2017 City of Farmers Branch Employee Benefit Guide

2017 Benefit Elections Electing your benefits to fit your household needs is up to you, the consumer. You have the ability to shop for medical services at a better rate and help drive our cost down. Through BenSelect, a simple web-based system, you can access your benefit options and make your elections through their site at: www.BenSelect.com.

NOTE: You must login and make your selections to let us know that you are keeping things the same, making new elections, or waiving benefits.

Once the enrollment period closes you cannot make any changes to your benefits until the next enrollment period unless you have a Qualifying Life Event.

How to Enroll Visit www.BenSelect.com which takes you to Selerix, our enrollment site. Be sure to follow all instructions carefully. You’ll be asked to enter your Social Security # plus a PIN. Your PIN is the last four digits of your Social Security Number plus the last two digits of your birth year. Example: Lois Lane with SSN 111-22-3333 born in 1948, has a password of 333348. Please review, print and keep the Confirmation Statement for your records.

Ensure to Verify 

Verify if your doctors/physicians are in-network



Verify that your medications/prescriptions are covered



Verify that your beneficiaries are updated

* If you are adding your dependent(s) for the first time you will be required to provide proof of dependent status to Human Resources prior to the enrollment deadline. Supporting documentation includes a Marriage Certificate for proof of spouse or Birth Certificate for proof of dependent children.

www.benselect.com

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Qualifying Life Events After choosing your benefit elections, those choices remain in effect for the entire year unless you have a “Qualified Life Event.” If you have a qualified life event during the year you must contact Human Resources within 30 days of the event to make changes to your benefits.

Examples of Qualifying Life Events: 

Change in your legal marital status due to marriage, death of your spouse, divorce, or annulment



Change in the number of your dependents - birth, adoption of a child or if a child is no longer an eligible dependent. Newborn: Coverage is effective the date of birth provided verification of birth and enroll ment are completed within 30 days of birth.



Covered family member death



You or your eligible dependents experience a change in employment that affects eligibility for benefits



You or your dependent become entitled to coverage or lose coverage under Medicare or Medicaid

Note: Your change in coverage must be consistent with your change in status. This is not meant to be an exhaustive list of Qualifying Life Events.

You must make changes within 30 days of a qualified event by providing supporting documentation and enrolling online.

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Branch Wellness Employee Wellness Program Branch Wellness is a cornerstone of our Employee Benefits. The Branch Wellness program allows participants to earn up to $700 (per household) towards your Medical HSA account on a point based program. Employees and covered spouses must earn 300 points each through the Branch Wellness program to receive the full incentive. All points and activities are managed by Viverae on the Branch Wellness portal, www.BranchWellness.com.

First Time Users First time users will need to create a unique login by using the following under “New User Registration” Employee Identifier

Covered Spouse Identifier

Employee ID: (4 digits)

“SP” plus Employee ID: (alphanumeric)

Example: 1234

Example: SP-1234

Registration Code: COFB

Registration Code: COFB

Return Users Login information will be the same as the previous year. If you have issues logging in, please utilize the forgot password/user name feature on the main page.

Contributions Contributions into your HSA take place twice a year and are based on the number of points earned at specified deadlines. First deadline is April 30, 2017 and second deadline is November 15, 2017.

* New employees hired after October 15th, will be eligible to participate in the Wellness program the following year.

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Branch Wellness Employee Wellness Program

Earning Points There are many different ways to earn points thru this program. You can watch webinars, answer questionnaires, participate in a Healthy Event, sync your smart devices to one of the many health apps listed on your Branch Wellness page, plus several more options. There are 2 requirements to qualify for any of the incentive. One, complete the online “MHA” Member Health Assessment and two, participate in the onsite Bio Metric Screening and/or complete your annual physical capturing the biometric screening at the time of visit. You’ll have to ensure to download and print the Physician Lab Form and take it with you at the time of your appointment with your physician. They in turn will complete and sign the form and have it faxed over to Viverae for credit. Please note that it can take up to 10 business days for that credit to reflect on your wellness page after you or your doctor submit the form.

