2013 Employee Benefits Guidebook - Administration Home

More documents

Recommendations

Info

AD&D Coverage Rates Employee, Spouse & Child AD&D Semi-Monthly Rate $.100 per $10,000 Term Life Coverage Rates Rates shown are your semi-monthly deduction: A tobacco user is defined as anyone who currently uses or has used a tobacco product within the last 12 months. Employee and Spouse Life Semi-Monthly Step Rates per $10,000 Child Life Semi-Monthly Rate Age Non-Tobacco Tobacco 15-24 0.220 0.310 $1.00 per $10,000 25-29 0.220 0.310 30-34 0.265 0.395 35-39 0.310 0.530 40-44 0.570 1.275 45-49 0.925 2.155 50-54 1.585 3.390 55-59 2.465 5.700 60-64 3.870 8.850 65-69 6.700 15.95 70-74 12.50 28.50 75+ 12.50 28.50 Insurance Age: Your rate is based on your insurance age. To calculate your insurance age, subtract your year of birth from the year your coverage becomes effective. 2013 Employee Benefit Guidebook Updated August 2013
DISABILITY BENEFITS SHORT TERM DISABILITY (STD) - Unum Policy #907374 WEEKLY BENEFIT: If you are Totally Disabled beyond the elimination period due to a covered injury or sickness, you may be eligible to receive a weekly benefit of 60% of your basic weekly income to a maximum benefit of $1,000. This benefit may be reduced by income or benefits from certain other income sources listed in your plan document. DEFINITION OF TOTAL DISABILITY: Total Disability is defined as the inability to perform the material and substantial duties of the employees’ regular occupation due to injury or illness as certified by a health care provider and approved by the Disability Management Company. ELIGIBILITY DATE: An employee becomes eligible for coverage provided by the Policy on the later of the Policy’s effective date or the date the Insured Employee satisfies the Waiting Period specified in the Policy Effective Date. POLICY EFFECTIVE DATE: Employees are eligible for coverage on the first of the month following the first day of full-time employment or concurrent with their date of hire if hired on the first day of the month. If you are hired full-time starting from the 1 st through the 15 th of the month, coverage is effective the first day of the next month. If you are hired full-time starting the 16 th through the last day of the month, coverage is effective on the first day of the second following month. (Example 1: First day of full-time employment is January 15 th , coverage is effective February 1 st . Example 2: First day of full-time employment is January 16 th , coverage is effective March 1 st .) ELIMINATION PERIOD: Benefits begin following 14 continuous days of Disability or following exhaustion of available sick and vacation benefits, whichever is later. HOW TO REPORT A DISABILITY CLAIM: 1. Advise your supervisor or manager as soon as possible, preferably on or before your first absence. 2. Call the UNUM hotline at 888-673-9940 as soon as possible, or you can access the form on the following website: http://w3.unum.com/enroll/ElPasoCounty/enrollment.aspx NOTIFICATION OF CLAIM DECISION: The insurance company will notify both the employee and the Benefits Administrator of their claim decision. Claims can take a few weeks or even longer to be processed so employees are encouraged to submit their paperwork as soon as possible. STD checks are available in the Employee Benefits and Medical Services Benefits Division office after 9:00 a.m. on paydays. SUMMARY PLAN DESCRIPTION (SPD): The SPD information may be obtained by contacting the Employee Benefits Division at 719-520-7420. WHO PAYS FOR DISABILITY COVERAGE: Employees are required to contribute $5.00 per pay period for their Short Term Disability coverage. 2013 Employee Benefit Guidebook Updated August 2013
Page 1 and 2: EMPLOYEE BENEFITS Open Enrollment G
Page 3 and 4: PHONE DIRECTORY Employment, Benefit
Page 5 and 6: IMPORTANT INFORMATION SUMMARY OF BE
Page 7 and 8: EMPLOYEE CONTRIBUTIONS AND POP: The
Page 9 and 10: MEDICAL, VISION AND DENTAL PLAN PRE
Page 11 and 12: Questions regarding which protectio
Page 13 and 14: (including ER Physician services) M
Page 15 and 16: All subsequent prenatal visits, pos
Page 17 and 18: Note: The copayment will apply as l
Page 19 and 20: Pregnancy * Initial visit (to confi
Page 21 and 22: Wellness Exams The County Employee
Page 23 and 24: Walgreens Health Initiatives now Ca
Page 25 and 26: Medication List (PML)/formulary is
Page 27 and 28: 2013 Employee Benefit Guidebook Upd
Page 29 and 30: Guardian DENTAL PLANS El Paso Count
Page 31 and 32: What is an FSA? FLEXIBLE SPENDING A
Page 33 and 34: You can only be reimbursed up to th
Page 35: VOLUNTARY TERM LIFE INSURANCE Volun
Page 49: 2013 Employee Benefit Guidebook Upd

2013 Employee Benefits Guidebook - Administration Home

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?