Employee Benefits Plan
Arranged by Pierce Group Benefits
HOPEWELL CITY PUBLIC SCHOOLS PLAN YEAR: July 1, 2018 - June 30, 2019
What’s Inside Benefits Plan Overview..................................................................
Hopewell City Public Schools Plan Year July 1, 2018 through June 30, 2019
Hopewell City Public Schools is offering all eligible employees a comprehensive Benefits Program.
This booklet highlights the benefits offered through your employer for the current plan year. Benefits described in this booklet are voluntary, employee-paid benefits unless otherwise noted. You have the opportunity to select the benefits in which you wish to participate. Please see the Benefits Plan Overview section of the booklet for more details.
This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.
Arranged & Enrolled by
Pierce Group Benefits Rev. 04/26/2018
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Health Insurance Optima Health Benefit Highlights………….……..……………………… Covered Preventive Services……..………………………….…..……… Advantages of Health Savings Accounts………………….…………… MDLIVE – On-Demand Medical Access…………...…………….…….. OptimaHealth.com – Getting Started.……………………….………….. Optima Health Treatment Cost Calculator……...……….……………...
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Dental Benefits……….…………….…………….………
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Vision Benefits………….…………….…………….……
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Health, Dental & Vision Rates – 2018-2019………………...
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Dependent Care Flexible Spending Account………………
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Medical Bridge Indemnity Benefits………………………..
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Disability Benefits…………………………………………
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Cancer Benefits…………………………………………...
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Group Critical Care Benefits………………………………
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Accident Benefits…………………………………………
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Life Insurance…………………………………………….
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Mobile Apps – View Benefits On-the-Go……………...………………………
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COBRA Continuation of Coverage Rights……..………………………
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Authorization Form……………………………………………………
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Notice of Insurance Information Practices…………………………….
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Supplemental Continuation of Coverage Form………………………..
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HOPEWELL CITY PUBLIC SCHOOLS EMPLOYEE BENEFITS PROGRAM Provided by Pierce Group Benefits
Pre-Tax Benefits Health Insurance
Optima Health
Dental Insurance
Sun Life
Vision Insurance
Superior
Flexible Spending Account* o Dependent Care Reimbursement FSA Maximum $5,000/year Cancer Benefits
Colonial Life
Accident Benefits
Colonial Life
Medical Bridge Indemnity Benefits
Colonial Life
*You will need to re-sign for the Dependent Care Spending Account if you want it to continue each year.
Post-Tax Benefits Disability Benefits
Colonial Life
Group Critical Care Benefits
Colonial Life
Life Insurance o Term Life Insurance o Whole Life Insurance
Colonial Life Colonial Life
Enrollment Period May 1, 2018 through May 18, 2018 Effective Dates July 1, 2018 through June 30, 2019
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Qualifications • Employees must work at least 20 hours a week to be eligible for benefits.
Important Facts: The plan year for Optima Health, Sun Life Dental, Superior Vision, Colonial Insurance products and Dependent Care Spending Accounts lasts from July 1, 2018 through June 30, 2019. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st. Deductions for Optima Health, Sun Life Dental, Superior Vision and Dependent Care Spending Accounts will begin June 2018. Deductions for Colonial Insurance products will begin July 2018. If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when meeting with the Benefits Representative. If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses, available from your Benefits Representative during the open enrollment period. Please note that your debit card is good through the expiration date printed on the card. Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse's employment, or the transition of spouse's employment from full-time to part-time or vice-versa. Once a family status change has occurred, an employee has 30 days to notify the Pierce Group Benefits Service Center at 1-800-387-5955 to request a change in elections. Dependent Care Reimbursement expenses must be incurred during the Plan Year in order to be eligible for reimbursement. An employee has 90 days after the plan year ends to submit claims for dependent care expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee's plan year ends the day employment ends. The employee has 90 days after the termination date to submit claims. For Dependent Care Flexible Spending Accounts, the maximum reimbursement you can get is equal to the current account balance in your Dependent Care account. The Colonial Cancer plan and the Health Screening Rider on the Colonial Medical Bridge plan have a 30day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2018.
Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details. Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution. An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Benefits Program until the next plan year. Please contact your Hopewell City Public Schools Benefit Administrator for more information.
To enroll or make changes to your Benefits Plan, please see the representative while he/she is at your location.