Those are required. Other than that, we work on our health numbers and earn points by participating in Health Challenges, events, webinars or even syncing your fitness device or app to your site!

Questions If you have any questions, please contact: Viverae at (888) 848.3723 Monday - Thursday from 7:00am - 7:30pm Fridays from 7:00am - 6:00pm CT.

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Medical Your UHC High Deductible Health Plan is supported by a Health Savings Account (HSA). The HSA allows employees to save for health related expenses with pre-tax dollars and allows participants to roll over remaining funds and potentially earn interest on account balances. Through UHC, you will have the freedom to see any in network provider. Please remember there is no out-of-network benefit.

Highlights of Your Plan: 

The plan does not pay any benefits, except for qualified preventive care, until the deductible is met. This includes medications and prescriptions.



For single coverage, the Annual Deductible is $2,000 per Covered Person per calendar year.

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For EE + 1 or family coverage, the Annual Deductible is $4,000 per calendar year for all Covered Persons for in-network provider/services. No one in the family is eligible for benefits until the family deductible is satisfied.

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After you meet the deductible, the plan pays 80% for covered services from in-network participating providers.

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The Out-of-Pocket Maximums are $3,000 for Individual and $6,000 for Family.

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The Out-of-Pocket Maximum does include the Annual Deductible.

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The plan pays 100% of the cost for covered drugs from network providers once the deductible is met.

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You have the option to open a Health Savings Account (HSA) to which the City will deposit a lump sum amount.

City Contribution To assist you with your deductible, the City will contribute a lump sum amount to your HSA account based on your enrollment election. The City contribution will be pro-rated for all employees enrolling after January 2017.

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HSA City Contribution Employee Only

$500

Employee + 1

$750

Employee + 2 or more

$1,000

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Medical Monthly Premium Employee Only

City Contribution ($)

Employee Contribution ($)

$555.56

$500.00

$55.56

Employee + 1

$1,111.12

$877.78

$233.34

Employee + 2 or more

$1,666.68

$1,316.68

$350.00

What’s covered at

Deductibles Employee Only

$2,000

Family

$4,000

  

100%:

Annual routine physical Routine mammography Routine lab & x-ray

Out of Pocket Maximums Employee Only

$3,000

Family

$6,000

What’s covered at 80% after deductible is met and until out of pocket maximum is met: Preventive Care

Hospital Services

Other Medical Services

    

   



Office visits Specialist office visits Prenatal care Allergy injections Inpatient/Outpatient services

No Lifetime Maximum

Inpatient care Outpatient surgery Outpatient non-surgical care Emergency Room

No referrals needed for specialist

 

Physical, speech, and hearing therapy Urgent Care Pharmacy/Drug Plan

No out of network benefits

Once enrolled in United Healthcare, you will have access to a unique website, www.myuhc.com. Once you register and create an account, you can view your benefits,

24-Hour Nurse Support A nurse is just a phone call away! Plus, you have other health resources available 24/7 to provide you with information that can help you make informed decisions. Just call the number on the back of your ID card.

Please refer to the United Healthcare Summary Plan Document for specific coverage details located on Branch Connection under Benefits. www.benselect.com

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Medical Health Savings Account (HsA) A Health Savings Account (HSA) is an account, funded by you and/or the City, and can be used to pay for qualified health expenses for you and your dependent(s) while covered by the City’s high deductible health plan. The money that is contributed to an HSA is pre-tax and can be taken with you when you leave employment or retire. HSA balances are carried over to the next calendar year and are interest bearing with a required minimum account balance of $2,000. Contributions to the HSA are limited by the amount established by IRS guidelines. Your HSA max contribution levels for 2017 are $3,400 for Employee Only and $6,750 for Employee + Family. For individuals who are 55 years of age or older and not on Medicare, a catch-up contribution of $1,000 is allowed. Your contributions are pre-tax and can be funded: 

Electronically through payroll deduction (this is required to receive any City contribution and pre-tax benefit).  Directly to the account by you: - At the end of the year - As claims are incurred - On a one time, monthly or quarterly basis HSA distributions are tax-free for qualified expenses if taken by you, your spouse or dependents. Your spouse or dependents do not need to be covered by a high deductible health plan (HSA Plans). If the HSA funds are not used for qualified medical expenses, then the amount is included as income and a 10% penalty is applied by the IRS. HSA funds can be withdrawn by using a debit card or a check. 

