Employee Benefit Summary
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Effective July 1 , 2015
Contact Information / Table of Contents Refer to this list when you need to contact one of your benefit providers for detailed or private questions. For general information regarding personnel policy, contact: Nancy Riegel – Human Resource Officer (910) 457‐9700
BENEFIT SERVICE TEAM – EBENCONCEPTS, INC. Contact for all general benefit questions or claim issues
(910) 763‐8050
Carrie Lacayo, Account Manager
[email protected] Hughes Waren, Broker/Consultant
[email protected]
HEALTH INSURANCE & BASE LIFE INSURANCE: pages 5‐8 Blue Cross Blue Shield of NC – Policy#056248 (877) 258‐3334 Customer Service – medical claims, benefit questions Prescription Drug Card Questions/Claims Physician /Hospital Network Search: www.bcbsnc.com Health Savings Account – HealthEquity www.healthequity.com (866) 382‐3510 Base Life Insurance: USAble Life/Mosaic (888) 723‐4476 Customer Service – Death claims, benefit questions
DENTAL/VISION/CRITICAL ILLNESS INSURANCE/EAP PROGRAM: page 9‐12 Guardian Life Insurance Company – Group#438451 (800) 459‐9401 Customer Service – dental claims, vision claims, critical illness claims, benefit questions www.guardiananytime.com Employee Assistance Program (EAP) (800)386‐7055 Unlimited Telephonic Counseling www.ibhworklife.com Username: Matters Password: wlm70101
SHORT‐TERM DISABILITY:
page 13
League of Municipalities Contact Village Human Resources Department for a Disability claim
ACCIDENT INSURANCE: page 13 AllState (800) 521‐3535
Customer Service – accident claims, benefit questions
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How to Enroll Our Cafeteria/125 Plan allows employees to have certain insurance premiums payroll deducted on a Pre‐Tax basis. Your eligible premiums will be automatically pre‐taxed unless you Opt‐out. Annual benefit elections must be made within 30 days of your new hire eligibility date or during the Open Enrollment period in May/June.
Make your benefit elections in the Blue Ocean benefit portal. Blue Ocean Portal: https://blueocean.orchr.com Click on the Benefits Tab then “My Renewal Enrollment” (new hires click “Benefit Enrollment”) Click “Add Dependents” if you are enrolling new dependents in a plan Choose the benefit tier for each coverage (EE=Employee; EC= Employee+Child(ren); ES = Employee +Spouse; EF= Employee +Family) You must either Enroll or Waive each coverage Adding annual H.S.A contributions, Critical Illness, or Accident coverage will require a paper enrollment form located at the bottom of the enrollment screen. Print completed H.S.A / voluntary forms & return to Nancy Riegel Finish on‐screen enrollment and Print enrollment receipt for your files Review your Federal Annual Notices located in Forms & Documents ***If you need your Blue Ocean Login and Password please see Nancy Riegel. You can also find a more detailed version of how to complete the online Renewal Enrollment under Forms & Documents in Blue Ocean.
When to Enroll
New employees are eligible to enroll in the benefits the 1st of the month following their date of hire. Once you have made your elections, you will not be able to change pre‐tax benefits until the next open enrollment period unless you have a qualified change in status. Open Enrollment occurs in May/June of each year and plan changes are effective July 1st. Open Enrollment Deadline: June 15th :
How to Make Changes You cannot make changes to pre‐tax benefit elections until the next open enrollment unless you have a qualified change in status. Qualified changes in status include: marriage; divorce; legal separation; birth or adoption; change in child’s dependent status; change in residence due to employment transfer for you or your spouse; change in spouse’s benefits or employment status.
Note: You must notify HR within 30 days of the qualified change
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Your health and wellbeing is important to Village of Bald Head Island The employees of Village of Bald Head Island are the company’s greatest asset. We are committed to a comprehensive employee benefit program that helps you maintain health, wellbeing and financial security for you and your family.
Open Enrollment Our Cafeteria/125 Plan allows employees to have certain insurance premiums payroll deducted on a Pre‐Tax basis. Your eligible benefits will be automatically pre‐taxed unless you Opt‐out. Annual benefit elections must be made during the Open Enrollment period in May/June and coverage is effective July 1st. Changes to Pre‐Tax annual benefit elections can be made during Open Enrollment. Mid‐year changes are only allowed if completed within 30 days of a qualifying event.
Health and Wellbeing • Health Insurance (pre‐tax) • Dental Insurance (pre‐tax) • Vision Insurance (pre‐tax) • Employee Assistance Program
Financial Security
Short‐Term Disability Basic Life Insurance with Accidental Death & Dismemberment Health Savings Account (pre‐tax) Voluntary Critical Illness Voluntary Accident Insurance (pre‐tax) 4
Health Insurance – BlueCross BlueShield of NC
Who is Eligible and When:
Full‐time employees, spouse & children up to age 26 are eligible for the health benefits the 1st of the month following their date of hire. Employees can add or change coverage during open enrollment with coverage taking effect July 1st.
Employer Pays: Village of Bald Head Island contributes 90% of the employee premium and approximately 65% of the dependent premium.
Group #056248
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Blue Cross Blue Shield/HealthEquity – H.S.A. Health Savings Account
The Village will contribute $350 quarterly into each employees H.S.A. for the fiscal year 2015-2016. The Village will match your bi-weekly payroll deductions up to $10.00 (for employee only coverage) or up to $24.00 (for employee with dependent coverage)
H.S.A Maximum Funding By Employer Employee Only Employee + Dependents
$1,660 $2,024
2015 Internal Revenue Service H.S.A. Contribution Limits Single $3,350 Family $6,650 Individuals 55 years & older Catch Up Contribution $1,000 (additional)
Health Insurance Payroll Deductions: Your election is an annual election and can only be changed during open enrollment or mid‐year if you have a qualifying event. Employee Only Employee + Children Employee + Spouse* Employee + Family*
Gross Premium $445.91 $869.72 $1,001.59 $1,540.49
Village’s Cost $401.32 $705.78 $791.50 $1,141.78
Employee Monthly $44.59 $163.94 $210.09 $398.71
Payroll Deduction $20.58 $75.66 $96.97* $184.02*
*An additional Spouse Surcharge of $180.08 per payday will be applied to spouse or family coverage if the spouse has access to other group coverage
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Health Savings Account (H.S.A)
Effective 7/1/15 BCBSNC has changed H.S.A vendors and you will be charged a monthly fee from prior bank, BenefitWallet if your balance falls below $1,000. There are 3 options for handling your current H.S.A funds held by BenefitWallet. • Spend down the funds that you currently have in your BenefitWallet account and open the HealthEquity account • Transfer funds using a Trustee‐to‐Trustee form provided by BenefitWallet. BenefitWallet will charge a one‐time $25 check issuance request fee for the transfer. • Members with a BenefitWallet checkbook can write a check to HealthEquity to rollover the entire remaining balance and the member will avoid the check issuance fee but may be responsible for tax reporting (Form 8889). Incentives for members to move their current H.S.A accounts to HealthEquity: • H.S.A Balances >/= $500 ‐ Member will receive a $25 statement credit less any interest earned • H.S.A Balances $250‐$499 – Member will earn double interest up to $25 • H.S.A Balances
