Benefit Open Enrollment Memo - Saint Joseph's College of Maine

HUMAN RESOURCES OFFICE
MEMORANDUM
TO:
FROM:
Benefit Eligible Employees
Heidi Jacques, Assistant Director of Human Resources
DATE: November 12, 2012
RE: 2013 Benefit Open Enrollment
______________________________________________________________________________
As we finish the fall semester, it is time for us to make benefit elections for the upcoming benefit
plan year beginning January 1, 2013. Benefit guidelines are strict, allowing for benefit elections
during the open enrollment period, with only a very limited opportunity to make changes at other
times. This year the open enrollment period will run from November 12, 2012 through
November 30, 2012. The deadline for all completed enrollment forms to be received in the
Human Resources Office is 4:30 PM, November 30, 2012.
There will be no changes to our benefit plans for 2013. Again this year the College will offer its
medical and dental insurances, as well as, its Health Reimbursement Account (HRA) and Health
Savings Account (HSA) and Wellness Incentive Program through CIGNA. The Flexible
Spending Account (FSA) and Dependent Care Spending Account (DCA) will remain with Group
Dynamics, Inc. Basic life, long term disability and supplemental life insurance programs will
remain with Lincoln.
Please refer to http://www.sjcme.edu/hr/Benefits2013, our open enrollment website under
Human Resources. I recommend you use this website as a key resource when considering your
benefit options. You will find definitions for understanding plan descriptions, frequently asked
questions, helpful links to benefit carriers and prescription drug options, plans summaries, forms
and rates. If you are not electing a benefit, please select ‘waive’.
This year’s enrollment process will require you to complete the Saint Joseph's College Benefit
Election Form. For every benefit that you elect, refer to the information below explaining
additional carrier enrollment forms that may need to be completed. Forms can be found on the
Open Enrollment website.
Medical: If your election represents a change in coverage, please complete the SJC
CIGNA enrollment form located on the Open Enrollment Website and return it with your
enrollment information.
Dental: If your election represents a change in coverage, please complete the SJC
CIGNA enrollment form located on the Open Enrollment Website and return it with your
enrollment information.

Supplemental Life Insurance: You may choose to add or increase your supplemental
life insurance in increments of $10,000 up to 7 times your salary (cap $500,000). This
increase is subject to a successful review of your evidence of insurability. If you choose
to make this kind of change, please visit the Open Enrollment Website, download an
Evidence of Insurability form, and return it with your enrollment information.
Supplemental Life Insurance: If you choose to drop or decrease your supplemental
life insurance please visit the Open Enrollment Website, download a Group Insurance
Change Form, and return it with your enrollment information.
Medical Care and Dependent Care Reimbursement Accounts (FSA): These are
calendar year plans that allow you to take money out pre-tax and deposit it into one of
these accounts for use to cover eligible medical expenses or eligible dependent care
expenses. To establish a new account for the calendar year 2013, please complete the
Salary Reduction Agreement included in this packet.
Health Savings Account (HSA): This benefit is paired with the QHDP (qualified high
deductible plan) and allows you to take money out pre-tax and deposit it into this account
for use to cover eligible medical expenses. If you are electing this coverage new for 2013,
visit the Open Enrollment website and follow the link provided to complete the online
enrollment form where you will be able to create a new CIGNA HSA account. For those
returning and new for 2013, please note your optional annual election on the space
provided on the Benefit Election Form.
SJC Wellness Incentive Program: This program provides both general and customized
programs to support your wellness activities. Each program is paired with incentive
points for completion: 1 point = $1 dollar with a maximum of 300 points that may be
earned in a calendar year. All wellness rewards will be deposited into your HRA, HSA
or FSA account upon completion of each of the programs. In order to be eligible for the
SJC Wellness Incentive Program you (and your spouse if covered by SJC), must
complete the online Health Risk Assessment once per year on www.mycigna.com
. You will also need to complete by January 31, 2013 the
Culture Audit. The link to the audit is available on our Open Enrollment website.
Our health, dental and reimbursement account benefits are part of our Cafeteria Benefits
Plan, which allows for pretax premium deductions if you meet certain requirements. I would
like to stress that in order to ensure that you are able to participate in the pretax deduction
program for health and dental premiums and to elect changes in other benefits, your benefit
enrollment material must be completed, dated and returned to the Human Resource office by
4:30 PM Friday, November 30, 2012 with no exceptions. If you have any questions don’t
hesitate to contact our office at x7756.