Funds deposited are exempt from Income Tax

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Money withdrawn to pay medical expenses is also tax free

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HSA money is portable if you change jobs

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Money not used is allowed to stay in your account

Please Note the Following: You will need to report and claim direct deposits by you on your IRS tax form the following year and be careful not to exceed the non-taxable IRS contribution level. www.benselect.com

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Dental: Aetna Dental will be our provider once again in 2017. The three plan options to choose from are listed below.   

DMO (Managed Dental Care - in-network only) PPO Low (Indemnity Plan) PPO High (Indemnity Plan)

Dental Plan Cost (Per Month) Managed

PPO

PPO

Low

High

Indemnity

Indemnity

Dental Care

The DMO plan provides in-network benefits only. Enrolled members must pre-select a primary care dentist and use that dentist for all services. There are typically no calendar year maximums, deductibles, waiting periods, or claim forms. Patient co-payments may be required for certain procedures.

DMO

Employee Only

$12.43

$28.07

$38.85

Employee + 1

$23.62

$50.20

$82.29

Employee + Family

$35.44

$88.32

$140.24

If you choose the PPO High plan, in network reimbursements are based on usual, customary and reasonable (UCR) fees. Some dentists or specialists (those not in the PPO network) may charge more than the UCR rate and you will be responsible for those additional charges. Benefits are paid after a $50 per person (maximum $150 for families) per calendar year deductible has been met. While participants may choose any dentist or specialist under either PPO Plan, selection of a contract network dentist will provide the highest level benefits and save on out-ofpocket costs. The PPO Low Plan may have significant balance billing if you go out of network as the maximum reimbursement is at the In-Network contracted rate. Additional information is located on Branch Connection.

Plan Feature

Managed Dental Care

PPO Low

PPO High

*Please refer to AETNA Summary Plan Document for specific coverage details Deductibles

None.

Annual Maximum Benefits Diagnostic and Preventive Benefits: Oral examinations, x-rays, cleanings, fluoride treatment, specialist consultation

Basic Benefits: Oral surgery, fillings, gum Crowns, Jackets, Cast Restorations Prosthodontic Benefits: Bridges, partial Orthodontic Benefits:

None.

$50 per person, $150 per family per plan year. $1,000

$1,500

Plan pays 100% after a co-payment and you must use network providers.

100%, Deductible is waived

You pay a fixed

80%

copayment according

50%

to the plan’s schedule 50%

Adolescent & Adult Coverage

No Benefit.

50% of allowed amount—$1,500 lifetime maximum

Always verify provider network status and eligibility.

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Vision Plan: Davis Davis Vision offers a variety of routine vision care services and supplies. Benefits include:

Vision Plan Cost Coverage Level

EXAMINATION: One eye examination, including dilation, Employee Only when professionally indicated, every calendar year, is covEmployee + Spouse ered at 100%.

