Views
4 months ago

2018benefitguide-NEWHIRE-web

Your Dental Benefits

Your Dental Benefits CONSULTING SALES STAFFING Taking SUPPORT good care of your teeth now may help you from having major expenses later. Your dental insurance helps pay for the cost of your dental checkups and many other types of basic and major care. Following is a summary of dental coverage and costs for 2018. Annual Per Person Deductible $50 Annual Family Deductible $100 Annual Benefit Maximum per person $1000 Benefits: Diagnostic & Preventive Procedures …………………. 100% (routine exams, etc.) Basic Restorative Procedures …………………………. 80% (extractions, fillings, etc. Major Care (crowns, bridges, etc.) ……………………. 50% Your Monthly Dental Premiums Individual $14.00 Employee + Spouse $20.30 Employee + Child $21.59 Family $34.30 Dependent children are eligible for coverage to Age 19 (to Age 23 if FT student). Finding a Network Dentist By Phone — Access Delta Dental’s dentist directory by calling 1-800-236-3712 On the Web — Go to www.deltadentalwi.com, select “Find a Network Dentist” from the “Provider Search”. Mobile App — Go to the App Store or Google Play and search for Delta Dental—log into the Mobile App and click on “Find a Dentist”. Select the network Delta Dental Premier when searching. Your Vision Benefits Healthy eyes and clear vision are an important part of your overall health and quality of life. Your vision plan helps you care for your eyes while saving you money. Benefits are available when you go to an in-network vision provider. Davis Vision Plan - Designer 2 Employee Monthly Premiums Single $6.07 Employee + Spouse $10.92 Employee + Child(ren) $11.53 Family $18.20 Dependent children are eligible for coverage until age 26. Please see the Davis Vision Flyer available from HR or contact Davis Vision Directly for vision plan features at 1-888-790-9910 or www.davisvision.com State Client Code 4937 -5-

Aetna Offers Peace of Mind Planning for your family's financial security in the event of your death, sickness or serious injury will give you and your family peace of mind. Basic Life The company will continue to offer Basic Life and AD&D insurance coverage for all full-time eligible employees at NO COST TO YOU in 2018. Voluntary Elections: You can buy additional coverage called Voluntary Life insurance for yourself and your spouse and children. You can also purchase Voluntary AD&D coverage for yourself and your spouse and children and you can elect voluntary Long-Term Disability Insurance for yourself. VOLUNTARY LIFE INSURANCE Coverage For: Coverage Amount Evidence of Insurability Required You Increments of $50,000 up to a Evidence of insurability is required, if you didn’t elect max. of $200,000 voluntary life insurance for yourself in the past, if you want to increase by more than $50,000 for Your Spouse $25,000 up to a max. of $50,000 yourself OR if you want to add spouse coverage or increase spouse coverage. Your Child(ren) $5,000 up to a max. of $10,000 Employee must buy voluntary life coverage to be able to buy dependent life coverage. Dependent coverage cannot exceed 50% of employee’s coverage amount. Voluntary Term Life Insurance Employee Coverage/Monthly Premiums Age $50,000 $100,000 $150,000 $200,000 20-24 $5.30 $10.60 $15.90 $21.20 25-29 $6.35 $12.70 $19.05 $25.40 30-34 $6.65 $13.30 $19.95 $26.60 35-39 $8.35 $16.70 $25.05 $33.40 40-44 $9.90 $19.80 $29.70 $39.60 45-49 $14.70 $29.40 $44.10 $58.80 50-54 $24.05 $48.10 $72.15 $96.20 55-59 $41.15 $82.30 $123.45 $164.60 60-64 $72.60 $145.20 $217.80 $290.40 65-69 $120.95 $241.90 $362.85 $483.80 Voluntary AD&D Insurance (dependency on Employee Life purchase) Purchase increments: $50,000, $100,000, $150,000, $200,000 (not to exceed 7 x earnings) Employee only $0.026 Per $1,000 Employee & Family $0.037 per $1,000 Voluntary Term Life Insurance Spouse Coverage/Monthly Premiums Age $25,000 $50,000 20-24 $1.23 $2.45 25-29 $1.35 $2.70 30-34 $1.60 $3.20 35-39 $2.08 $4.15 40-44 $2.53 $5.05 45-49 $3.75 $7.50 50-54 $6.00 $12.00 55-59 $9.50 $19.00 60-64 $18.63 $37.25 65-69 $30.63 $61.25 Voluntary Term Life Insurance Child Coverage & Monthly Premiums $5,000 coverage — Monthly premium = $.50 $10,000 coverage — Monthly premium = $1.00 Dependent child age is 14 days old to Age 19 (Age 23 if FT student). Voluntary Long Term Disability Insurance Benefit: 50% of earnings Elimination Period: 180 days Evidence of Insurability Required (unless new hire) To calculate your monthly payroll deduction use this formula: 1. Enter Annual Earnings $ __________ Example: $40,000 2. Divide by 12 $ ____________ Example: $3,333.33 3. Multiply by .288 ____________ Example: $960.00 4. Divide by 100 _____________ Example: $9.60 In the example, the monthly deduction is $9.33. -6-