New Teacher Orientation School Year Payroll / Benefits

Size: px
Start display at page:

Download "New Teacher Orientation School Year Payroll / Benefits"

Transcription

1 New Teacher Orientation School Year Payroll / Benefits

2 Contacts x8903 Supervisor x3779 Benefits x3765 Payroll x3766 Payroll

3 Payroll Bi-weekly pay schedule. 27 pay periods. Pay = Contract + ETR(extra). Contract 2 weeks before. ETR/Leaves 2 weeks back. ETR due in Payroll.

4 Payroll Bi-weekly . Pay Schedule. DD printing instructions. Dates included in pay. Special pays. Check Location form.

5 Payroll How will I get my contract pay? Regular schedule of 23 equal pays. Balance Of Contract schedule of 22 smaller pays with the final equaling 4 pays. Schedule of Pay form. Must be selected prior to starting your contract. Cannot be changed once you have started your contract. Endorsement stipends follow.

6 Regular Contract Amount / 23. $35,000 = $ equal pays. First Pay 8/4/16. Last pay 6/8/16.

7 Balance Contract Amount / 26. $35,000 = $ equal (smaller) pays. 1 Balance pay. Balance = 4 pays, $ First Pay 8/4/16. Last pay 6/8/16.

8 Pay Stub EARNINGS Bi-weekly Contract Stipends ETR (Extra Hours) Special Pays Withholdings

9 Pay Stub EMP DEDUCTIONS FED/State FICAs ASRS LTD Benefits (M/D/V) Life TSA 403b/457b

10 Pay Stub LEAVE ACCUM Running balance LEAVE CURRENT This pay (Schedule) 12 Sick Days 3 Business Leave

11 Pay Stub EMPLOYER PAID FICA match ASRS match Benefits (M/D) Basic Life Short Term Disability Workers Comp

12 Online Pay Stub Phxschools.org District Employee Site

13 Online Pay Stub Login Enter network Sign on

14 Online Pay Stub PAY Employee resources Compensation Pay Period Leaves Employee Resources Attendance

15 Benefits ½ time Teacher or greater. New hire elections start 8/1/16 End 6/30/17 Election forms due 8/26/16 Benefit Year 7/1/XX 6/30/XX On-line Open Enrollment 5/1/XX 5/31/XX OE elections 7/1/XX 6/30/XX

16 Changes Your new hire elections run from 8/1/16 6/30/17. You may change your elections mid-year only if you have a qualifying life event (marriage, divorce, birth, death, loss of benefits, gain of benefits). Enrollment (or drop) must be within 31 days of event.

17 Dependents You may enroll your legally married spouse and dependent children up to age of 26. Children are removed at the end of the month in which they turn 26. Premiums taken in 21 payments. Pre-tax. Rate sheet for payroll deduction amounts.

18 Plan Summaries Available on the PESD web site. Available in the Benefits Office. Available on Provider Sites. Included in your packet.

19 Medical Coverage United Health Care (plan summary available). The Employee monthly premium is paid 100% by the District. Employees are responsible to pay for their dependent coverage premium. Fiscal year maximums (July June).

20 Medical Coverage In-network (contracted) vs. Out-of-network In Network: Employee $750 deductible $3250 Out-Of Pocket Maximum In Network: Family $1500 deductible $6500 Out-Of Pocket Maximum Out Of Network: Employee $1500 deductible $4500 Out-Of Pocket Maximum Out Of Network: Family $3000 deductible $9000 Out- Of Pocket Maximum If you go out-of-network, your costs may be higher. Out-of-network providers can bill you for amounts higher than what your plan will cover.

21 Medical Coverage Co Pays Primary Care Provider $ Specialist $50.00 (non referral). Urgent Care $ Emergency $ (20% if admitted). Check your plan summary for all coverages.

22 HEALTH BENEFITS OVERVIEW Traditional PPO Plan How we cover prescriptions. Myuhc.com Price a medication Refill Mail Order PDL Listing No-cost Contraceptive List Preventive Drug List Specialty Drug List Tier 1-$10 Lower-cost Medications Tier 2 - $35 Midrange-cost Medications Tier 3 - $60 Higher-cost Medications Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

23 UnitedHealthcare Preventive Network preventive care is covered 100% One physical checkup every year One OB/GYN checkup every year (Pap Smear) One screening for breast cancer every year (mammogram) Shots for measles and other childhood diseases (Immunizations) One colonoscopy cancer screening test every five years Other preventive tests required by the Affordable Care Act Preventive Care website Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

24 . Manage your health benefits and at myuhc.com. Find network providers 800,000+ doctors and health care professionals. The UnitedHealth Premium Designation Program shows you doctors who meet quality and cost-efficiency guidelines. Track claims and expenses. Estimate health care costs. myuhc.com Health4Me TM mobile app Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

25 OTHER BENEFITS Help is a call away. Care24 Nurseline is open 24/ Call or web chat with a registered nurse, master s-level counselor, or legal or financial professional 24/7 3 face-to-face visits with network clinician Help coping with grief, stress, relationship issues, and more Financial management information Legal support Find a doctor or counselor Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

26 Dental Coverage Delta Dental (plan summary available). Deductibles, maximums, co-pays same. The Employee monthly premium is paid 100% by the District. Employees are responsible to pay for their dependent coverage premium. Calendar year maximums (Jan Dec). $ predetermination.