Cost Per Month $7.48 $14.51

FRAMES AND SPECTACLE LENSES: One pair of spectacle Employee + Child(ren) $14.81 lenses and frame every calendar year, from the Davis ViEmployee + Family $22.05 sion “Fashion Collection” covered at 100% after a $10 copayment. A $130 allowance toward any network provider’s frame. A 20% discount will be extended on any balance over the $130 allowance. Plus, many lens types from all ranges of prescriptions and sizes, glass or plastic, are included, while others are offered at significantly discounted rates. CONTACT LENSES (in lieu of eyeglasses): Covered in full each calendar year, from the Davis Vision Contact Lens Formulary or a $130 allowance towards the cost of any contacts from the provider’s own supply. A 15% discount will be extended on any balance over the $130 allowance. Members selecting standard soft contact lenses are entitled to an evaluation/fitting. For specialty contact lenses, a $60 allowance plus an additional 15% discount off any overage will be applied to the evaluation/fitting after a $10 copayment. OUT-OF-NETWORK COVERAGE: Reimbursement up to the plan maximums for an eye examination & eyewear. CONVENIENT ACCESS TO PROVIDERS: Visit www.davisvision.com and use the “Find a Doctor” feature, or call 1.877.923.2847, using Client Control Code 7280 to access the Interactive Voice Response Unit, which will supply you with the names and addresses of the network providers nearest you. OUT-OF-NETWORK BENEFITS: You may receive services from an out-of-network provider, although you will receive the greatest value and maximize your benefit dollars if you select an in-network provider. If you choose an out-of-network provider, you must pay the provider directly for all charges and then submit a claim for reimbursement. TO USE THE BENEFIT 

Call the network provider of your choice and schedule an appointment.



Identify yourself as a Davis Vision plan participant.



Provide the office with the member’s ID number and the name and date of birth of any covered child needing services. Please refer to the Davis Vision Summary Plan Document for specific coverage details.

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Life Insurance Basic Life Insurance for You The City provides you with Basic Life Insurance coverage at one times your annual salary, not less than $30,000 up to $200,000, at no cost to you.

Additional Life Insurance for You You may add to the life insurance provided by the City by electing coverage in $10,000 increments (minimum $20,000) up to six times your annual base pay, but not more than $500,000. You’ll pay premiums on an after-tax basis, so any insurance benefits paid are non-taxable when your beneficiary receives them.

Dependent Life Insurance This coverage will pay benefits to you in the event your covered spouse or child(ren) die. You may elect coverage for your spouse with a minimum coverage amount of $10,000, up to 50% of your Employee Supplemental coverage, but not more than $100,000. You may also elect coverage up to $10,000 for each child. If you elect coverage for your children, all of your eligible children are covered from the age of 15 days to age 24. You’ll pay the same premium amount regardless of the number of children.

Please Note: You must elect additional employee coverage to have Dependent Life Insurance. Increases in your voluntary life insurance policy or first time coverage after 30 days of employment will require a health questionnaire or underwriting approval during Annual Enrollment. New employees enrolling in voluntary life are guaranteed voluntary coverage up to $200,000 without a health questionnaire. If you

This policy

Pays benefits to

Die / not in an accident

Life Insurance

Beneficiaries

Die / in an accident

Life Insurance

Beneficiaries

Accidental Death & Dismemberment (AD&D) Insurance Suffer a covered dismemberment

Accidental Death & Dismemberment (AD&D) Insurance

You

Become disabled

City covered Long-term Disability and possibly AD&D (If disability is because of dismemberment)

You

Become disabled due to cancer, sickness, or a short-term disability

Supplemental Insurance

You

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Life Insurance Basic Group Term Life CIGNA Insurance Group is your carrier for your Basic Group Term Life and Accidental Death & Dismemberment (AD&D).

Employee Supplemental Group Term Life All full-time, active employees are eligible to enroll for Supplemental Group Term Life. You pay the cost of this optional benefit. Amounts available: $10,000 increments, minimum $20,000; maximum $500,000*. The maximum amount applied for cannot exceed 6 times your base annual salary (or $500,000 whichever is less). Initial monthly premium is based on your age at time of enrollment and selected amount of coverage. AGE

RATE/ $1000

Under age 30

.069

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75+

.079

.119

.188

.315

.464

.680

1.125

2.040

2.89

2.89

Your Supplemental Term Life coverage automatically includes: 

Extended Insurance Benefit: Your term life coverage may continue up to age 65 at no cost to you if you become totally disabled prior to age 60, subject to the requirements of this benefit.



