Human Resources [email protected] HR Hotline ...thedispatch.us/wp-content/uploads/2018/10/2018...Employees who work an average of 30+ hours per week Initial Enrollment:

Human Resources

[email protected]

HR Hotline: 850-914-8456 1

Welcome to the Company’s Benefit Enrollment

The Company strives to provide meaningful benefits to eligible employees

Detailed Benefits info is located on The Dispatch, Employee Benefits pagehttp://thedispatch.us/employee-benefits/• Located on the Dispatch Quick Links section under Employee Benefits

Employees enroll and make changes via the Sage Employee Self-Service (ESS) Website (https://www.royal-benefits.com/awc/)

• Located on the Dispatch Quick Links section under Employee Self Service Sage

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Eligibility Employees who work an average of 30+ hours per week

Initial Enrollment: First of the month following 60 days of hire except the

following:• TGI Friday Hourly Employees: First of the month following 1 year of hire

During Initial Enrollment, employees are signing up for theremaining months of the year Employees will sign up at the end of each year during AnnualOpen Enrollment for the following year

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Rehires

If rehired within 30 days, all benefits should be reinstated

If rehired with 90 days, employee may sign up for medical and HSA to be effective on the first of the month following rehire date

If rehired after 90 days, normal eligibility time window applies.

Past time counts toward 401k eligibility

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Changes to your benefit elections can only be made: During Annual Open Enrollment, OR Due to a qualifying Life Event such as:• Marriage, Divorce, Death of a spouse/domestic partner

• Birth, Death, or Adoption of a child

• Changes in the participant’s employment that affect insurance

• Changes in a spouse/domestic partner’s benefit package or cost

If employees have a qualifying Life Event…they get to do a Special Enrollment

Call the HR Hotline at 850-914-8456 Special Enrollments must be done within 30 days of the

qualifying Life Event

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Terms to Know……Annual Deductible – the amount you pay each calendar year for covered servicesbefore you begin receiving benefits

Co-pay – the flat dollar amount you pay each time you receive certain coveredhealth services

Co-insurance – the percentage of eligible expenses that you are responsible forpaying after you meet the annual deductible

Evidence of Insurability (EOI) – a questionnaire where you provide healthinformation on yourself or your dependents

High Deductible Health Plan – a medical plan with lower premiums and an annualdeductible higher than the deductible of more traditional health plans

In-Network – a physician or facility that is a preferred provider and IS a contractedFlorida Blue provider

Out-of-Network – a physician or facility that is NOT a preferred provider and IS NOTa contracted Florida Blue provider

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Effective April 1, 2015, health benefits are available to qualifying domestic partners and their dependent children

• Includes opposite and same sex domestic partners

• Must show proof of 12 months of residency and financial interdependence

• If residency and financial interdependency requirements are not met during Initial Enrollment but are met before the next Annual Enrollment, it is considered a Qualifying Life Event

• Eligibility affidavits for a Qualifying Life Event must be submitted within 30 days of eligibility

• Affidavit located on The Dispatch under Employee Benefits & Info: http://thedispatch.us/employee-benefits/

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Meets Health Care Law Standards

• The Company’s medical plan meets current health care law standards

Insurance Marketplace Coverage Options

• Information regarding the New Health Insurance Marketplace Coverage Options and Your Health Coverage is located on the Dispatch, Employee Benefits page: http://thedispatch.us/employee-benefits/

Discounted Monthly Premiums for Non-tobacco users

• If you certify that you and your covered family members have not used tobacco products during the 12 months immediately preceding the date you acknowledge the Non-Tobacco User Declaration Affidavit, you will receive a discounted premium.

• You acknowledge the affidavit when you complete enrollment in ESS.

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Insurance Company: Blue Cross Blue Shield Called “Florida Blue” in Florida Plan name: “Blue Options”

Cost: monthly fee (premium), plus an annual deductible Premium: half the premium amount is deducted from first two

paychecks each month

Deductible: office/hospital visits, labs, and prescription costs go towardyour annual deductible

After you meet your annual deductible, you pay a 10% coinsurance

Monthly premium and annual deductible amounts are on the next 2slides

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The Company pays a portion of the cost for medical benefits.