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HEALTH INSURANCE Provided by Optima Health Please visit www.piercegroupbenefits.com/hopewellcitypublicschools to review plan summaries and other required notices
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Health Insurance Covered Preventive Services
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Health Insurance Covered Preventive Services
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Health Insurance Advantages of Health Savings Accounts
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Health Insurance Advantages of Health Savings Accounts
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Health Insurance MDLIVE – On-Demand Medical Access
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Health Insurance MDLIVE – On-Demand Medical Access
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Health Insurance OptimaHealth.com – Getting Started
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Health Insurance OptimaHealth.com – Getting Started
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Health Insurance Optima Health Treatment Cost Calculator
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DENTAL INSURANCE Provided by Sun Life
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Dental Insurance
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Dental Insurance
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Dental Insurance
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Dental Insurance
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VISION INSURANCE Provided by Superior
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HEALTH, DENTAL &VISION RATES FULL-TIME EMPLOYEES
Hopewell City Public Schools July 1, 2018- June 30, 2019 Full-Time Employees - Contribution Schedule (30 hours or more)
Equity Vantage 2700 -High Deductible Health Plan Employer provides $1,800 in HSA Contribution
Total Monthly Premium Employer Monthly Contribution Employee Monthly Contribution
Employee Only $480.00 $430.00 $50.00
Employee + Children $796.00 $600.00 $196.00
Employee + Spouse $1,009.00 $769.00 $240.00
Employee + Family $1,453.00 $1,113.00 $340.00
Vantage 1000 Copay Plan
Total Monthly Premium Employer Monthly Contribution Employee Monthly Contribution
Employee Only $896.00 $621.00 $275.00
Employee + Children $1,485.00 $838.00 $647.00
Employee + Spouse $1,888.00 $1,021.00 $867.00
Employee + Family $2,717.00 $1,422.00 $1,295.00
Out of Area Plan - Equity Plus 3000High Deductible Health Plan Employer provides $1,800 in HSA Contribution
Total Monthly Premium Employer Monthly Contribution Employee Monthly Contribution
SUN LIFE DENTAL PLAN Total Monthly Premium Employer Monthly Contribution Employee Monthly Contribution
SUPERIOR VISION PLAN Employee Monthly Contribution 20 | Hopewell City Public Schools
Employee Only
Employee + Children
Employee + Spouse
Employee + Family
$603.00 $310.00 $293.00
$998.00 $483.00 $515.00
$1,269.00 $623.00 $646.00
$1,826.00 $932.00 $894.00
Employee Only $42.68 $23.76 $18.92
Employee + Children $71.78 $27.62 $44.16
Employee + Spouse $71.78 $27.62 $44.16
Employee + Family $117.37 $36.20 $81.17
Employee Only $6.33
Employee + Children $12.24
Employee + Spouse $11.68
Employee + Family $18.33
HEALTH, DENTAL &VISION RATES PART-TIME EMPLOYEES
Hopewell City Public Schools July 1, 2018- June 30, 2019 Part-Time Employees - Contribution Schedule (20 hours or more)
Equity Vantage 2700 -High Deductible Health Plan Employer provides $1,800 in HSA Contribution
Total Monthly Premium Employer Monthly Contribution Employee Monthly Contribution
Employee Only $480.00 $215.00 $265.00
Employee + Children $796.00 $300.00 $496.00
Employee + Spouse $1,009.00 $384.50 $624.50
Employee + Family $1,453.00 $556.50 $896.50
Vantage 1000 Copay Plan
Total Monthly Premium Employer Monthly Contribution Employee Monthly Contribution
Employee Only $896.00 $310.50 $585.50
Employee + Children $1,485.00 $419.00 $1,066.00
Employee + Spouse $1,888.00 $510.50 $1,377.50
Employee + Family $2,717.00 $711.00 $2,006.00
Out of Area Plan - Equity Plus 3000High Deductible Health Plan Employer provides $1,800 in HSA Contribution
Total Monthly Premium Employer Monthly Contribution Employee Monthly Contribution
SUN LIFE DENTAL PLAN Total Monthly Premium Employer Monthly Contribution Employee Monthly Contribution
SUPERIOR VISION PLAN Employee Monthly Contribution
Employee Only $603.00 $155.00 $448.00
Employee + Children $998.00 $241.50 $756.50
Employee + Spouse $1,269.00 $311.50 $957.50
Employee + Family $1,826.00 $466.00 $1,360.00
Employee Only $42.68 $11.88 $30.80
Employee + Children $71.78 $13.81 $57.97
Employee + Spouse $71.78 $13.81 $57.97
Employee + Family $117.37 $18.10 $99.27
Employee Only $6.33
Employee + Children $12.24
Employee + Spouse $11.68
Employee + Family $18.33
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DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT How the AmeriFlex Plan Works If you participate in the AmeriFlex FSA plan, you will elect to have a specified amount of “pre-tax” money deducted from your paycheck each pay period. These funds are subtracted from your gross earnings before taxes and put into an FSA that you can then use to pay for eligible out-of-pocket expenses.