Accelerated Death Benefit: If you are diagnosed with a Terminal Condition which with reasonable medical certainty will result in your death within 12 months, you may choose to accelerate up to 50% of your term life death benefit, up to $150,000. The amount of the accelerated payment will reduce the death benefit payable under the term life coverage by the amount of the requested payment.



Conversion Privilege: Should you leave your employment with the City of Farmers Branch, you may convert your term life coverage to an individual whole life policy. Election of conversion must be made within 31 days of termination and subject to individual conversion rates.



Portability Privilege: Should you leave employment with the City of Farmers Branch, you and your spouse may continue your supplemental life insurance without evidence of insurability at group agerated rates. Election of portability must be made within 31 days of termination and subject to individual portability rates.

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Life Insurance Spouse Supplemental Life All full-time, active employees are enrolled for Supplemental Group Term Life are eligible to enroll for Spouse Supplemental Group Term Life in increments of $5,000. Amounts available: $5,000 increments, minimum $10,000; maximum $100,000. The amount of spouse coverage cannot exceed 50% of the employee supplemental amount. Coverage will round to nearest $10,000 amount.

The initial monthly rate for your spouse is based on the spouse’s age at the time of enrollment and the amount of coverage you select. Under age 30

AGE

RATE/ $1000

.069

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

.079

.119

.188

.315

.464

.680

1.125

2.040

Child(ren) Supplemental Life: All full-time, active employees enrolled in Supplemental Group Term Life are eligible to enroll dependent child(ren) for Supplemental Life. Maximum Coverage Ages 15 days to 30 days:

$1,000

Ages 31 days to 6 months:

$2,000

Ages 6 months to age 25:

$2,000 increments/units up to $10,000 Rate: $0.16/$1,000

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Long Term Disability Disability coverage helps you and your family meet financial obligations if injury or illness prevents you from working. This coverage can help in providing a continuing source of income if you are unable to work because of a disability. Disability means you are under the care of a physician and: 



For the first 24 months, you must be unable to perform the essential duties of your own occupation After 24 months, you must be unable to perform the essential duties of any occupation for which you are reasonably qualified by education, training, or experience

Long-term Disability benefits are reduced by other sources of income during disability, such as Workers’ Compensation, Social Security, and/or retirement systems. The City provides Long-term Disability insurance coverage through CIGNA at 60% of your annual base pay up to age 65. The max monthly benefit is $8,000 per month. The plan begins to pay benefits after a 180-calendar day waiting period (approximately 6 months). You can choose to shorten the waiting period to 90 calendar days by purchasing the “Buy-Up” Option.

Your monthly cost to reduce the waiting period to 90 days:

Accidental Death & Dismemberment If you are injured or die as a result of an accident, you or your beneficiary will receive a benefit based on the extent of the injury. AD&D pays benefits if death or dismemberment occurs as a result of and within 365 days following the covered accident. AD&D insurance pays benefits in addition to any other benefits you received under your life insurance coverage if you die as a result of an accident. The City of Farmers Branch provides basic AD&D Insurance coverage through CIGNA at one times your annual salary (minimum coverage $30,000), up to $200,000, at no cost to you. You can add to this coverage by electing Voluntary AD&D Insurance coverage. You may choose additional coverage for yourself, in $10,000 increments, not to exceed $500,000. Premiums are paid on an after-tax basis, so any insurance benefits paid are not taxable when your beneficiary receives them.