27 Vision Delta Vision (plan summary available). Discount Program. Annual eye exam (Medical every other year). Employees are responsible to pay for the entire premium.

28 Flexible Spending Account BASIC (plan summary available). Deductions are pre-tax. Expenses from 8/1/16 6/30/17. Medical costs up to $2,550. Dependent Day Care costs up to $5,000. Loaded to a VISA. Use it or Lose it by 6/30/17. Expense Requests - Frozen, possible loss of benefit.

29 Overview of Medical FSA The purpose of FSA is to pay eligible medical expenses on a pre-tax basis to save you money Medical Reimbursement Account (MRA): your full election is available at the beginning of the plan year Includes expenses for qualified family members (not necessarily who s covered by the health insurance) How to Save Taxes Every $ you put into your FSA plan reduces your W-2 wages Depending on your tax bracket, you save 20-40% on the amount deducted for FSA BASICONLINE.COM (800) x-1 29

30 Eligible Medical Items Eligible Eligible with Rx Not Eligible Medical Co-pays and deductible expenses Acupuncture and Chiropractic Sunscreen & Band Aides Mileage reimbursement for medical appointments Hearing Exams & Hearing Aids Vision Exams, Prescription Eyeglasses, Contact Lenses & Solution, Prescription Sunglasses, LASIK Dental Cleanings, Filings, Crowns, Bridges, Root Canals, Dentures, Orthodontia Health Club/Gym Memberships Supplements Massage Therapy Weight Loss and Stop Smoking Programs Debit Card: These items can t be paid with your debit card so pay with your own money and submit a claim to BASIC for reimbursement, please include the purchase documentation along with the doctor s Rx Prepayment of services Services outside of the plan year Dietary Foods Cosmetic Surgery Warranties / Protection Plans Teeth Whitening, Tooth Brushes, Toothpaste Most OTC without Rx Please see the List of Eligible Items FSAStore.com shows eligible OTC BASICONLINE.COM (800) x-1 30

31 Dependent Care FSA Dependent Eligibility You and your spouse must be employed, actively seeking employment, or attending school full time A child must be 13 years of age or younger and in your custodial care more than 50% of the calendar year A spouse or dependent who is incapable of self-care and regularly spends at least 8 hours per day in your home Service Requirements Provider may not be your minor child or dependent for income tax purposes Service Provider must claim payments as income and comply with state licensing requirements Services for the care of the child is covered but not education, meals, etc. Overnight camps are not eligible Pre-K costs are eligible but Kindergarten and higher are not. Before and after school care for a school age child is allowed. Funds are available as deductions are made from your paycheck Debit Card: Will not work at providers that are not categorized as daycare facilities (for example, schools, churches, social agencies, etc.) BASICONLINE.COM (800) x-1 31

32 Waive Benefits The ACA (Affordable Care Act) requires benefits be offered to all full-time employees. There is a possible tax consequence if you & your dependents have no medical coverage starting 1/1/14.

33 BASIC LIFE 1 x Annual Salary Life Insurance VOLUNTARY LIFE Term (no cash value-loans) SHORT TERM DISABILITY 60 day elimination period

34 Retirement PENSION Arizona State Retirement System Azasrs.gov TAX SHELTERED ANNUNITIES MetLife Security benefit Voya

35 Due by 8/26/16 Enrollment form Medical Dental Vision (even if waiving)

36 Due by 8/26/16 Enrollment form Flex Medical Flex Day Care (even if waiving)

37 Due by 8/26/16 Enrollment form Life insurance STD

38 Contact Information United Health Care of Arizona Group # Member Services Phone Number: Website: Delta Dental of Arizona Group # Member Services Phone Number: or Website: Delta Vision Voluntary Vision Care Program Group # Member Services Phone Number: Website: BASIC Member Services Phone Number: Website: Arizona State Retirement System Member Services Phone Number: Website: Phoenix Elementary School District No. 1 Benefits Contact Laura Lopez-Gomez Benefits Representative Phone Number: address: laura.lopez-gomez@phxschools.org Phoenix Elementary School District No. 1 Alternate Benefits Contact Frank Kraatz Benefits Supervisor Phone Number: address: frank.kraatz@phxschools.org 403b Providers VOYA (formerly ING) Jason Smith jsmith@investsji.com MetLife David Hickson dhickson@metlif.com Security Benefit Erica Gargol erica.gargol@lpl.com

Kyrene Employee Benefits Trust. Get benefits that make it easier to focus on your health, not your health care.