-Increase your take-home pay with an FSA plan!
Eligible Expenses Dependent Day Care Spending Account Eligible Expenses With a Dependent Day Care Account, you can set aside pre-tax payroll deductions to reimburse the expenses associated with day care for your qualified dependents. Eligible expenses must meet the following requirement: The care of the dependent must enable you and your spouse to be employed The amount to be reimbursed must not be greater than your spouse’s income or your income, whichever is less The child must be under the age of 13 and must be your dependent under federal tax rules The services may be provided in your home or another location, but not by someone who is your minor child or dependent for income tax purposes (e.g. an older sibling) – the caregiver’s SSN will be required If the services are provided by a daycare facility that cares for six or more children simultaneously, the facility must comply with state and local day care regulations Services must be for the physical care of the child, not for education, meals, etc. Qualified dependent care expenses also include costs for the care of the spouse or other adult dependent who lives in your home and is incapable of self-care, has gross income below the exemption amount in IRS Code 151, is dependent on you for more than half their support, and is not anyone else’s qualifying child (e.g. an invalid parent). The same rules that apply for childcare apply to the care of other dependents, except the dependent need not be under age 13.
Funding Your Account The government sets the maximum amount for your Dependent Day Care Spending Account.
Determining Account Contributions
Dependent Day Care: The IRS establishes the contribution limits for Dependent Day Care Accounts.
The “Use It or Lose It” Rule If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. This rule, established by the IRS as a component of taxadvantaged plans, is referred to as the “use it or lose it” rule. To avoid losing any of the funds you contribute to your FSA, it’s important to plan ahead as much as possible to estimate what your expenditures will be in a given plan year.
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Dependent Care Flexible Spending Account
Paying for Eligible Expenses The AmeriFlex Convenience Card The easiest way to pay for eligible expenses is to use your AmeriFlex Convenience Card, which provides you with access to your Dependent Care FSA account with a single card. The AmeriFlex Convenience Card works just like a regular debit card, but with three important differences:
Its use is limited to specific merchants* and to expenses deemed eligible by your plan. You cannot use your AmeriFlex Convenience Card at an ATM or to obtain “cash back” when making a purchase. You are not given a PIN with this card. Should a merchant or provider ask you for a PIN, simply explain that this card does not require one. If given the option between “DEBIT” or “CREDIT” at the terminal, choose “CREDIT.”
* Your card cannot be used at non-qualified businesses such as gas stations, retailers, convenience stores, etc.
Filing a Manual Claim If you do not use your AmeriFlex Convenience Card to pay for an eligible expense, you can also pay for the expenses out-ofpocket and then get reimbursed from your FSA by filing a manual claim. To file a manual claim, simply complete the AmeriFlex Claim Form (available on the Forms section of the AmeriFlex Web site, www.myameriflex.com) and send it to AmeriFlex along with substantiation of the claim.
Claims can be submitted via mail, fax, or e-mail to: AmeriFlex (Attn: Claims Department) P.O. Box 269009 Plano, TX 75026 Fax: 888.631.1038 (Attn: Claims Department) E-mail: claims@myameriflex.com As an added convenience, you can also submit your claim and supporting documentation online through the AmeriFlex Convenience Portal! Visit www.myameriflex.com or contact AmeriFlex Member Services for more information about this option. Information required on all claim requests includes: the date of service, the product or service description, the total dollar amount being requested, the service provider’s name, and, for dependent day care requests, the provider’s signature and tax ID or Social Security Number. When you submit a claim by fax or mail, you can opt to have your reimbursement mailed to you as a check or direct-deposited into your bank account.