Cost for Voluntary AD&D per month per $1,000 coverage: Option A (EE Only 100%) - .0249 Option B (EE 100% + SP 50%) - .029 Option C (EE 100% + SP 100%) - .038

.11 per $100 of base pay

Option D (EE 100% + CH 10%) - .028 Option E (EE 100% + SP 50% + CH 10%) - .034 Option F (EE 100% + SP 100% + CH 10%) - .039

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Flexible Spending Accounts (FSA) Medical FSA: TASC Eligible Expenses The following are a few examples of expenses eligible for reimbursement when they are not covered by a medical, dental or vision care plan.  Amount applied to any medical, dental, or vision plan deductible, or copayment, or fees in excess of plan limits  Vision expenses not covered by a plan, including exams, eye glasses, contact lenses and solutions, optometrist and ophthalmologist fees and laser eye surgery  Dental expenses not covered by a plan such as cleanings, fillings and orthodontia

For a full listing visit www.irs.gov or tasconline.com How it works 1. Estimate your annual health care expenditures on items not reimbursed by Insurance. 2. Decide how much money you want to contribute to the account from $1 to $208.33 per month. The money is deducted before taxes, so taxes are withheld on a lower amount of your earnings. 3. The City offers a debit card that allows eligible expenses to be deducted directly from your account. 4. You may also file a paper or online claim when you have eligible health care expenses.

Medical FSA limit: $2,550 (subject to change)

Dependent Care FSA: TASC Eligible Expenses You may claim dependent care expenses for a dependent(s) who lives with you and relies on you for more than half of their support as claimed on your taxes. Dependents include children under the age of 13, adult daycare, persons of any age, if physically or mentally disabled and claimed on your federal tax return.

How it works 1. Estimate your dependent care expenses for the coming year. 2. Decide how much money you want to contribute to the account up to $416.66 per month. The money is deducted before taxes, so taxes are withheld on a lower amount of your earnings. 3. File a claim when you have eligible dependent care expenses. 4. You will be reimbursed for eligible claims up to the current contributed amount available in your account. Note:You may be reimbursed for day care expenses only if this enables you to work. If married, your spouse must also work or be looking for work, be a full-time student, or be disabled.

Dependent Care FSA limit: $5,000 www.benselect.com

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Flexible Spending Accounts (FSA) You can pay for eligible health care and dependent care expenses with pre-tax income through a Flexible Spending Account (FSA) offered through TASC. You do not pay federal income tax on your deposit. The Medical FSA reimburses you for eligible health care expenses that are not covered by insurance. Expenses may be incurred by you, your spouse, and your dependent children, regardless of whether they are covered by the City’s medical, dental or vision plans. Dependent Care FSA allows you to reimburse childcare or eldercare at pre-tax dollars.

How the Spending Accounts Work You choose to contribute part of your earnings into the Medical Flexible Spending Account and/or the Dependent Care Flexible Spending Account. The accounts are maintained separately and you cannot make transfers between them. These accounts will reimburse you for eligible expenses that you submit throughout the year.

FSA Grace Period and Claim Submission Deadline FSA’s contain a grace period for the prior plan year. This grace period allows plan participants to continue to utilize any balance remaining from the prior plan year toward eligible expenses incurred through March 15, 2018. This will apply to the FSA health reimbursement plans. While this does not eliminate the use-it-or-lose-it rule completely, you now have additional time to avoid forfeiting unused funds left in your account from the prior plan year. You have until April 30, 2018, to file for reimbursement of claims as part of this grace period extension.

IMPORTANT NOTES 

Health care tax deduction is available on your federal income tax return for amounts exceeding 7.5% of your adjusted gross income. If you think your expenses will be more than 7.5%, you should consult your tax advisor. You may not use the same expenses for your Medical Care Flexible Spending Account and a tax deduction.



Under healthcare reform, over-the-counter medications are no longer eligible for Reimbursement under your healthcare FSA without a prescription. Insulin is still eligible for reimbursement.



You cannot claim an expense as a federal income tax deduction if it is reimbursed through your FSA - Flexible Spending Account.



For those enrolling in an HSA Health Plan, the Health Care Flexible Spending Account will be “limited” and may only be used for dental and vision expenses until you meet your medical plan deductible. Once you meet your deductible, please inform Human Resources. Termination of employment: If you terminate employment or experience a change in employment status from full-time to part-time, you are eligible to access FSA funds up to your termination or employment status change date. This means that any services after termination or cancellation of coverage are ineligible for reimbursement.