Monthly rate based on:-- annual wage-- coverage category type-- tobacco or non-tobacco user

***If waiving medical coverage:--Complete Medical Waiver form--Submit to Human Resources at [email protected]

***Tobacco user costs may NOT calculate correctly in ESS***

Annual Wage <= $60,000.00Non-Tobacco Users

Monthly Premium Cost

Total Company Employee

Employee Only (Single) $567.00 $492.00 $75.00

Employee + Spouse/Domestic Partner $836.56 $492.00 $344.56

Employee + Children $726.76 $492.00 $234.76

Family $882.00 $492.00 $390.00

Tobacco User

Employee Only (Single) $667.00 $492.00 $175.00

Employee + Spouse/Domestic Partner $971.56 $492.00 $479.56

Employee + Children $861.76 $492.00 $369.76

Family $1,017.00 $492.00 $525.00

Annual Wage > $60,000.00Non-Tobacco Users

Monthly Premium Cost

Total Company Employee

Employee Only (Single) $642.00 $492.00 $150.00

Employee + Spouse/Domestic Partner $906.56 $492.00 $414.56

Employee + Children $796.76 $492.00 $304.76

Family $952.00 $492.00 $460.00

Tobacco Users

Employee Only (Single) $742.00 $492.00 $250.00

Employee + Spouse/Domestic Partner $1,041.56 $492.00 $549.56

Employee + Children $931.76 $492.00 $439.76

Family $1,087.00 $492.00 $595.00

Coverage Category Type Employee Only Employee + Types

Annual Deductible

In-Network Providers

Out-of-Network Providers

$1,350

$3,000

$2,700

$6,000

Out of Pocket Maximum

In-Network Providers

Out-of-Network Providers

$5,000

$10,000

$6850/person or $10,000/family

$15,000

Physician Office Visit

In-Network Providers

Out-of-Network Providers

CYD + 10% coinsurance

CYD + 40% coinsurance

CYD + 10% coinsurance

CYD + 40% coinsurance

**Wellness Visit

In-Network Providers

Out-of-Network Providers

$0

40% coinsurance

$0

40% coinsurance

Emergency Room

In-Network Providers

Out-of-Network Providers

CYD + 10% coinsurance

CYD + 10% coinsurance

CYD +10% coinsurance

CYD + 10% coinsurance

Inpatient Hospitalization

In-Network Providers

Out-of-Network Providers

Option 1 CYD + 10% coinsurance

Option 2 CYD + 25% coinsurance

$500 PAD + CYD + 40% Coinsurance

Option 1 CYD + 10% coinsurance

Option 2 CYD + 25% coinsurance

$500 PAD + CYD + 40% Coinsurance

**Employees are encouraged to take advantage of the FREE Wellness Visit benefit.11

• Prescription costs are applied to your annual deductible.

• After you meet your deductible, the following “co-payments” apply:

• $10 for generics

• $50 for Preferred brands

• $80 for Non-preferred brands

• MUST USE an In-Network Pharmacy

• Mail-order is a less expensive option for a 90-day supply

• Deductibles do not apply for certain maintenance medications.

• High Cholesterol, High Blood Pressure and Diabetes

• For more information, see the “Safe Harbor” medication list located on the Dispatch “Benefits, Forms & Info” page.

NOTE: Florida Blue refers to Safe Harbor as “Condition Care Rx”

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The Company encourages participation in a Health Savings Account (HSA)

◦ An HSA is a benefit available due to our high deductible health plan

Eligibility

◦ Employees are ineligible if using Tricare or Medicare

◦ Employees using VA Health Benefits may contribute to an HSA on their own, but not through payroll deduction because you must stop contributions for 90 days after using VA Health Benefits

HSA allows employees to deduct pre-tax money from their paycheck to pay for approved medical expenses (such as prescriptions, orthodontics, doctor office costs, certain vision, dental care, and medical equipment)

◦ Use funds for yourself, your spouse, and dependents you claim on taxes

◦ NOTE: They don’t have to be on your medical plan

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You can save an annual amount up to the limit set by the IRS

◦ Individuals $3450 and Family $6900

◦ Age 55 and older may contribute an additional $1000

Any unused money stays in your account and at retirement age transforms into an IRA account which can be used for ANY reason

You can invest your HSA funds

If you leave the company, you take your HSA funds with you

Upon death, your HSA funds will go to your named beneficiary(ies)

◦ If your spouse is named as a beneficiary, it will transfer as an HSA

◦ It transfers to other beneficiaries as income

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In addition to paying your medical deductible and other doctor’s visit costs, check out other eligible expenses

◦ HSA-eligible expenses website : https://hsastore.com/HSA-Eligibility-List.aspx

◦ Information posted to the Employee Benefits page under Health Savings Account: http://thedispatch.us/employee-benefits/

Note that expenses incurred prior to opening your HSA account are not eligible to be paid with HSA funds

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Your HSA is an HSA bank account with HSA Bank

◦ Be sure to respond to any correspondence from HSA Bank or they can close your account

◦ You will receive a bank card to pay for HSA-eligible items

◦ Use the bank card like a credit card, but the money comes out like a debit card

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Use your HSA card when you pay a medical visit bill or for an HSA-eligible expense

Pay from your HSA account using online banking with HSA Bank

Reimburse yourself from your HSA online account

You can make additional deposits into your HSA account throughout the year and claim on your tax return for a refund of taxes paid on that money

◦ Do not exceed the maximum yearly contribution

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HSA “Seed” Money is bonus/free money!