Kyrene Employee Benefits Trust. Get benefits that make it easier to focus on your health, not your health care. Kyrene Employee Benefits Trust Get benefits that make it easier to focus on your health, not your health care. HEALTH BENEFITS 7/1/17 What We Will Cover Today 1 Premium Plan 2 3 4 Standard Plan Base Plan

More information

The Benefit that Saves You. Money

The Benefit that Saves You. Money The Benefit that Saves You Money The types of products or services that are FSA-eligible depend on the type of FSA you have. Just choose the FSA that is right for you and your family: Health Care FSA (HCFSA)

More information

Flexible Spending Accounts

Flexible Spending Accounts Flexible Spending Accounts What is a Flexible Spending Account (FSA)? Flexible Spending Accounts (FSAs) allow a participant to set aside a portion of their salary before taxes into an account that can

More information

UNIVERSITY OF LOUISIANA AT LAFAYETTE Human Resources Department. Flexible Spending Accounts

UNIVERSITY OF LOUISIANA AT LAFAYETTE Human Resources Department. Flexible Spending Accounts UNIVERSITY OF LOUISIANA AT LAFAYETTE Human Resources Department Flexible Spending Accounts Flexible Spending Accounts Reference Guide 104 University Circle Lafayette, LA 70504 Phone 337-482-6242 Fax 337-482-1452

More information

Accessing your Account-Based Benefits

Accessing your Account-Based Benefits Accessing your Account-Based Benefits Participant Portal Mobile App Contact Us CONGRATULATIONS! Your employer is offering you access to tax-free benefits. Please be sure to review the contents of this

More information

FLEXIBLE SPENDING ACCOUNTS Health Care FSA Dependent Day Care Assistance Plan BIG SAVINGS FOR YOU!

FLEXIBLE SPENDING ACCOUNTS Health Care FSA Dependent Day Care Assistance Plan BIG SAVINGS FOR YOU! FLEXIBLE SPENDING ACCOUNTS Health Care FSA Dependent Day Care Assistance Plan BIG SAVINGS FOR YOU! SECTION 125 FLEXIBLE BENEFIT PLAN The dollars you put in Flexible Spending Accounts are TAX FREE, SAVE

More information

Flexible Spending Accounts. medical. Save Money on Healthcare and Dependent Care! prescriptions. dental. vision. day care

Flexible Spending Accounts. medical. Save Money on Healthcare and Dependent Care! prescriptions. dental. vision. day care Flexible Spending Accounts medical prescriptions dental Save Money on Healthcare and Dependent Care! vision day care Montgomery County Public Schools 2012 Flexible Spending Accounts Montgomery County Public

More information

Employee Guide to Pre-Tax Savings

Employee Guide to Pre-Tax Savings Employee Guide to Pre-Tax Savings Flexible Benefit Plan Information What is a Flexible Benefit Plan? What expenses qualify for reimbursement? Can I use funds I have set aside for dependent care to pay

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

COUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES

COUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES COUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES 2017-18 Human Resources Division 44 N. San Joaquin St, Ste 330 Stockton, CA 95202 Telephone (209) 468-9987 Fax (209) 468-9734 employeebenefits@sjgov.org

More information

Employee Guide to Pre-Tax Savings

Employee Guide to Pre-Tax Savings Employee Guide to Pre-Tax Savings Flexible Benefit Plan Information What is a Flexible Benefit Plan? What expenses qualify for reimbursement? Can I use funds I have set aside for dependent care to pay

More information

you re going to need a bigger bank. BASIC FLEX BASIC Portage Industrial Drive Portage, MI 49024

you re going to need a bigger bank. BASIC FLEX BASIC Portage Industrial Drive Portage, MI 49024 you re going to need a bigger bank. BASIC FLEX get more out of your paycheck. Do you pay medical expenses? Child care? If you answered yes to any of these questions then keep reading because we are going

More information

HorizonBlue.com/FSA Flexible Spending Accounts

HorizonBlue.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 information

How much could you save?

How much could you save? Flexible Spending Arrangements (FSAs) help you save money on health and day care expenses and allow you to spend it on the things you care about. FSAs will have the whole family cheering! Employee A Taxes

More information

COUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES

COUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES COUNTY OF SAN JOAQUIN HEALTH BENEFITS SUMMARY FOR NEW EMPLOYEES 2013-14 Human Resources Division 44 N. San Joaquin St, Ste 330 Stockton, CA 95202 Telephone (209) 468-3379 or 468-3279 or 953-7563 Fax (209)

More information

Group 1 Automotive Employee Benefits & Policies. Other Benefits. Employee Assistance Program Flexible Spending Accounts Pre-tax Earnings Vision Plan

Group 1 Automotive Employee Benefits & Policies. Other Benefits. Employee Assistance Program Flexible Spending Accounts Pre-tax Earnings Vision Plan Group 1 Automotive Employee Benefits & Policies Other Benefits Employee Assistance Program Flexible Spending Accounts Pre-tax Earnings Vision Plan Group 1 Automotive Employee Benefits & Policies Vision

More information

Flexible Spending Accounts 1

Flexible Spending Accounts 1 Flexible Spending Accounts 1 PLAN HIGHLIGHTS Give You Choices If you are an eligible Full-time Employee, you can contribute to the health care spending account, the dependent care spending account or both.

