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Enrollment 2013

Enrollment 2013. Guide covers: What’s new this year How to enroll Plan descriptions Cost Important Contacts. 2. Enrollment Overview. Enrollment Timeline: Overview of Plans Coverage Cost Enrollment Instructions. 3. Enrollment Details for Medical Coverage.

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Enrollment 2013

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  1. Enrollment 2013 Guide covers: • What’s new this year • How to enroll • Plan descriptions • Cost • Important Contacts 2

  2. Enrollment Overview • Enrollment Timeline: • Overview of Plans • Coverage • Cost • Enrollment Instructions 3

  3. Enrollment Details for Medical Coverage • Youare strongly encouraged togo online andactively enroll in your medical coverage • If you do not go online and enroll: • Medical coverage defaults to OAP Deductible Plan (formerly Option 2) – Participants in HRA (formerly Option 3) who do not re-enroll will lose any accumulated HRA dollars • All other lines of coverage will remain the same, with the exception of the FSA • Enroll at: www.employease.com • Refer to pages 2-3 of your Benefit Enrollment Guide for more details 4

  4. Health Care Reform • Preventive Care • All three medical options will cover preventive services at 100% - no deductible or copay required when you use in-network providers. • Refer to page 6 of your benefit enrollment guide for more details. • Medical Flexible Spending Account (FSA) • The most you can contribute to the Medical Reimbursement Account is being lowered to $2,500. • Refer to page 10 of your benefit enrollment guide for more details. 5

  5. New Life Insurance Option with a Long-Term Care benefit • New benefit offered by Fidelity Life • Permanent Term Life policy with coverage to age 121 • Level premiums to age 100 • Includes a long-term care benefit • Guarantee issued at this open enrollment with no medical questions. • Is fully portable; you can take it with you if you leave • Refer to page 13 of your benefit enrollment guide or the Fidelity Life brochure in your benefit enrollment packet for more details 6

  6. More on the New LifeTime Term Insurance option with long-term care benefit 7

  7. Current Life insurance coverage • You have excellent life insurance at work during your working years • Life insurance benefits provided by an employer often end, are dramatically reduced or the cost increase when you leave employment. This is especially true at retirement age. For many employees this news is delivered too late, when your age or health prevents the purchase of a new policy. • This can be a problem because according to the Wall Street Journal, 60% of males and 71% of females age 65 will live to age 80. • Now you have an opportunity to enroll in a term life Insurance plan that doesn't reduce or end. 8

  8. LifeTime Term Insurance with a long-term care benefit The new LifeTime Benefit Term insurance provides coverage to age 121 Paid up values starting after 5 years LifeTime Insurance base policy has a guaranteed level premium Long Term Care rider included Guaranteed coverage with no medical questions (this year only) Employee – up to $50,000 Spouse guaranteed a Term Rider if they don’t qualify Children term rider for age 15 days – 24 (insured to 26 if dependent) You keep the plan at the same price if you leave employment 9

  9. Long Term Care Benefit Provides a monthly benefit equal to 4% of the base policy for up to 25 months for medically necessary ADL Assistance Provided By: Nursing Home Adult Day Care Assisted Living Facility Home Health Care EXAMPLE: $50,000 x 4% = $2,000 per month for 25 months Maximum issue ages apply 10

  10. Living Benefits For Long Term Care Trigger = Insured Needs Help With 2 of 6 ADL’s (Medically Necessary) OR Cognitive Impairment (Such as Alzheimer’s or other nervous/mental disorder caused by clinically organic disease) Eating Dressing ADL’s Transferring Continence Bathing Going to the Toilet 11

  11. What’s new for employees hired after October 1, 2011? 12

  12. Hired after October 1, 2011 • You will be receiving personalized enrollment forms mailed to your home regarding the following benefits: • Accident insurance • Cancer insurance • Critical illness insurance • You will need to indicate if you would like your premiums deducted pre or post tax by checking “yes” or “no” in the Section 125 box • If you have questions, please contact BeneSync at 1-888-808-1664 ext. 298 • Refer to pages 12-13 in your benefit enrollment guide for more details • Provided by Allstate Workplace Division All new hires during this period must accept or decline coverage 13