The Benefits Committee decides each year whether to offer this benefit

Participation in the Company’s wellness program qualifies you to receive “seed” funds from the Company into an HSA account

1. Complete a free wellness check with your physician

2. Complete your annual wellness lab work

3. Complete an online Physical Health Assessment (PHA)

You will need bloodwork results

You do NOT have to have an HSA account to qualify and receive the bonus

You DO have to be eligible for an HSA

Must be enrolled in Medical Benefit NLT 9/1/18 to receive 2018 bonus

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Why use the HSA? (See table below for scenario...assumes 15% tax bracket)

• Without the HSA you will pay $202 in taxes on a $1350 deductible…$405 on $2700.

• If making $15/hr, that’s 14 hours or 27 hours of work just to earn the taxes you would have to pay.

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Monthly premium cost

Benefit Coverage Overview

***Maximum yearly coverage is $1,200***

Deductible $100.00 per individual w/ a maximum family deductible of $300.00

Cleanings 2 cleanings annually – no deductible or co-pay (no longer available after max yearly coverage has been met)

Basic Work Deductible + 20% co-insurance

Major Work Deductible + 50% co-insurance

Orthodontia $1,000 orthodontia coverage for children (12-month waiting period from date of enrollment. Not included in yearly maximum.)

Employee Only $10.00

Employee + Children (up to age 26) $44.00

Family $61.00

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Monthly premium cost:

Benefit Coverage Overview:

*Additional coverage at no extra cost for Diabetic Eye Care

Employee Only $8.60

Family $20.86

Eye Exam $10.00 co-pay 1 every 12 months

Lenses $10.00 co-pay 1 every 12 months

Frames $160 allowance, plus 20%discount on balance

1 every 12 months

Contact Lenses $160 allowance, plus 15% discount on balance

1 every 12 months (in lieu of glasses)

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The vision plan offers discounts focusing on overall wellness:

Log on to www.Humana.com/LifestyleDiscounts for details

Or call 800-4HUMANA (800-448-6262)

◦ Acupuncture & Massage Therapy

Use website / phone number above

◦ Weight Loss

Use website above, or call Nutrisystem, 888-870-2356

◦ LASIK

http://www.lifestylelasik.com/#/home, or call 855-645-2020

◦ Teeth Whitening

http://www.prosmileusa.com/, or call ProSmileUSA, 866-944-8330

◦ Identity Monitoring & Protection Services

Use website / phone number above

◦ Hair Restoration

Contact ACSN 855-291-3077

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• Company provides at no cost to you!• Life Insurance and AD&D coverage in an amount

equal to your annual base wage up to $200,000

This is called “Group Life”

in Employee Self Service (ESS)

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Additional life insurance coverage is availablefor the employee, spouse/domestic partner, and dependent children

• Must purchase this optional Supplemental Life insurance for yourself in order to have spouse/domestic partner and/or child coverage

This is called “Supplemental Life”

in Employee Self Service (ESS) and is NOT free

• Employee Coverage Option:

• Optional Supplemental Life insurance available for employee up to five times your base annual wage

• Combined Basic Life amount and Optional Supplemental Life amount of coverage cannot exceed $500,000

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• Dependent Coverage Options

• Spouse/domestic partner coverage in increments of $5,000 with a maximum of $100,000 or 50% of the employee’s combined Basic Life and Optional Supplemental coverage amount

• Dependent child coverage available at $10,000 or $20,000 per child• Applies to all eligible dependent children in the household, 6 months to

19 years old (up to 25 years if full- time student)• $1,000 coverage available for infants 14 days to under 6 months

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Evidence of Insurability (EOI) Requirements(medical questionnaire)

• Initial Enrollments only require an EOI if:• Employee selects 5x annual base wage• Employee selects more than $20,000 coverage on spouse/domestic

partner

• Open Enrollment requires an Evidence of Insurability (EOI) form (a medicalquestionnaire), if adding the benefit for the first time, increasing coverageamount, or adding a new child dependent