More information

you re going to need a bigger bank. BASIC FLEX BASIC Portage Industrial Drive Portage, MI 49024

you re going to need a bigger bank. BASIC FLEX BASIC Portage Industrial Drive Portage, MI 49024 you re going to need a bigger bank. BASIC FLEX get more out of your paycheck. Do you pay medical expenses? How about insurance premiums? Child care? If you answered yes to any of these questions then keep

More information

FSAGUIDE. basiconline.com TAX SAVINGS FOR. Medical and Dependent Care Expenses

FSAGUIDE. basiconline.com TAX SAVINGS FOR. Medical and Dependent Care Expenses FSAGUIDE TAX SAVINGS FOR Medical and Dependent Care Expenses basiconline.com WHAT IS A FLEXIBLE SPENDING Flexible Spending Accounts (FSA) are part of Section 125, established by the IRS. Section 125 allows

More information

FLEXIBLE SPENDING ACCOUNTS. Customer Service Claims

FLEXIBLE SPENDING ACCOUNTS. Customer Service Claims Customer Service support@amben.com Claims claims@amben.com 800-499-3539 www.amben.com/wealthcare Almost 40 Million Americans Participate in Flexible Spending Accounts Every Year. Flex Accounts allow you

More information

FLEXIBLE BENEFIT PLAN

FLEXIBLE BENEFIT PLAN FLEXIBLE BENEFIT PLAN January 1, 2017 December 31, 2017 THIS PACKET INCLUDES YOUR FLEX PLAN SUMMARY AND OTHER IMPORTANT INFORMATION YOUR FLEX SUMMARY PLAN DESCRIPTION (SPD) IS AVAILABLE ONLINE EMAIL CUSTOMERSERVICE@BASICPACIFIC.COM

More information

Benefits Services Oracle Employee Self Service And Web Page Services

Benefits Services Oracle Employee Self Service And Web Page Services Benefits Services Oracle Employee Self Service And Web Page Services Employees can now access many benefits services online through Oracle Employee Self Service. Select the BENEFITS option to enroll in

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

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

Plan Today for Tomorrow s Expenses. Section 125 Plan & Flexible Spending Accounts AMERICAN FIDELITY ASSURANCE COMPANY

Plan Today for Tomorrow s Expenses. Section 125 Plan & Flexible Spending Accounts AMERICAN FIDELITY ASSURANCE COMPANY AMERICAN FIDELITY ASSURANCE COMPANY What is a Section125 Plan How to Save with Flexible Spending Accounts Learn More» Plan Today for Tomorrow s Expenses Section 125 Plan & Flexible Spending Accounts Section

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

FSA with Flex Card. Enrollment Kit. What s inside: Getting to Know: FSA with Flex Card. Eligible Expenses. Flex Card Overview. Grace Period Overview

FSA with Flex Card. Enrollment Kit. What s inside: Getting to Know: FSA with Flex Card. Eligible Expenses. Flex Card Overview. Grace Period Overview FSA with Flex Card Enrollment Kit What s inside: Getting to Know: FSA with Flex Card Eligible Expenses Flex Card Overview Grace Period Overview Participant Web Site & Mobile App Overview Election Form

More information

ENROLLMENT FOR THE HEALTHCARE/DEPENDENT CARE FSAS

ENROLLMENT FOR THE HEALTHCARE/DEPENDENT CARE FSAS ENROLLMENT FOR THE HEALTHCARE/DEPENDENT CARE FSAS What is a Flexible Spending Account (FSA)? A Flexible Spending Account is a year-to-year tax-free account that allows you to save money to pay for your

More information

FLEXIBLE SPENDING ACCOUNT

FLEXIBLE SPENDING ACCOUNT FLEXIBLE SPENDING ACCOUNT Open a Flexible Spending Account To Save an estimated 25-40% on Healthcare and Dependent Daycare Expenses 1 With a Flexible Spending Account (FSA), you pay for eligible expenses

More information

Healthcare Flexible Spending Account (FSA)

Healthcare Flexible Spending Account (FSA) FSA Healthcare Flexible Spending Account (FSA) SAVE MONEY WHILE KEEPING YOU AND YOUR FAMILY HEALTHY Why enroll in a Healthcare Flexible Spending Account? Save an average of 30% on a wide variety of eligible

More information

FSAs: A SIMPLE WAY TO SAVE. Flexible spending accounts (FSAs) easy. to save. It s WITH AN FSA HealthEquity All rights reserved.

FSAs: A SIMPLE WAY TO SAVE. Flexible spending accounts (FSAs) easy. to save. It s WITH AN FSA HealthEquity All rights reserved. FSAs: A SIMPLE WAY TO SAVE Flexible spending accounts (FSAs) It s easy to save WITH AN FSA Why FSAs? A simple way to save Take advantage of tax savings by participating in a flexible spending account (FSA).

More information

FLEXIBLE SPENDING PLAN SECTION 125 A GUIDE FOR EMPLOYEES

FLEXIBLE SPENDING PLAN SECTION 125 A GUIDE FOR EMPLOYEES FLEXIBLE SPENDING PLAN SECTION 125 A GUIDE FOR EMPLOYEES JACKSON COUNTY, BLACK RIVER FALLS, WI 54615 Revised 1/01/2016 1 P age -TABLE OF CONTENTS- FLEXIBLE SPENDING ACCOUNTS GENERAL QUESTIONS AND ANSWERS.......................

More information

FSA with Flex Card. Enrollment Kit. What s inside: Getting to Know: FSA with Flex Card. Eligible Expenses. Flex Card Overview

FSA with Flex Card. Enrollment Kit. What s inside: Getting to Know: FSA with Flex Card. Eligible Expenses. Flex Card Overview FSA with Flex Card Enrollment Kit What s inside: Getting to Know: FSA with Flex Card Eligible Expenses Flex Card Overview Participant Web Site & Mobile App Overview Election Form Flexible Benefit Service

More information

Your time is worth money. Now you can save both.