Your Card Account Balance and Transaction Receipts
What if there’s not enough money in my account? If you charge more than the available balance in your account, the transaction will be denied. You can obtain your current account balance by logging in to your account from the AmeriFlex Web site (www.myameriflex.com) or by calling the AmeriFlex Interactive Voice Response System (available 24/7) at 888.868.Flex (3539). Be sure to keep track of your account balance to avoid denied charges.
Do I need my receipts? Possibly, so please be sure to save all your receipts as proof that FSA funds were used to pay for eligible expenses! For certain expenses, AmeriFlex may need additional information, including receipts, to verify eligibility of the expense and to comply with IRS rules. That’s why it’s important to save your receipts and fax or mail them promptly if requested. Failure to comply could jeopardize the tax-exempt status of your account and cause the card to be deactivated.
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Dependent Care Flexible Spending Account
FSA Election Changes What if I want to make a change to my FSA Election? In general, you cannot change your FSA election in the middle of a plan year. However, the IRS allows participants to make changes to their election if they experience what is referred to as a “qualifying event” that causes them to have a change in personal status. Qualifying events include:
Change in provider (Dependent Day Care only) Change in cost of day care (Dependent Day Care only) Change in legal marital status Change in number of dependents Change in employment status Change in work schedule (increase or decrease in hours) Dependent satisfies (or ceases to satisfy) requirements for eligibility
The election change must be consistent with the qualifying event.
Employee Termination/Claims Procedure AmeriFlex will deactivate the terminated employee’s AmeriFlex Convenience Card on the date they are notified of the termination. Any eligible expenses incurred, and not yet submitted for reimbursement prior to or on the date of termination, must be filed using a manual claim form and must be received by AmeriFlex within the run-out period described in the Summary Plan Description.
Tax Implications Will pre-taxing have an impact on Social Security benefits? Reductions in your taxable pay may lead to a reduction in Social Security benefits; however, for most employees, the reduction in Social Security benefits is insignificant when compared to the value of paying lower taxes now.
Dependent Day Care Tax Filing On your tax return you must report the correct name, address, and taxpayer identification number (TIN) of your dependent care provider. If your dependent care provider is exempt from federal income taxation, you are not required to report TIN; however, you must report the correct name and address of the exempt provider and write “tax-exempt” in the space provided for the TIN.
Tax Credits vs. Dependent Care Spending Accounts If you participate in a Dependent Care Spending Account, you cannot claim credits on your income tax return for the same expenses. Also, any amount reimbursed under this plan will reduce the amount of other dependent care expenses that you can claim for purposes of tax credits. Before you enroll in a Dependent Day Care Account, evaluate whether the federal income tax credit or the Dependent Care Spending Account is best for you. Refer to the following federal tax forms and publications for more information (available at http://www.irs.gov/):
Form 2441 (Child and Dependent Care Expenses) Form 1040 Schedule EIC and IRS Publication 596 (Earned Income Credit) Form 8812 and IRS Publication 972 (Child Tax Credit) Frequently Asked Questions
Contact Information
24/7 Interactive Voice Response (IVR): 888.868.3539 Member Services Toll-Free Phone: 888.868.3539 (8:30a.m. to 8:00p.m. EST) Web: www.myameriflex.com Member Services Email: service@myameriflex.com Fax: 800.282.9818 Mail: 3000 Internet Blvd., Suite 200, Frisco, Texas 75034
This information is presented for information purposes only and is not intended as legal, tax, accounting, or other professional advice. Individuals concerned about their own individual tax situation are encouraged to consult with a professional advisor. Furthermore, the information in this kit is also subject to change at any time as laws and regulations change.
