible to elect the Transamerica or the One Exchange Medicare Supplement Plan. Disabled Retirees under age 65 must enroll in Part B when eligible. If a Retiree is eligible for Medicare, then Medicare is always primary, regardless of Retiree age. 12

13 SECTION 6 - PREMIUM RATES FOR UNDER AND OVER 65 The Board of County Commissioners approved the following monthly medical and dental premium rates effective January 1, Tier 2017 Retiree Medical Options YourChoice Health Plan: Under or Over age 65 Total Premium Retiree Share County Share Retiree with 10+ years of service $ $ $ Retiree with under 10 years of Service or Retiree Survivor $ $ $0.00 Spouse Only (excluding Retiree) $ $ $0.00 Child(ren) Only (excluding Retiree) $ $ $0.00 Spouse and Child(ren) (excluding Retiree) $1, $ $ Retiree/Spouse/Children $1, $1, $ One Exchange: Individual* Medicare Plans: 65 and Over TIER Retiree Share County Subsidy** Retiree with 10+ years of service Varies by plan, age and location $ Retiree under 10 years, Retiree Spouse, Retiree Survivor Varies by plan, age and location $0.00 *Subsidy administered via a Healthcare Reimbursement Acct. Tier Transamerica/Aetna Prescription Drug: Group Medicare Supplement: Age 65 and Over County Retiree Share Subsidy Retiree with 10+ years of service $ Varies by age Retiree under 10 years, Retiree Spouse, Retiree Survivor Varies by age 0 Bankers/Aetna Prescription Drug: Group MediGap: Age 65 and Over NOTE: Prior to 2010, Bankers Life and Causality offered a Medicare Part B Supplement for eligible retirees; however, they discontinued writing new group policies and therefore, only those enrolled prior to 2010 are eligible to utilize Bankers as the Medical Supplement Plan. County Tier Retiree Share Subsidy Retiree with 10+ years of service $ Varies by age Retiree under 10 years, Retiree Spouse, Retiree Survivor Varies by age $

14 Retirees under 10 Years of Service and/or enrolled dependents The premium rate charged for retirees with under 10 years of service and/or dependents are according to Transamerica and Bankers Premium Schedule. The premium will vary depending on the age of the retiree and/or dependents, whether they are a smoker or non-smoker, and area (zip code) where the individual resides. Retirees should consult with Manatee County s Retiree Specialist for rates. Group Part D Prescription Plan* Cost combined with the Medical Supplement to determine premium. Administered by Aetna Generic-Tier 1 Medications $10/month or up to $20 for 3 months( local or mail order) Brand-Tier 2 Medications $25/month or $50 for 3 months Non Formulary-Tier 3 Medications $50 per month or $100 for 3 months Specialty Medications 25% coinsurance *No Preferred Pharmacy with the Aetna Rx Benefit-rates are the same regardless of the pharmacy *Fixed Copays for Tier 1-3 * No Donut Hole impact 14

15 SECTION 7 MANATEE YOUR CHOICE DENTAL PLAN Dental Plan Monthly Premium Retiree Only $ Retiree + 1 $ Retiree + 2/more $ Who is the Plan Sponsor? The Plan Sponsor is Manatee County Government s Board of County Commissioners. How Is the Manatee Choice Dental Plan Funded? The Plan is self-insured, and the enrolled Employees/Retirees pay 100% of the cost of the premiums. The plan uses Aetna s PPO/PDN Network of providers and administration of the dental plan. What Are the Dental Plan s Benefits? The following are the Rules and Regulations, Guidelines, and Benefit Allowances for the Your Choice Dental Plan: Deductibles Certain covered Dental Charges are subject to a Deductible. The Deductible is the amount of Covered Charges each Covered Person must incur before benefits are payable. The Deductible must be satisfied each Calendar Year. Once the Per Family Deductible has been reached, no other covered family member needs to satisfy the Deductible during that Calendar Year. Deductible Per Calendar Year - Applies to procedures listed under Restorative Procedures, Prosthodontics-Removable, Crowns, Endodontic, Periodontics, Repairs to Dentures, Prosthodontics-Fixed, Oral Surgery, and other services. Per Person $ Per Family Maximum $ Choice of Dentists A Member selects the dentist of their choice to from the Aetna PPO/PDN listing of contracted providers. Dentists listed in the Provider Directory agree to bill the Plan and the member for the agreed upon rate, they agree to not balance bill the patient for any difference. Members who use a non-contracted provider are subject to balance billing from the provider. Maximum Annual Benefit Calendar Year Maximum per Person $2, Covered Dental Charges Covered Dental Charges are charges which are: (1) prescribed, performed, or ordered by a dentist; and (2) Reasonable and Customary charges; and (3) incurred while You, and your dependents are covered under this Plan; and (4) not excluded by other provisions of the Plan that apply to the procedures described below: 15