Your time is worth money. Now you can save both. Your time is worth money. Now you can save both. Aetna Health Care and Dependent Care Flexible Spending Accounts (FSAs) Use pretax dollars to pay for health care and dependent care expenses. 14.02.307.1

More information

Flexible. Spending Accounts. Instructions for using your. Medical Care Flexible. Dependent Care Flexible. FAQ s. Requesting Reimbursement

Flexible. Spending Accounts. Instructions for using your. Medical Care Flexible. Dependent Care Flexible. FAQ s. Requesting Reimbursement Medical Care Flexible Spending Accounts Instructions for using your Flexible Spending Accounts Dependent Care Flexible Spending Accounts FAQ s Requesting Reimbursement Account Access WHAT IS A FLEXIBLE

More information

Montgomery County Public Schools

Montgomery County Public Schools Montgomery County Public Schools 2018 Flexible Spending Accounts Montgomery County Public Schools (MCPS) provides a comprehensive benefit plan for employees, retirees, and their eligible dependents. As

More information

Open 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, 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 information

FSAs: A SIMPLE WAY TO SAVE. Flexible spending accounts (FSAs) easy. to save. It s WITH AN FSA HealthEquity All rights reserved.

FSAs: A SIMPLE WAY TO SAVE. Flexible spending accounts (FSAs) easy. to save. It s WITH AN FSA HealthEquity All rights reserved. FSAs: A SIMPLE WAY TO SAVE Flexible spending accounts (FSAs) It s easy to save WITH AN FSA Why FSAs? A simple way to save Take advantage of tax savings by participating in a flexible spending account (FSA).

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

FLEXIBLE SPENDING ACCOUNTS. Customer Service Claims

FLEXIBLE SPENDING ACCOUNTS. Customer Service Claims Customer Service support@amben.com Claims claims@amben.com 800-499-3539 www.amben.com/wealthcare Almost 40 Million Americans Participate in Flexible Spending Accounts Every Year. Flex Accounts allow you

More information

Flexible Benefits Guide

Flexible Benefits Guide Flexible Benefits Guide Carroll County Public Schools 125 North Court Street Westminster, MD 21157 2016 Flexible Benefits Program This guide will provide information on all your available benefit options.

More information

FLEXIBLE SPENDING ACCOUNT

FLEXIBLE SPENDING ACCOUNT FLEXIBLE SPENDING ACCOUNT Open a Flexible Spending Account To Save 25-40% on Healthcare and Dependent Daycare Expenses With a Flexible Spending Account (FSA), you pay for eligible expenses with tax-free

More information

Sealaska 2017 Employee Benefits. Benefit Year: January 1, December 31, 2017

Sealaska 2017 Employee Benefits. Benefit Year: January 1, December 31, 2017 Sealaska 2017 Employee Benefits Benefit Year: January 1, 2017 - December 31, 2017 1 Open Enrollment 2017 Open Enrollment is Your Opportunity: To review Sealaska s 2017 benefits package To enroll in benefits

More information

Employee Benefit Guide

Employee Benefit Guide 2016 Employee Benefit Guide Welcome to your 2016 Benefit Guide......... -... -... -... -... -... -... -. -... -... -... -.................. -........................... Your benefits are important and

More information

How much could you save?

How much could you save? Flexible Spending Arrangements (FSAs) help you save money on day care expenses and allow you to spend it on the things you care about. FSAs will have the whole family cheering! Taxes 101 How much could

More information

Livingston County Michigan Human Resources Policy Manual

Livingston County Michigan Human Resources Policy Manual Livingston County Michigan Human Resources Policy Manual Section: Subject: A. POLICY 1. PURPOSE: To allow employees to set aside pre-tax dollars for reimbursement of IRS-approved health care and dependent

More information

GUIDE TO MEDICAL AND DENTAL PLANS

GUIDE TO MEDICAL AND DENTAL PLANS GUIDE TO MEDICAL AND DENTAL PLANS B e n e f i t s e f f e c t i v e J u l y 1, 2 0 1 4 t h r o u g h J u n e 3 0, 2 0 1 5 Choosing your benefits is an important decision. This guide provides you with the

More information

2018 Open Enrollment

2018 Open Enrollment 2018 Open Enrollment Guide for Employees November 6, 2017 November 17, 2017 **ALL forms must be completed and returned by 5 p.m. Friday, November 17, 2017 ** IMPORTANT BENEFIT INFORMATION INSIDE Open Enrollment

More information

Employee Benefits Guide

Employee Benefits Guide Employee Benefits Guide Plans effective January 1, 2017 Full-Time Faculty Welcome to Montgomery County Community College! Montgomery County Community College (the College) strives to offer you and your

More information

FLEXIBLE BENEFIT PLAN with Beniversal MasterCard

FLEXIBLE BENEFIT PLAN with Beniversal MasterCard FLEXIBLE BENEFIT PLAN with Beniversal MasterCard PLAN HIGHLIGHTS* (page 1 of 2) A. General Plan Information 1. Employer name: Linden Board of Education. 2. Plan name: Linden Board of Education Flexible

More information

How much could you save?