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Retirement Texas Municipal Retirement System (TMRS) TMRS provides affordable, sound benefits to meet your needs upon retirement. Here at the City, fulltime employees, and those part-time employees who work in positions requiring 1,000 or more hours per calendar year, are required to participate in TMRS in lieu of Social Security. In general, you earn a month of service credit toward retirement for each month you are employed in an eligible position. Each Spring, you’ll receive an annual statement from TMRS listing your total service credit and your account balance. You may also view your account information on TMRS’s secure website, www.TMRS.com or call 800.924.8677. The City of Farmers Branch has also chosen to provide a Supplemental Death Benefit through TMRS. Survivors of active employees receive an additional benefit of approximately equal to the employee’s annual salary.

Voluntary Deferred Compensation Plan (Mass Mutual) A Deferred Compensation Plan permits you, on a voluntary basis, to authorize a portion of your salary to be withheld and invested for payment to you at a later date. These salary deferrals, or “contributions”, are allocated to the Plan’s investment choices at your instruction. Neither your contributions nor any investment earnings are subject to current federal taxes. Taxes become payable when the deferred income plus earnings are distributed to you - generally at retirement, or separation from employment.

Plan 457-Roth IRA In addition to the traditional deferred compensation plan, employees now have the opportunity to invest in a Plan 457-Roth IRA. To learn more about contribution limits, tax implications, and types of distributions of a Roth, please contact the City’s deferred compensation representative.

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Employee Assistance Program Alliance Work Partners The Employee Assistance Program is a confidential source for information, referrals and counseling for employees and eligible dependents. Through Alliance Work Partners (AWP), you have access to counselors and information that can help with several interpersonal issues. The program provides, at no cost to you, up to six face-to-face counseling sessions for each issue. Call 1.800.343.3822 for access to information on:       

Family and relationships – parenting, communication, domestic violence, marriage, divorce Dependent care – child care, elder care, prenatal education, adoption, special needs children Personal issues — stress, anxiety, grief, anger, depression Well-being – drug and alcohol dependency, physical illness, eating disorders, self-esteem Job concerns – interpersonal conflicts, career crisis Financial difficulties – overextended credit, budget worries (first 30 minutes free) Legal issues (excluding employment related issues - first 30 minutes free).

If counseling after six sessions is recommended, the EAP counselor can help you find extended counseling resources in conjunction with your medical coverage. If a counselor refers you to another qualified professional, your cost for additional treatment will depend on coverage by your medical plan.

Simple, Confidential & Free Just call toll free 1.800.343.3822 or visit their website, https://www.awpnow.com . Access your benefits by using registration code AWP-COFB-1441.

Compass Compass Professional Health Services is your personal healthcare advisor. Their mission is to help you understand and reap the full benefits from your medical insurance. Plus, the service is extremely simple to use!

Sample of services:       

Unlimited access to healthcare experts Unbiased doctor recommendations Hospital cost and quality information Straight answers about your benefits Bill reconciliation Insider information on saving money Complete advisor for your healthcare

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Contact Information [email protected] 1.800.513.1667 Monday—Friday 8:00 am—6:00 pm CST 20

Frequently Asked Questions If I move, how do I change my address? Simply send an email with your new address and any other related information to: [email protected] Your request will be sent to Benefits/Human Resources and Payroll/Finance. Your New address will be updated with United Healthcare, Aetna Dental and Davis Vision. Since you may also participate in the below benefits, you will be required to update them with your new address. TMRS – www.tmrs.org 1.800.924.8677 HSA Bank – www.myhsabankaccount.com 1.855.731.5213

ICMA-RC - www.icmarc.org 1.800.669.7400 If during the year, I forget which benefits I elected during Open Enrollment, how can I get this information? You can access your personal benefits any time during the year, 24/7, from any computer. Follow the same procedures as provided for Open Enrollment/New Hire: go to www.benselect.com and enter your Social Security Number and Pin Number. Your Pin Number will be the last four digits of your Social Security Number plus the last two digits of your birth year (see page 2). This will allow you to see your choices, covered dependents, and levels of coverage for each plan option (i.e., medical, dental, vision, voluntary life insurance, etc.)