16 Deductible/Coinsurance and Maximum Benefit Deductible $50.00 per person Preventative Services 100% of contracted rate covered Basic Services 80% of contracted rate covered Major Services 50% of contracted rate covered Annual Benefit Maximum $2,000 Orthodontic Services Not Covered *The deductible applies to Basic and Major Services Only Preventative Services Plan Responsibility Oral Examination (2 per calendar year) 100% Cleanings (2 per calendar year) 100% Fluoride (1 application/year under age 16) 100% Sealants (1 treatment every 3 rolling years on permanent molars 100% only for children to age 13) Bitewing X-rays (1 set per calendar year) 100% Full Mouth Series (1 set every 24 months) 100% Space Maintainers (covered to age 13 for premature loss of primary teeth only. Includes adjustment w/in 6 months of installation) Basic Services 100% Plan Responsibility Root canal therapy (anterior teeth/bicuspid teeth) 80% Scaling and root planing (4 separate quads every 2 rolling years) 80% Gingivectomy (once per quad/site every 3 rolling years) 80% Amalgam (silver) fillings 80% Composite fillings (anterior teeth only) 80% Stainless steel crowns 80% Incision and drainage of abscess 80% Uncomplicated extractions 80% Surgical removal of erupted tooth 80% Surgical removal of impacted tooth (soft tissue) 80% Major Services Plan Responsibility Root canal therapy, molar teeth 50% Osseous surgery (Once per quadrant every 3 rolling years) 50% Surgical removal of impacted tooth (partial bony/full bony)* 50% General anesthesia/intravenous sedation* 50% Crown Lengthening 50% Inlays 50% Onlays 50% Crowns 50% Full and Partial dentures 50% Pontics 50% Denture repairs 50% Crown Build-ups 50% *Covered under dental if not covered in whole or part under medical 16

17 Does the Plan Cover Orthodontic? No. It is suggested that an employee use their Health Care Spending Account to obtain maximum tax savings. Second Opinion The Plan will pay in full for an Office Consultation and X-rays if a member of the Plan desires a Second Opinion on Dental Services in excess of $ Coordination of Benefits The Plan coordinates benefits with any other Plan covering the individual, and/or members of the Plan. No members of the Plan shall receive more than 100% of the charges covered by the Dental Plan, and any other Plan. Dental expenses will be considered under the Dental Plan first. The balance of Dental expenses covered under the Plan Sponsor s Medical Plan will be considered secondary, according to the Medical Plan schedule. Pre-Treatment Review If the charges for a course of treatment for Type III services (space maintainers, crowns, repairs to dentures, and prosthodontics) will total more than $350, the Covered Person should submit a statement from the dentist describing the Treatment Plan. The course of treatment would include all dental services or series of dental services to be received by the Covered Person for a condition, except the diagnosing exam. The statement should: (1) be on an approved form; (2) itemize the dental procedure recommended; (3) show the charge for each dental procedure; and (4) be accompanied by supporting x-rays, if requested. To allow for faster claims handling, the statement will be reviewed to determine what benefits, if any, are payable under this Plan. A determination will be made as to whether a less expensive course of treatment would be appropriate using the profession's accepted standards of dental practice. If no statement is submitted, benefits will be paid as if a Pre-treatment review had been submitted. Pre-treatment review is not necessary for emergency care that would be required on an immediate basis because any delay would cause physical discomfort, or aggravate the condition for which these services are required. Dental for Retirees A retiree enrolled in the Dental Plan on the Effective Date of his/her retirement is allowed to continue coverage. Once a Retiree terminates coverage, the Retiree is not permitted to re-enroll in the Plan. Termination of Coverage No benefits will be available for Eligible Charges incurred after a Covered Person's Benefits end except for COVERED DENTAL EXPENSES incurred for treatment that is: 1. Started while a Covered Person is a member; and 2. Finished within 30 days after the Covered Person's coverage ends This Extension of Coverage is limited only to crowns, fixed bridges, inlays, onlays, full dentures, partial dentures, and root canal therapy. 17

18 SECTION 8 SUMMARY OF OTHER BENEFITS LIFE INSURANCE CONTINUATION You may continue your Basic Core Life and AD&D insurance, as well as your Additional Employee, Spouse or Child Life insurance, without proof of good health, as these coverages have portability and conversion options. However, coverage must be elected within 31 days of retirement date and different rates apply. For information, please log on to: to review your options on continuing your coverage through portability or conversion, calculate the rates, and obtain the necessary forms. Please use the policy number and access key below to log onto the site. Policy Number: Access Key: manatee ADDITIONAL LONG TERM DISABILITY Additional Long Term Disability terminates on the last day of work. If an employee is on Long Term Disability and then elects to retire, the employee should contact the local Social Security office and Florida Retirement System regarding the availability and coordination of benefits. HEALTH AND LIFESTYLE MANAGEMENT PROGRAMS Retirees and their covered dependents enrolled in the Manatee YourChoice Health Plan, may participate in any of the health and lifestyle management programs, and also utilize the fitness center, group exercise classes and personal training. However, retirees and covered dependents are not eligible to earn Health Bucks for participation in applicable programs. Retirees and their covered dependents enrolled in Transamerica or One Exchange are eligible to utilize the fitness center facility and group exercise sessions. Personal Training sessions are not available. 457 DEFERRED COMPENSATION Prior to retirement, an employee with a 457 Deferred Compensation Plan should contact EHB or the program representative listed below for information regarding the various options for continuing or withdrawal of funds. The Board of County Commissioners sponsor the following 457 Deferred Comp programs and, currently, only retirees of the BCC have access to these plans: Mass Mutual Stephen Duganieri ICMA Gabe Alba Fidelity Nationwide Terry Terry

19 SECTION 9 BENEFITS CONTACT INFORMATION Katherine Pettitt Manatee County Employee Health Benefits , ext th Avenue Circle East Bradenton, FL katherine.pettitt@mymanatee.org Brian Baacke, CLTC TransAmerica Baacke Insurance Services, Inc Delainey Ct. Sarasota, FL brianbaacke@baackeinsurance.com One Exchange toll free 19