• Completed EOI forms must be sent to Human Resources & must be approvedby Sun Life before receiving the benefit

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• Company provides at no cost to you! • Begins when eligibility requirements are met• Replaces 60% of pre-disability income for non-work

related accidents or illnesses• Begins after absent from work for 13 weeks/90 days due

to non-work related accident or illness

**This benefit is reduced by any other disability income including social security and is subject to income tax.

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Benefit & Cost Calculations:

• Annual Income/52 = weekly income

• Weekly Income X 0.60 = weekly benefit

• Weekly Benefit X .0425 = monthly cost

Income Weekly Benefit Monthly Cost

$15,000.00 $173.08 $7.36

$20,000.00 $230.77 $9.81

$25,000.00 $288.46 $12.26

$30,000.00 $346.15 $14.71

$35,000.00 $403.85 $17.16

$40,000.00 $461.54 $19.62

• You may purchase Short Term Disability coverage.

• Pays 60% of your base income if you are eligible for this benefit.

• The disability period is 13 weeks. There is a 14 day waiting period before benefits are payable and there is a maximum reimbursement period of 11 weeks.

• Has a maternity clause, meaning you can file a claim if you go on maternity leave

Example:

Special Enrollments require0 an

Evidence of Insurability (EOI) if

adding benefit for the first time

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• Additional Sun Life policies available for employees to purchase:

• Accident Insurance – For injuries (off the job), medical care, loss of life or dismemberment

Critical Illness & Cancer - $5,000 to $25,000 ($5,000 increments) coverage for personal use if diagnosed with covered illness / condition

• Spouse/Domestic Partner: $5,000 to $12,500 coverage ($2,500 increments)

• Child: $5,000 coverage

• Employee and Spouse/Domestic Partner can get a $50 reimbursement by completingand turning in a wellness screening form

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For all full-time employees

• Free Emergency Travel Assistance

• Free Identity Theft Protection

See brochure on the Dispatch, EmployeeBenefits, Forms and Info page

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More information on these benefits is located on The Dispatch, Employee Benefits page:

Employee Assistance Program (effective upon hire)

Educational Assistance & Tuition Reimbursement (90 days)

401(k) with Company Match (6 months)

Annual Scholarship program (1 year)

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• Free Counseling Services include:

• counseling

• legal information

• will preparation

• Eligibility: All current employees (effective upon hire)

• Call Human Resources (850) 914-8456 or Guidance Resources Program

877-595-5284 for information about the Employee Assistance Program .

• Employee Assistance Program brochure on the Dispatch Employee

Benefits page

• http://thedispatch.us/employee-benefits/

• Online: guidanceresources.com

• Company code: EAPComplete

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Detailed information on The Dispatch:

• Under Quick Links: Employee Benefits

• http://thedispatch.us/employee-benefits/

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Benefits Information

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Initial Enrollments - Enroll on the Employee Self Service (ESS) website under Life Events

• New Hire eligible employees at all companies (except hourly eligible TGI Fridayemployees) choose New Hire Initial Benefit Enrollment

• TGI Friday hourly eligible employees choose TGI Fridays Initial Full Time Benefit Enrollment

• Employees with a status change from part time to full time choose Initial Full Time Status Change Benefit Enrollment

• HR will inform your property/site of eligible employees

Special Enrollments – Contact HR & provide proof of the qualified event

• Make qualified changes to current benefits under Life Events on ESS website

• Choose either Child Benefit Status Change or Spouse/Domestic Partner Benefit Status Change, whichever applies to qualified event

Human Resources (850) 914-8456

Email: [email protected]

How to Enroll

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Enroll on the Employee Self Service (ESS) website

- Under Benefits, choose Life Events

- Then choose the Event that fits your status

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Employee Costs that WILL NOT calculate correctly:

--Medical for Tobacco Users

--HSA monthly amount

Use the Benefit Rate sheet to determine your actualcost if you or your dependents are a tobacco user.

The actual Employee Cost will be deducted from your first 2 monthly paychecks (half the amount from each check).

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Employee Costs that WILL NOT calculate correctly:

--Medical for Tobacco Users

--HSA monthly amount

Use the Benefit Rate sheet to determine your actualcost if you or your dependents are a tobacco user.

The actual Employee Cost will be deducted from your first 2 monthly paychecks (half the amount from each check).

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Select: I’m finished.

Enter: Username

Password

SSN (with dashes!!!)

Select: Done

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Contact HR Benefits on the HR Hotline

850-914-8456

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