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Dependent Care Flexible Spending Account Important Information
AmeriFlex Flexible Benefits Plan Hopewell City Public Schools Plan Year: July 1, 2018 through June 30, 2019 What are my Maximum Annual Contributions? The maximum you may contribute to the Dependent Care Flexible Spending Account is $5,000/year What happens if I don’t use all the money in my FSA by the end of the plan year? By law, employers are not allowed to return leftover money to participants. How does an FSA work? First you choose how much money you would like automatically deducted from your paycheck for your dependent care FSA. Then you can use a debit card to spend the money in your account on eligible expenses. If you do not have a debit card, you submit receipts and get reimbursed by check or direct deposit, if available. When can I start using the money in my FSA account? The maximum amount you can be reimbursed for is equal to the current account balance in your Dependent Care account. Will I get paid less every pay period if I enroll in an FSA? Yes and No! Your gross, or pre-tax, pay will remain the same. But your “net” pay will be lower because a portion of it will go into your FSA account. The advantage is that this money gets put into your FSA account before taxes, which lowers your “taxable” income. When do I choose my contribution amount and can I change it anytime? You choose your FSA contribution amount during your annual enrollment; this is the time of year you can elect and/or change your benefits such as medical, dental, etc. For Hopewell City Public Schools, the enrollment period is May 1, 2018 through May 18, 2018. Once your contribution election becomes effective, you won’t be able to change it until the next enrollment period, unless there is a change in your eligibility status (e.g., marital status, having or adopting a child, etc.). You must check with your employer for specific eligibility status change rules. Who is eligible to participate? Employees who work at least 20 hours per week are eligible to participate. Eligible employees must sign a new enrollment form before the start of each plan year. Eligible employees can claim expenses incurred by their dependents as defined under section 125 of the Internal Revenue Code. What happens to my FSA contributions if I leave or am terminated from my job? If you leave or are terminated from your job and have a positive balance in your FSA account, you do have COBRA rights. If you do not exercise those rights, the balance remaining in your FSA will be forfeited. How may I access my account information? You may log in to your FSA account anytime to view your account balance, account activity and transaction history. Access your account at www.myameriflex.com. You may also call AmeriFlex directly at 888-868-3539 to speak to a representative or to access the 24/7 Interactive Voice Response System.
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Flexible Spending Accounts Managing Your Account
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MEDICAL BRIDGE INDEMNITY BENEFIT Provided by Colonial Life The following information highlights the benefits of the current Medical Bridge policy available through your benefits package. If you enrolled in a Medical Bridge Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your enrollment period or call the Pierce Group Service Center at 1-800-387-5955 for any assistance.
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Medical Bridge Indemnity Benefit
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Medical Bridge Indemnity Benefit
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Medical Bridge Indemnity Benefit
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Medical Bridge Indemnity Benefit
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Medical Bridge Indemnity Benefit
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DISABILITY BENEFIT Provided by Colonial Life The following information highlights the benefits of the current Disability policy available through your benefits package. If you enrolled in a Disability Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your enrollment period or call the Pierce Group Service Center at 1-800-387-5955 for any assistance.
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Disability Benefit
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Disability Benefit
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Disability Benefit
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CANCER BENEFIT Provided by Colonial Life The following information highlights the benefits of the current Cancer policy available through your benefits package. If you enrolled in a Cancer Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your enrollment period or call the Pierce Group Service Center at 1-800-387-5955 for any assistance.
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Cancer Benefit
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Cancer Benefit
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Cancer Benefit
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Cancer Benefit Level 4 Benefits
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Cancer Benefit Level 4 Benefits
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Cancer Benefit Wellness Benefit
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Cancer Benefit Cancer Rates – Levels 1-4
Individual Cancer Rates LEVEL 1 – Monthly Premiums - Composite Rates Employee
Employee /Spouse
One-Parent Family
Two-Parent Family
$18.25
$28.75
Level 1 with $100 Cancer Wellness/Health Screening Premium
$18.10
$28.60
LEVEL 2 – Monthly Premiums - Composite Rates Employee
Employee /Spouse
One-Parent Family
Two-Parent Family
$21.95
$34.15
Level 2 with $100 Cancer Wellness/Health Screening Premium
$21.65
$33.85
LEVEL 3 – Monthly Premiums - Composite Rates Employee
Employee /Spouse
One-Parent Family
Two-Parent Family
$27.10
$44.85
Level 3 with $100 Cancer Wellness/Health Screening Premium
$26.65
$44.40
LEVEL 4 – Monthly Premiums - Composite Rates Employee
Employee /Spouse
One-Parent Family
Two-Parent Family
$36.20
$60.00
One-Parent Family
Two-Parent Family
$1.75
$1.25
$1.75
$2.50
$1.60
$2.60
$7.80
$17.05
Level 4 with $100 Cancer Wellness/Health Screening Premium
$35.60
$59.40
OPTIONAL RIDERS Employee
Employee /Spouse
Specified Disease Hospital Confinement Rider Premium
$1.25
Initial Diagnosis of Cancer Rider (per $1,000) Premium
$1.50
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$7.80
$17.05
GROUP CRITICAL CARE BENEFIT Provided by Colonial Life The following information highlights the benefits of the current Group Critical Care policy available through your benefits package. If you enrolled in a Critical Care Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your enrollment period or call the Pierce Group Service Center at 1-800-387-5955 for any assistance.