  13. Existing Voluntary Benefits through Allstate • Cancer insurance – designed to assist with the out of pocket expenses of battling cancer • Critical Illness Insurance – designed to provide a lump sum benefit when an insured is diagnosed with one of the covered conditions: • Cancer • Heart Attack, Stroke, Heart Transplant, Bypass Surgery, Angioplasty, Stent Placement • Major Organ Transplant, Renal Failure, Multiple Sclerosis, Alzheimer’s Disease, Paralysis • Accident insurance – Pays a benefit directly to the insured for expenses resulting from an injury resulting from a covered accident All Newly Eligible Employees will receive an enrollment kit – previously eligible employees can call 1-877-848-9251 14

  14. Allstate Product feature review • Guarantee issue – no medical questions for new hires during this period • Portable: you keep policies when you leave • Family options available • Cash benefits paid directly to you to assist with out-of-pocket expenses not covered by medical insurance • Wellness reimbursement/Outpatient Physician’s Treatment Benefit on Accident, Cancer and CI Complete all enrollment forms for the Allstate Products and submit to the Risk Management Department by Friday, October 26th 15

  15. What are my benefits? 16

  16. Compare your Medical options (In-Network)

  17. Medical Contributions 18

  18. Which Plan Is Right For You? 19

  19. Medical HRA Option • See pages 6-7 in the Enrollment Guide • No premiums – County pays entire cost • Free preventive care (in-network) • $50 copay to Med Point for non-preventive care. • County contribution to help you meet deductible: • $750/person • $1,500/family 20

  20. Medical HRA Option How it works: 1. Enroll in plan; no paycheck deductions 2. County establishes your HRA: • $750/person; $1,500/family 3. Use HRA dollars to pay eligible expenses 4. HRA funds are available upfront 5. Unused HRA fund mayrollover each year; however, County contributions cannot exceed the annual deductible within a given year. 6. If you use all HRA dollars, you pay expenses until you reach deductible 7. Then plan pays 90% for in-network benefits 8. If you reach out-of-pocket maximum, plan pays 100% 21

  21. Compare your Dental options 22

  22. New Dental Option 23

  23. Life/AD&D Option If you want to increase or drop supplemental life coverage, please call Risk Management. Refer to pages 9in your benefit enrollment guide for more details 24

  24. Flexible Spending Account Option(Must Enroll Annually) • As a reminder, effective January 1, 2011 • Over-the-Counter (OTC) drugs can no longer be reimbursed under the FSA/Medical Reimbursement Account unless you provide a physician’s prescription. 25

  25. Disability Option For claims call the Rutherford County Risk Management Department Phone: 615-898-7715 26

  26. Other benefits • No changes to the following benefits: • Retirement Plans • 457(b) • 403(b) • Employee Assistance Program • Wellness Program • Wellness Website: www.rutherfordcountytn.gov/rm/wellness.htm 27

  27. How do I enroll? 28

  28. Logging In For additional information, please reference the benefit enrollment guide. . Log onto : https://adp.eease.com/ 29

  29. Open Enrollment Welcome Page Please read through basic instructions on dates and areas of importance We recommend “Walk me through this process” to confirm all Benefit plan data and options 30

  30. “Walk me through this process” Option If adding NEW Dependents select “Yes” and follow the prompts PLEASE NOTE Documentation is required if adding new dependents. Refer to the Benefit Enrollment Guide for detailed information. 31

  31. Confirmation – ALMOST FINISHED Screen IMPORTANT – you must select for finalizing your benefit elections 32

  32. Changes Submitted Successfully 33

  33. Printing Confirmation of Benefits Statement • IMPORTANT: • Select the Specific Date Option • Enter 1/1/2013 • Then select Go >> • IMPORTANT: • Select the Specific Date Option • Enter 1/1/2013 • Then select Go >> 34

  34. What’s new for 2013? New plans? Online enrollment process? Questions about… Review the benefit enrollment guide Don’t miss the benefits enrollment 35

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