If I change banks, how do I change my direct deposit? A Direct Deposit Authorization form is available through Human Resources or “Forms” on Branch Connection. You will need to attach either a voided check or a statement from your banking institution that includes your current bank account number and routing number. Please note that it takes two payroll cycles for the new change to be fully implemented. So, your first check after changing might be in paper format. How do I change the amount of money being deposited to the Credit Union? You will need to contact the Credit Union to change or stop any money being deposited to the Credit Union. The Credit Union will submit the necessary paperwork to payroll for processing.

How do I enroll/change/stop my contribution, change my beneficiary or request a hardship withdrawal from my voluntary deferred compensation account? Feel free to stop by Human Resources, or contact the City’s deferred compensation representative directly, or go to Branch Connection for the necessary form. How do I check the balance in my Health Savings Account (HSA)? Go to www.myhsabankaccount.com, vendor is HSABANK or call 1.855.731.5213. How do I change my Health Savings Account (HSA) contribution amounts? Please send an email stating your contribution change along with the effective date to Human Resources. www.benselect.com

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Vendor Listing Group Number

Member Service Phone Number

Hours of Operation

Aetna DMO/PPO Low/PPO High

847772

1.877.238.6200

M-F, 8 a.m. - 6 p.m. (Central)

www.aetna.com

AFLAC Mickey Shuler/Acct. Rep. (Supplemental Insurances) Billing questions

BY755

972.247.3009 (cell) 972.852.3009 (fax) 1.800.992.3522 Option #4

M-F, 8 a.m. - 5 p.m. (CST)

www.aflac.com

Alliance Work Partners (Employee Assistance Program)

1.800.343.3822

24 hrs., 365 days

www.alliancewp.com

CIGNA—How to report family medical leave Refer to page 16 &17 of this guide

English 1.888.842.4462 Spanish 1.866.562.8421

Vendor/Plan

CIGNA Life AD&D Long-term Disability

Davis Vision

7280

www.myCigna.com

1.800.362.4462

M-F, 7 a.m. - 7 p.m. (CST)

www.CIGNA.com

800.513.1667

M-F, 8 a.m. - 6 p.m. (CST)

Answers @compassphs.com

1.877.923.2847 1.800.999.5431

M-F, 7 a.m. - 10 p.m. Sat., 8 a.m. - 3:00

www.davisvision.com

FLX962454 OK964082 FLK960339

Compass Professional Health Services

Farmers Branch City Employee FCUKimberly King

972-241-5365

HSA BANK (Health Savings Account)

1.855.731.5213

M-F, 7 a.m. - 9 p.m. (central)

1.800.669.7400

M-F, 8:30 a.m. - 9 p.m. (Eastern)

ICMA-RC (Retirement Health Savings Accounts)

800794

[email protected]

1.800.421.9924 1.800.860.7596

LegalShield Steve Sobkowiak 107746 (F/T) MassMutual 150248 (P/T) (Voluntary Deferred Compensation) Jay Teblum, Account rep

Website

www.

myhsabankaccount.com

www.icmarc.org

www.legalshield.com

972.231.7627

M-F, 8 a.m. - 5 p.m. (CST)

www.hartfordlife.com

TASC (Flexible Spending Account )

4208-87677958

800-422-4661

M-F, 8 a.m. - 5 p.m. (CST)

www.tasconline.com

Texas Municipal Retirement System (TMRS)

00448

1.800.924.8677

M-F, 8 a.m. - 5 p.m.

www.tmrs.org

United HealthCare

742997

1.866.734.7670

M-F, 8 a.m. - 8 p.m.

www.uhc.com www.myuhc.com

www.benselect.com

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