GROUP CRITICAL CARE – PLAN 1 – CANCER AND SPECIFIED DISEASE
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Group Critical Care Benefit Plan 1 – Cancer & Specified Disease
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Group Critical Care Benefit Plan 3 – Specified Disease GROUP CRITICAL CARE – PLAN 3 – SPECIFIED DISEASE
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Group Critical Care Benefit Plan 3 – Specified Disease
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Group Critical Care Benefit Health Screening Benefit
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ACCIDENT BENEFIT Provided by Colonial Life The following information highlights the benefits of the current Accident policy available through your benefits package. If you enrolled in an Accident Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your enrollment period or call the Pierce Group Service Center at 1-800-387-5955 for any assistance.
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Accident Benefit
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Accident Benefit
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Accident Benefit
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TERM LIFE INSURANCE Provided by Colonial Life The following information highlights the benefits of the current Term Life policy available through your benefits package. If you enrolled in a Term Life Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your enrollment period or call the Pierce Group Service Center at 1-800-387-5955 for any assistance.
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Term Life Insurance
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WHOLE LIFE INSURANCE Provided by Colonial Life The following information highlights the benefits of the current Whole Life policy available through your benefits package. If you enrolled in a Whole Life Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your enrollment period or call the Pierce Group Service Center at 1-800-387-5955 for any assistance.
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Whole Life Insurance
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Whole Life Insurance Long-Term Care Benefit Rider
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Whole Life Insurance Long-Term Care Benefit Rider
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Juvenile Whole Life Insurance
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Juvenile Whole Life Insurance
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MOBILE APPS – VIEW BENEFITS ON-THE-GO
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General Notice of COBRA Continuation Coverage Rights ** Continuation Coverage Rights Under COBRA** Introduction You are receiving this notice because you recently gained coverage under a group health plan (the Plan). This notice has important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan. This notice explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect your right to get it. When you become eligible for COBRA, you may also become eligible for other coverage options that may cost less than COBRA continuation coverage. The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA continuation coverage can become available to you and other members of your family when group health coverage would otherwise end. For more information about your rights and obligations under the Plan and under federal law, you should review the Plan’s Summary Plan Description or contact the Plan Administrator. You may have other options available to you when you lose group health coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse’s plan), even if that plan generally doesn’t accept late enrollees. What is COBRA continuation coverage? COBRA continuation coverage is a continuation of Plan coverage when it would otherwise end because of a life event. This is also called a “qualifying event.” Specific qualifying events are listed later in this notice. After a qualifying event, COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.” You, your spouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Under the Plan, qualified beneficiaries who elect COBRA continuation coverage must pay for COBRA continuation coverage. If you’re an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events: Your hours of employment are reduced, or Your employment ends for any reason other than your gross misconduct. If you’re the spouse of an employee, you’ll become a qualified beneficiary if you lose your coverage under the Plan because of the following qualifying events: Your spouse dies; Your spouse’s hours of employment are reduced; Your spouse’s employment ends for any reason other than his or her gross misconduct; Your spouse becomes entitled to Medicare benefits (under Part A, Part B, or both); or You become divorced or legally separated from your spouse. Your dependent children will become qualified beneficiaries if they lose coverage under the Plan because of the following qualifying events: The parent-employee dies; The parent-employee’s hours of employment are reduced; The parent-employee’s employment ends for any reason other than his or her gross misconduct; The parent-employee becomes entitled to Medicare benefits (Part A, Part B, or both); The parents become divorced or legally separated; or The child stops being eligible for coverage under the Plan as a “dependent child.”
Sometimes, filing a proceeding in bankruptcy under title 11 of the United States Code can be a qualifying event. If a proceeding in bankruptcy is filed with respect to Hopewell City Public Schools, and that bankruptcy results in the loss of coverage of any retired employee covered under the Plan, the retired employee will become a qualified beneficiary. The retired employee’s spouse, surviving spouse, and dependent children will also become qualified beneficiaries if bankruptcy results in the loss of their coverage under the Plan. When is COBRA continuation coverage available? The Plan will offer COBRA continuation coverage to qualified beneficiaries only after the Plan Administrator has been notified that a qualifying event has occurred. The employer must notify the Plan Administrator of the following qualifying events: The end of employment or reduction of hours of employment; Death of the employee; Commencement of a proceeding in bankruptcy with respect to the employer; or The employee’s becoming entitled to Medicare benefits (under Part A, Part B, or both). For all other qualifying events (divorce or legal separation of the employee and spouse or a dependent child’s losing eligibility for coverage as a dependent child), you must notify the Plan Administrator within 60 days after the qualifying event occurs. You must provide this notice to: Missy Shores at Hopewell City Public Schools. Applicable documentation will be required i.e. court order, certificate of coverage etc.