How much could you save? Flexible Spending Arrangements (FSAs) help you save money on day care expenses and allow you to spend it on the things you care about. FSAs will have the whole family cheering! Taxes 101 How much could

More information

2017 Cherokee Boys Club/Cherokee School Employee Benefits. Health-Core Plan (BLUE CROSS BLUE SHIELD OF NC)

2017 Cherokee Boys Club/Cherokee School Employee Benefits. Health-Core Plan (BLUE CROSS BLUE SHIELD OF NC) 2017 Cherokee Boys Club/Cherokee School Employee Benefits Health-Core Plan (BLUE CROSS BLUE SHIELD OF NC) Employee: No Cost for the EE, coverage is paid by CBC/CCS at $580.00/month. Employee/Child: $166.20

More information

How Much Can You Save? The example below illustrates how you can save by participating in an FSA. In this example, you d save $600 with an FSA!

How Much Can You Save? The example below illustrates how you can save by participating in an FSA. In this example, you d save $600 with an FSA! FSA with Debit Card What is an FSA? A Flexible Spending Account (FSA) is an employer-sponsored benefit that allows you to pay for health care and dependent care expenses using money that is not taxed.

More information

What s an FSA? FLEXIBLE SPENDING SPENDING ACCOUNT

What s an FSA? FLEXIBLE SPENDING SPENDING ACCOUNT What s an FSA? FLEXIBLE SPENDING SPENDING ACCOUNT ACCOUNT Agenda 1. FSA Basics Who is Eligible? 2. Using Your FSA What Expenses are Eligible Contributing to Your FSA Using Your FSA Online FSA Debit Card

More information

2019 Open Enrollment

2019 Open Enrollment 2019 Open Enrollment Guide for Employees November 5, 2018 November 16, 2018 **ALL required forms must be completed and returned by 5 p.m. Friday, November 16, 2018 ** IMPORTANT BENEFIT INFORMATION INSIDE

More information

you re going to need a bigger bank. BASIC FLEX BASIC Portage Industrial Drive Portage, MI 49024

you re going to need a bigger bank. BASIC FLEX BASIC Portage Industrial Drive Portage, MI 49024 you re going to need a bigger bank. BASIC FLEX get more out of your paycheck. Do you pay medical expenses? How about insurance premiums? Child care? If you answered yes to any of these questions then keep

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

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

Flexible Spending Account

Flexible Spending Account Flexible Spending Account Enrollment Kit What s inside: Getting to Know: FSA Eligible Expenses FSA Carry Over Overview Participant Web Site & Mobile App Overview Election Form Flexible Benefit Service

More information

Flexible Spending Account. Guide for Members

Flexible Spending Account. Guide for Members Flexible Spending Account Guide for Members Take Control of Your Health Care These days, it s hard to keep up with the soaring costs of health care, taxes and other costs of day-to-day living. Your employer

More information

SECTION 125 CAFETERIA PLANS

SECTION 125 CAFETERIA PLANS SECTION 125 CAFETERIA PLANS Medical Spending Account Dependent Care Spending Account Without Flex Plan With Flex Plan Gross Earnings $2,000 Gross Earnings $2,000 FICA, Federal, State Taxes - $500 Premiums

More information

New Employee Benefit Guide

New Employee Benefit Guide Revised 01/2018 New Employee Benefit Guide This guide will provide you with general details about your medical, dental, flexible spending and other benefits. In hac habitasse platea dictumst. General Information

More information

Your HDHP User Guide Take Control of Your Coverage

Your HDHP User Guide Take Control of Your Coverage Your HDHP User Guide Take Control of Your Coverage With the High Deductible Health Plan (HDHP), you re in control of your health care spending. The plan includes comprehensive coverage that allows you

More information

FLEXIBLE BENEFIT PLAN

FLEXIBLE BENEFIT PLAN FLEXIBLE BENEFIT PLAN January 1, 2017 December 31, 2017 THIS PACKET INCLUDES YOUR FLEX PLAN SUMMARY AND OTHER IMPORTANT INFORMATION YOUR FLEX SUMMARY PLAN DESCRIPTION (SPD) IS AVAILABLE ONLINE EMAIL CUSTOMERSERVICE@BASICPACIFIC.COM

More information

How much could you save?

How much could you save? Flexible Spending Arrangements (FSAs) help you save money on health care expenses and allow you to spend it on the things you care about. FSAs will have the whole family cheering! Employee A Taxes 101

More information

PRE-TAX BENEFIT PLAN

PRE-TAX BENEFIT PLAN PRE-TAX BENEFIT PLAN Your employer offers tax-free benefit plan(s) that provide you with ways to save up to thousands of dollars per year by offering the option to pay for certain types of expenses with

More information

FSAs: a simple way to save

FSAs: a simple way to save FSAs: a simple way to save Flexible spending accounts (FSAs) EMPOWERING you TO BUILD HEALTH SAVINGS It s easy to save with an FSA Why FSAs? A simple way to save Take advantage of significant tax savings

More information

Flexible Spending Account

Flexible Spending Account Flexible Spending Account Tel: 513.459.9997 800.982.7715 Fax: 513.459.9947 888.245.8452 askpenny@chard-snyder.com www.chard-snyder.com FSABenny v8.13 Open a Flexible Spending Account and Save 25-40% on

More information

Flexible Spending Account

Flexible Spending Account Flexible Spending Account FSA It s Your Opportunity To Save Money by Paying For Health, Dental, Vision, And Dependent Care With Tax-Free Dollars Part of Your Employee Benefit Plan The Flexible Spending

