Employee Benefit Guide
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1 2015 Employee Benefit Guide
2 The Core Four WHO IS ELIGIBLE FOR BENEFITS? You are eligible to enroll in benefits if you are a full time, benefits eligible employee working an average of 20 hours or more a week and are also actively at work at time of enrollment. Open Enrollment Details Open Enrollment will begin Monday, August 3rd. There will be Open Enrollment meetings held on August 3rd at the RESA location and August 6th at Rutland Academy. During these meetings, you will be able to schedule an appointment to sit with an enroller. Enrollers will be available all day on August 4th at the RESA and August 14th at Rutland Academy. Please make sure to attend the Open Enrollment meeting to sign up with an enroller. Detailed benefit information can be found at MyNEGARESABenefits.com. You may also call the Northeast Georgia RESA Benefits Call Center at with any benefit questions. This call center is open year round! We all face risks in our lives. Some are large, and some are small. When deciding on your benefits, look at covering the largest risks that most people face. We call these the Core Four. 1. Health Insurance 2. Disability Insurance 3. Life Insurance WHAT IF I DON T NEED TO MAKE A CHANGE? Due to plan changes, every full time employee will be required to go through the enrollment process, even if you choose to decline all benefits. 4. Savings These benefits provide protection for possible unexpected injuries and illnesses in life. They also protect you against losing your income if you are unable to work for a period of time. As you review your benefits and make decisions to protect you and your family, start with these benefits first. Once you have these four benefits in place, consider the other options that are offered.
3 HOW TO ENROLL ONLINE 1. Visit MyNEGARESABenefits.com and click the blue button Enroll Here. 2. Enter user name and initial password using login instructions at the top of the page and create a new password when prompted. 3. Follow prompts to update personal and dependent information. To cover a spouse or child(ren), enter them as dependents. 4. Continue through Benefits Plan Enrollment to elect benefits and then add beneficiaries. 5. After completion, the Consolidated Enrollment Form will show current and future benefits. Print this page for your records. HOW TO VIEW PLANS ONLINE 1. Visit MyNEGARESABenefits.com and click the green button Start Here for Information. 2. In the Employee Benefit Center, you will find dropdowns for all benefit information under My Health, My Life and My Savings. 3. Click on each benefit for more detailed information. IMPORTANT NOTICES Every full time benefit eligible employee is required to go through the enrollment process this year. Dependent children may be covered up to age 26, regardless of student status Duplication of life, dental or vision coverage will not be allowed for spouses or dependents who both work in Northeast Georgia RESA. Be sure to review plan details on MyNEGARESABenefits.com before enrolling. Pre-existing condition limitations may apply on some of the plans. Please review the plan documents and policy details.
4 Short Term Disability Insured by Mutual of Omaha Voluntary Term Life Insured by Mutual of Omaha You may cover 40%, 50% or 60% of your weekly salary The benefit will start after a 14-day waiting period should you become disabled due to an accident or illness (including maternity) The plan offsets with sick leave and other sources of income The benefit will pay up to 11 weeks There are no health questions to enroll this year 5x salary up to $500,000, Guaranteed Issue (GI) $200,000 Spouse coverage is available up to 100% of the employee election to a maximum benefit of $500,000, GI $50,000 Child(ren) Term Life Insurance is available up to $10,000 Employee must purchase Term Life and AD&D coverage for spouse and child(ren) to be eligible If your employment ends, the plan is portable or convertible Permanent Life Long Term Disability Insured by Mutual of Omaha Provides income protection up to 60% of your gross monthly income The benefit will start after a 90-day waiting period should you become disabled due to an accident or illness The plan offsets with sick leave and other sources of income The benefit will pay up to Social Security Normal Retirement Age (SSNRA) There are no health questions to enroll this year Insured by Unum Guaranteed Issue (no health questions) up to $50,000 for employees Rates are locked and guaranteed for life Whole Life policy that builds cash value Coverage is available for spouse and children up to $15,000 Flexible Spending Administered by Consolidated Admin Services (CAS) Medical and Dependent Day Care FSAs available Debit cards will be provided with contributions loaded for your convenience $2,500 maximum annual contribution for the Medical FSA $5,000 maximum annual contribution for the Dependent Care FSA $300 minimum annual contribution