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General Notice of COBRA Continuation Coverage Rights (continued)
How is COBRA continuation coverage provided? Once the Plan Administrator receives notice that a qualifying event has occurred, COBRA continuation coverage will be offered to each of the qualified beneficiaries. Each qualified beneficiary will have an independent right to elect COBRA continuation coverage. Covered employees may elect COBRA continuation coverage on behalf of their spouses, and parents may elect COBRA continuation coverage on behalf of their children. COBRA continuation coverage is a temporary continuation of coverage that generally lasts for 18 months due to employment termination or reduction of hours of work. Certain qualifying events, or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of 36 months of coverage. There are also ways in which this 18-month period of COBRA continuation coverage can be extended: Disability extension of 18-month period of COBRA continuation coverage If you or anyone in your family covered under the Plan is determined by Social Security to be disabled and you notify the Plan Administrator in a timely fashion, you and your entire family may be entitled to get up to an additional 11 months of COBRA continuation coverage, for a maximum of 29 months. The disability would have to have started at some time before the 60th day of COBRA continuation coverage and must last at least until the end of the 18-month period of COBRA continuation coverage. Second qualifying event extension of 18-month period of continuation coverage If your family experiences another qualifying event during the 18 months of COBRA continuation coverage, the spouse and dependent children in your family can get up to 18 additional months of COBRA continuation coverage, for a maximum of 36 months, if the Plan is properly notified about the second qualifying event. This extension may be available to the spouse and any dependent children getting COBRA continuation coverage if the employee or former employee dies; becomes entitled to Medicare benefits (under Part A, Part B, or both); gets divorced or legally separated; or if the dependent child stops being eligible under the Plan as a dependent child. This extension is only available if the second qualifying event would have caused the spouse or dependent child to lose coverage under the Plan had the first qualifying event not occurred. Are there other coverage options besides COBRA Continuation Coverage? Yes. Instead of enrolling in COBRA continuation coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as a spouse’s plan) through what is called a “special enrollment period.” Some of these options may cost less than COBRA continuation coverage. You can learn more about many of these options at www.healthcare.gov. If you have questions Questions concerning your Plan or your COBRA continuation coverage rights should be addressed to the contact or contacts identified below. For more information about your rights under the Employee Retirement Income Security Act (ERISA), including COBRA, the Patient Protection and Affordable Care Act, and other laws affecting group health plans, contact the nearest Regional or District Office of the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) in your area or visit www.dol.gov/ebsa. (Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA’s website.) For more information about the Marketplace, visit www.HealthCare.gov. Keep your Plan informed of address changes To protect your family’s rights, let the Plan Administrator know about any changes in the addresses of family members. You should also keep a copy, for your records, of any notices you send to the Plan Administrator. Plan contact information Hopewell City Public Schools Attn: Missy Shores, Human Resources 103 N 12th Street Hopewell, VA 23860 Phone: 804-541-6400 COBRA Administrator for Health, Dental and Vision Coverage Ameriflex Claims Department PO Box 269009 Plano, TX 75026
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Authorization for Colonial Life & Accident Insurance Company For the purpose of evaluating my application(s) for insurance submitted during the current enrollment and eligibility for benefits under any insurance issued including checking for and resolving any issues that may arise regarding incomplete or incorrect information on my application(s), I hereby authorize the disclosure of the following information about me and, if applicable, my dependents, from the sources listed below to Colonial Life & Accident Insurance Company (Colonial) and its duly authorized representatives. Health information may be disclosed by any health care provider or institution, health plan or health care clearinghouse that has any records or knowledge about me including prescription drug database or pharmacy benefit manager, or ambulance or other medical transport service. Health information may also be disclosed by any insurance company, Medicare or Medicaid agencies or the Medical Information Bureau (MIB). Health information includes my entire medical record, but does not include psychotherapy notes. Non-health information including earnings or employment history deemed appropriate by Colonial to evaluate my application may be disclosed by any person or organization that has these records about me, including my employer, employer