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

Sutter County Superintendent of Schools

Sutter County Superintendent of Schools Sutter County Superintendent of Schools FLEXIBLE BENEFIT PLAN October 1, 2016 September 30, 2017 THIS PACKET INCLUDES YOUR FLEX PLAN SUMMARY AND OTHER IMPORTANT INFORMATION YOUR FLEX SUMMARY PLAN DESCRIPTION

More information

Portland Cement Association 2016 Health Insurance Open Enrollment. Benefit Plan Year: January 1 st, December 31 st, 2016

Portland Cement Association 2016 Health Insurance Open Enrollment. Benefit Plan Year: January 1 st, December 31 st, 2016 Portland Cement Association 2016 Health Insurance Open Enrollment Benefit Plan Year: January 1 st, 2016 - December 31 st, 2016 WHAT IS OPEN ENROLLMENT? Open enrollment is your once a year opportunity to

More information

BENEFITS ENROLLMENT

BENEFITS ENROLLMENT 2018 2019 BENEFITS ENROLLMENT Open Enrollment begins February 12, 2018. This is your annual opportunity to choose the benefits coverage that s right for you and your family. You will have until March 2,

More information

How To Save On Medical & Child Care Expenses

How To Save On Medical & Child Care Expenses ABS Advanced Benefit Strategies Your Flexible Benefits Specialists How To Save On Medical & Child Care Expenses A Gift from the IRS... Section 125 is an important part of the Internal Revenue Act of 1978

More information

Annual Enrollment Meetings

Annual Enrollment Meetings Non-Union Annual Enrollment Meetings Hussmann Corporation Non-Union Benefit Overview Effective January 1, 2014 Optional Benefits Medical/Pharmacy (PPO & CHP) Health Savings Account (HSA) Flexible Spending

More information

EMPLOYEE BENEFITS 2012 SWITCH/OPEN ENROLLMENT APS Employee Health Fair

EMPLOYEE BENEFITS 2012 SWITCH/OPEN ENROLLMENT APS Employee Health Fair When: Where: October 23 30th, 2012 Time: 7:30 am 5:00pm APS City Center Conference Center, 6400 Uptown Blvd. NE, Albuquerque, NM 87110, West Tower First Floor, Arroyo Chico Conference Room 2012 APS Employee

More information

FSAs: a simple way to save

FSAs: a simple way to save FSAs: a simple way to save Flexible Spending Accounts (FSAs) empowering you to build health savings It s easy to save with an FSA Why FSAs? A simple way to save Take advantage of significant tax savings

More information

How much could you save?

How much could you save? Flexible Spending Arrangements (FSAs) help you save money on day care expenses and allow you to spend it on the things you care about. FSAs will have the whole family cheering! Taxes 101 How much could

More information

FSAGUIDE. basiconline.com TAX SAVINGS FOR. Medical and Dependent Care Expenses

FSAGUIDE. basiconline.com TAX SAVINGS FOR. Medical and Dependent Care Expenses FSAGUIDE TAX SAVINGS FOR Medical and Dependent Care Expenses basiconline.com WHAT IS A FLEXIBLE SPENDING Flexible Spending Accounts (FSA) are part of Section 125, established by the IRS. Section 125 allows

More information

Flexible Spending Account

Flexible Spending Account Flexible Spending Account 3510 Irwin Simpson Road, Mason, OH 45040 Tel: 513.459.9997 800.982.7715 Fax: 513.459.9947 888.245.8452 Email: askpenny@chard-snyder.com Website: www.chard-snyder.com FSABenny

More information

Let s Talk Benefits. Starting the. conversation. Lost 10 pounds. Quit smoking. Needs braces. Learned to ride a bike.

Let s Talk Benefits. Starting the. conversation. Lost 10 pounds. Quit smoking. Needs braces. Learned to ride a bike. Let s Talk Benefits Quit smoking Lost 10 pounds Needs braces Learned to ride a bike Had an eye exam Starting the benefits conversation Plan Year 2017 Table of Contents Welcome... 2 YOUR 2017 BENEFITS Who

More information

Benefit Summary

Benefit Summary 2018-2019 Benefit Summary Your Health Your Decision Welcome to your 2018-2019 Benefits Enrollment What s in the Guide? Enrollment Process....3 Medical........ 4 gap Plan.....5 Dental.....6 Vision... 7

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

Flexible Spending Account

Flexible Spending Account Flexible Spending Account 3510 Irwin Simpson Road, Mason, OH 45040 Tel: 513.459.9997 800.982.7715 Fax: 513.459.9947 888.245.8452 Email: askpenny@chard-snyder.com Website: www.chard-snyder.com FSA Benny

More information

BENEFITS ENROLLMENT

BENEFITS ENROLLMENT 2018 2019 BENEFITS ENROLLMENT Open Enrollment begins February 12, 2018. This is your annual opportunity to choose the benefits coverage that s right for you and your family. You will have until March 2,

More information

EMPLOYER BENEFIT SOLUTIONS FOR YOUR INDUSTRY. Section 125 Plan & Flexible Spending Accounts