5 Dental Insured by Ameritas *No change in plan design Benefit Summary- High Plan Coinsurance Preventive Services % Coinsurance Basic Services % Coinsurance Major Services % Deductible Preventive Services.... waived Deductible Basic and Major.... $35 quarterly Annual Maximum $1,200/person Child Orthodontia % *$1,000 Lifetime Maximum on child orthodontia *12 month waiting period if a late entrant Benefit Summary- Low Plan Coinsurance Preventive Services....MCE Coinsurance Basic Services MCE Coinsurance Major Services MCE Deductible Preventive Services.... waived Deductible Basic and Major... $35 quarterly Annual Maximum $1,200/person Monthly Cost High Plan Employee $32.40 Family $93.24 *MCE is Maximum Covered Expense: The schedule of expenses can be found in the Low Plan Dental Policy *12 month waiting period if a late entrant Monthly Cost Low Plan Employee $15.52 Employee $28.60 Family $43.88 In-Network Schedule Vision Insured by Davis Vision Exam $10 copay Lenses $25 copay Davis Vision Collection Frames Covered in Full Non-Davis Vision Collection Frames $130 allowance Davis Vision Collection Contact Lens Covered in Full Non-Davis Vision Collection Contact Lens $130 allowance *$25 contact lens Evaluation and Follow-up Insured by Voya Monthly Cost Employee only $6.52 Employee + Spouse $11.74 Employee + Child(ren).... $12.39 Employee + Family $19.56 Critical Illness Pays lump sum benefit for covered critical illnesses Covered illnesses include: Invasive Cancer, Heart Attack, Major Organ Failure, Renal Failure, Coma, Permanent Paralysis, ALS, Parkinsons, Alzhiemer s, Coronary Artery Bypass, Carcinoma in Situ, Skin Cancer Wellness benefit: $50 each year Rate is locked for the life of the policy Policy is portable if you leave Northeast Georgia RESA
6 The Simplifiers Disability Simplifier 1. What is your age? (5) (4) (3) (2) (1) 65+* 2. How many dependents do you have? (i.e. children, spouse, parents) (5) 4+ dep (4) 3 dep (3) 2 dep (2) 1 dep (1) 0 dep 3. Are you planning on getting pregnant within the next two years? No (7) Yes 4. How many sick days do you currently have? (5) 0 7 (4) 8 14 (3) (2) (1) How many years do you have vested in the Georgia Teacher Retirement The Simplifiers are a quick and easy tool that can help you discover which plans may be best for you. Simply answer each question and add up your score. That score will correspond with one of the recommendations. The recommendations on these pages are provided solely as a source of general information. It is not a contract or offer and may not apply in all circumstances. To learn more about the specific benefits available to you, please speak with a representative and/or refer to your plan and enrollment documents. System or PSERS? (5) 0 5 (4) 6 15 (3) (2) 25 29* (1) 30+* 6. How long would you be comfortable going without having any income? Be sure to include other sources (i.e. spouse, emergency fund, investments, etc.) (10) 1 week (8) 2 3 weeks (4) 1 month (2) 1 2 months (1) 2 months+ My recommendation 5 8 points...disability may not be recommended 9 18 points...long-term Disability 19+ points...short- and Long-Term Disability
7 Life Amount Simplifier 1. What is your annual income? (1) 0 10k (2) 10 20k (3) 20 30k (4) 30 40k (5) 40 50K (6) 50 60k (7) 60k+ 2. How many dependents do you have? (1) 0 dep (10) 1 dep (20) 2 dep (30) 3 dep (40) 4 dep+ 3. How much debt do you currently have? (mortgage, loans, etc.) (1) 0 10k (3) 10 25k (5) 25 50k (7) 50 75k (9) k (11) (13) k (15) k (17) k (20) 200k+ 4. How much cash or other liquid assets do you have right now? (1) 50k+ (2) 25 50k (3) 15 25k (4) 10 15k (5) 5 10k (6) 0 5k 6. What percentage of your annual income would your family need if you died today? (1) 0% (2) 20% (3) 40% (4) 60% (5) 80% (6) 100% 7. How many years would your dependents need your income replaced? (0) 0 (1) 1 year (6) 2 years (5) 3 years (8) 4 years (11) 5 years 8. How much would you like to leave to third parties? (i.e. your estate, charities, etc.) (1) 0 10k (2) 6 10 points.. 10k points 200k points. 25k points 225k points. 50k points 250k points. 75k points 275k points 100k points 300k points 125k points 325k points 150k points 350k points 175k 53+ points 375k+ My recommendation Type of Life 1. How many years until you retire? (1) 1 5 (2) 6 10 (3) (4) (5) Currently how much permanent life insurance do you have? (1) 10k (2) 10 25k (3) 25 75k (4) k (5) 125k+ 3. How much savings do you plan on have at retirement and beyond? (1) 0 5k (2) 5 25k (3) 25 50k (4) 50 75k (5) 75k+ 3 points % Term is recommended 4 6 points... 80% Term is recommended 7 9 points... 95% Term is recommended My recommendation
8 Dental Simplifier Notes 1. Will those covered visit a dentist at least twice next year? (0) No (4) Yes 2. Do those covered anticipate having major dental work in the next year? (0) No (3) Yes 3. Do those covered plan on having braces next year? (0) No (2) Yes 4. Are you comfortable using a flexible spending account? (0) No (1) Yes 3 points...dental coverage is not recommended 4 points...dental coverage is recommended 5 points...flexible Spending Account (FSA) is recommended 6 10 points...dental coverage is recommended My recommendation
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