representative and compensation sources, insurance company, financial institution or governmental entities including departments of public safety and motor vehicle departments. Any information Colonial obtains pursuant to this authorization will be used for the purpose of evaluating my application(s) for insurance or eligibility for benefits. Some information obtained may not be protected by certain federal regulations governing the privacy of health information, but the information is protected by state privacy laws and other applicable laws. Colonial will not disclose the information unless permitted or required by those laws. This authorization is valid for two (2) years from its execution and a copy is as valid as the original. A copy will be included with my contract(s) and I or my authorized representative may request access to this information. This authorization may be revoked by me or my authorized representative at any time except to the extent Colonial has relied on the authorization prior to notice of revocation or has a legal right to contest coverage under the contract(s) or the contract itself. If revoked, Colonial may not be able to evaluate my application(s) for insurance or eligibility for benefits as necessary to issue my contract(s). I may revoke this authorization by sending written notice to: Colonial Life & Accident Insurance Company, Underwriting Department, P.O. Box 1365, Columbia, SC 29202. You may refuse to sign this form; however, Colonial may not be able to issue your coverage. I am the individual to whom this authorization applies or that person’s legal Guardian, Power of Attorney Designee, or Conservator.
________________________ (Printed name of individual subject to this disclosure)
_____________ (Social Security Number)
___________________ (Signature)
________________ (Date Signed)
If applicable, I signed on behalf of the proposed insured as __________________________ (indicate relationship). If legal Guardian, Power or Attorney Designee, or Conservator.
________________________________ (Printed name of legal representative)
_____________________________ (Signature of legal representative)
___________ (Date Signed)
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Optima Health – Health Insurance
Superior - Vision Insurance
See the inside of your Benefit Booklet for more details on how to access your benefits through Optima Health
Customer Service.........................................................1-800-507-3800 Internet Address….........................................www.superiorvision.com
Customer Service………………..1-757-552-7110 or 1-800-229-1199 Internet Address…………………………......www.optimahealth.com
AmeriFlex – Dependent Care Spending Account Customer Service.........................................................1-888-868-3539 Internet Address…...........................................www.myameriflex.com
Sun Life - Dental Insurance Customer Service.........................................................1-800-442-7742 Internet Address……………………………....…www.sunlife.com/us
See page 26 of your Benefit Booklet for information on Managing your Flexible Spending Accounts!
Colonial Life – Supplemental Insurance Visit ColonialLife.com to set up your personal account. Download the free My Colonial Life app available at the Apple iTunes store to access claims and policy information!
Customer Service & Wellness Screenings 1-800-325-4368 Internet Address www.coloniallife.com Claims Fax 1-800-880-9325 If you wish to file a Wellness/Cancer Screening claim for a test performed within the past 18 months, you need the name and date of the test performed as well as your doctor’s name and phone number. Colonial also needs to know if this is for you or another covered individual and their name and social security number. You may: FILE BY PHONE! Call 1-800-325-4368 and provide the information requested by Colonial’s Automated Voice Response System, 24 hours per day, 7 days a week, or SUBMIT ON THE INTERNET using the Wellness Claim Form at www.coloniallife.com, or Write your name, address, social security number and/or policy/certificate number on your bill and indicate “Wellness Test.” Fax this to Colonial at 1-800-880-9325 or MAIL to PO Box 100195, Columbia, SC 29202 If your Wellness/Cancer Screening test was more than 18 months ago, you must fax or mail Colonial a copy of the bill or statement from your doctor indicating the type of procedure performed, the charge incurred and the date of service. Please write your full name, social security number, and current address on the bill. Please Note: If your cancer policy includes a second part to the screening benefit, bills for tests covered and a copy of the diagnostic report (reflecting the abnormal reading of your first test) must be mailed or faxed to us for benefits to be provided.
When you terminate employment with Hopewell City Public Schools, you have the opportunity to continue your Colonial coverage either through direct billing or automatic payment through your bank account. Please contact Colonial at 1-800-325-4368 to request the continuation of benefits form.
To view your benefits online visit
www.piercegroupbenefits.com/hopewellcitypublicschools or for additional information concerning plans offered to employees of Hopewell City Public Schools, please contact our Pierce Group Benefits Service Center at 1-800-387-5955