EMPLOYER BENEFIT SOLUTIONS FOR YOUR INDUSTRY. Section 125 Plan & Flexible Spending Accounts EMPLOYER BENEFIT SOLUTIONS FOR YOUR INDUSTRY Section 125 Plan & Flexible Spending Accounts Plan today for tomorrow s expenses. Learn How to Save Money If there was a program available that could save you

More information

SPD Flexible Spending Accounts

SPD Flexible Spending Accounts Flexible Spending Accounts 01/01/2018 7-1 Flexible Spending Accounts (FSAs) Flexible Spending Accounts offer a convenient way to pay for health and dependent care expenses on a before-tax basis, reducing

More information

Medical Benefit Summary - Non-Union

Medical Benefit Summary - Non-Union Medical Summary - Non-Union Service HAP HMO Plan PREVENTIVE SERVICES - *UNLIMITED PER MEMBER PER CALENDAR YEAR Health Maintenance Exam includes chest X-ray, EKG and select lab procedures Annual Gynecological

More information

Your Flexible Benefit Plan -- Premium Conversion and the Flexible Spending Accounts

Your Flexible Benefit Plan -- Premium Conversion and the Flexible Spending Accounts Your Flexible Benefit Plan -- Premium Conversion and the Flexible Spending Accounts Updated: April 2015 YOUR FLEXIBLE BENEFIT PLAN PREMIUM CONVERSION AND THE FLEXIBLE SPENDING ACCOUNTS Introduction The

More information

FLEXIBLE SPENDING PLAN

FLEXIBLE SPENDING PLAN Madison-Oneida BOCES FLEXIBLE SPENDING PLAN Summary Plan Description Effective: 10/1/2017 TABLE OF CONTENTS INTRODUCTION... 1 POINTS TO REMEMBER... 2 ELIGIBILITY... 3 HEALTH INSURANCE PREMIUM ACCOUNT...

More information

Understanding the UVA Benefit Savings Accounts

Understanding the UVA Benefit Savings Accounts Understanding the UVA Benefit Savings Accounts UVA s benefit savings accounts can help you save money on health care and dependent daycare expenses. You contribute pre-tax money through payroll deductions

More information

Welcome. What s Inside. Have questions? A Guide to Your Flexible Spending Account (FSA) As you start the new plan year, remember that:

Welcome. What s Inside. Have questions? A Guide to Your Flexible Spending Account (FSA) As you start the new plan year, remember that: Welcome A Guide to Your Flexible Spending Account (FSA) As you start the new plan year, remember that: ``You are saving tax dollars. You won t pay taxes when you use your money for eligible health and/or

More information

Understanding Your Paycheck

Understanding Your Paycheck Understanding Your Paycheck United States Taxes Income Tax Sales Tax Property Tax Estate Tax, Gift Tax Sin Tax 2019 Federal Income Tax Tax Bracket / Filing Status Single Married Filing Jointly or Qualifying

More information

FLEX ENROLLMENT GUIDE

FLEX ENROLLMENT GUIDE FLEX ENROLLMENT GUIDE Email: info@24hourflex.com Help Center: 303-369-7886, 800-651-4855 24HourFlex Fax: 303-369-0003, 800-837-4817 24HourFlex.com 7100 East Belleview Ave., Suite 300 Greenwood Village,

More information

2018 Employee Benefits Guide

2018 Employee Benefits Guide 2018 Employee Benefits Guide TABLE OF CONTENTS Enrollment Process 3 Medical 4-5 Flexible Spending Account 6 Dental 7 Vision 8 Voluntary Benefits 9-10 Life Insurance 11-13 Disability 14 Identity Theft Protection

More information

SAVE 25% TO 40% ON EVERYDAY ITEMS

SAVE 25% TO 40% ON EVERYDAY ITEMS SAVE 25% TO 40% ON EVERYDAY ITEMS WHEN YOU ENROLL IN YOUR take care FLEX BENEFITS PLAN Reduce taxes & increase your take-home pay take care OF YOURSELF PSP_TCPLB1 take care OF YOURSELF Take just a second

More information

2019 Employee Benefits Guide

2019 Employee Benefits Guide 2019 Employee Benefits Guide WHAT S IN THE GUIDE? Enrollment Process 3 Login Instructions 4 Medical 5-6 Flexible Spending Account 7 Dental 8 Vision 9 Voluntary Benefits 10-11 Life Insurance 12-14 Disability

More information

ENROLLMENT GUIDE 2018

ENROLLMENT GUIDE 2018 ENROLLMENT GUIDE 2018 2 The Shopping Experience the who, where, and how of enrolling Page 2 How do I enroll? Welcome to your benefits! Consider this guide your menu, if you will, to help you shop for the

More information

A guide to your. Flexible Spending Account (FSA)

A guide to your. Flexible Spending Account (FSA) A guide to your Flexible Spending Account (FSA) MT992096.indd 1 Welcome How your FSA Works By choosing to set aside money in an FSA account for use on eligible health and/or dependent-care expenses you

More information

Subsystem Technologies, Inc. Employee Benefits Program Plan Year

Subsystem Technologies, Inc. Employee Benefits Program Plan Year Benefit Plans Arranged by Stynchula, Herbert & Associates, Inc. www.stynherb.com (703)273-0222 Subsystem Technologies, Inc. Employee Benefits Program 2013-2014 Plan Year Our employees are our most valuable

More information