SMCI Benefit Guide 2017 2018
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EMPLOYEE BENEFITS GUIDE Effective December 1, 2017 - November 30, 2018 Welcome! Southern Mutual provides a very comprehensive benefits offering to you and your family members. Most of your insurance benefits become effective on your full time date of hire; however, if you elect to purchase optional vision benefits, this coverage becomes effective on the first day of the month following your date of hire. Am I eligible? If you are a Southern Mutual full-time W2 employee, working 30 or more hours per week, you are eligible to enroll in the benefits described in this guide. Your spouse and eligible dependents may enroll for medical, dental, vision and supplemental life insurance. Premiums for all plans are paid thru pre-tax payroll deductions, resulting in 25 - 30% tax savings. What do I have to do? Medical: You must complete an enrollment form when you are first eligible, electing or waiving coverage. Dental: You must complete an enrollment form when you are first eligible, electing or waiving coverage. Vision (Optional): You must complete an enrollment form to elect coverage. Long Term & Short Term Disability: You are automatically enrolled in this employer paid benefit. Group Term Life Insurance: You are automatically enrolled in this employer paid benefit. You must complete an enrollment form to select a beneficiary. Supplemental Life / Dependent Life Insurance (Optional): You must complete an enrollment form to elect coverage. To increase coverage, an evidence of insurability form must be submitted for consideration. When can I make changes? You are able to make changes during the month of November during our Open Enrollment Period. After November, you must have a qualified change in status in order to make changes to the benefits you elect during the plan year. Qualified changes in status include: marriage, divorce, legal separation, birth, adoption of a child, change in child’s dependent status, death of spouse or child. Involuntary loss of other coverage due to a change in spouse employment or loss of Medicaid eligibility would also apply. Employees have an open enrollment period during the month of November to make changes to the medical, dental, vision and supplemental life benefits. All Savers Medical Benefits The Benefits Shown are In-Network Benefits United HealthCare Out-of-Network Benefits are paid at a lower Copay Plan P35003060 rate and members can be balance-billed Covered Insured Pays: Individual Deductible: $3,500 Family Deductible: $7,000 Aggregate or Embedded Deductible: Embedded Coinsurance Amount: 0% Individual Coinsurance Limit: N/A Family Coinsurance Limit: N/A Individual Total Out-of-Pocket Maximum: $6,550 Family Total Out-of-Pocket Maximum: $13,100 In & Out Patient Hospital Services: Subject to Deductible In & Out Patient Testing: Subject to Deductible Primary Care Office Visit Copay: $30 Specialist Office Visit Copay: Preventive Care Office Visit (In-Network Only): $60 Covered at 100% Urgent Care: $100 Emergency Care: $300 Prescription Benefits: Mail Order Prescription Benefits: $15 / $35 / $60 / $100 $37.50 / $87.50 / $150.00 / $250 Maximum Lifetime Benefit: Unlimited Note: The out-of-network deductible is $7,000, coinsurance 50%, maximum out-of-pocket $14,000, based on reasonable & customary charges. SMCI Pays 100% of EE Cost and 50% of Dependent Cost Coverage Level UHC AllSavers Semi-Monthly ContribuTotal Monthly tions SMCI pays on your Cost behalf Employee Pays 50% of the Dependent Cost Your Semi-Monthly Payroll Deduction $582.01 $291.01 $0.00 Employee & Spouse $1,244.40 $456.61 $165.60 Employee & Children $1,078.80 $415.21 $124.20 Employee & Family $1,741.21 $580.81 $289.80 Employee Only This is intended as a brief overview of the benefits. Refer to the full Certificate of Coverage for all binding contractual provisions. Getting Started Visit: myallsaversmember.com Registration is quick and simple. Click on Register Now. You’ll need your health plan ID card, or coverage materials. Follow the step-by-step instructions. Track Claims and expenses for your family Plan ahead for tests and treatments Stay on top of your medical history Receive tips for improving your health Find a doctor Stay Well Be Well Trio Motion F I T RALLY Trio Device & FIT Rewards Use a free wearable to track steps, reach goals and earn rewards. Visit: TrioMotionFit.com Rally Wellness Health survey, missions, challenges, and rewards. Visit: rally-support.com/customer Get Well Healthiest You Doctor Connect & Mobile APP Connect with doctors 24x7, shop and price prescriptions and so much more. Download the app, fill in the fields, start using or call 866-703-1259 Visit: member.healthiestyou.com What you need to know about your Health Flexible Savings Account through TASC: 800-422-4661 What is a Flexible Spending Account? A Medical Flexible Spending Account (FSA) is an account to which you contribute part of your pay before FICA, State and Federal Income (withholding) Tax to pay for qualified medical, dental and certain vision expenses for yourself, your spouse, and/or your dependents. What are qualified expenses? Any IRS Section 213 (D) expenses are eligible to be reimbursed through your Medical FSA. These expenses include most medical, Rx, dental & vision related services. Why should I participate in a Medical Reiumbursement FSA? Normally, you would receive an income tax deduction for qualifying medical, dental and vision expenses that exceed 10% of your adjusted gross family income. (Few taxpayers ever meet that qualification or receive a tax deduction.) How can I participate? First determine regular medical, dental and vision expenses you and your dependent(s) will incur during this plan year (1/1/2018 to 12/31/2018). Enter the amount you want to set aside before taxes on the Election Form. Each pay period, SMCI will deduct this amount from your paycheck and deposit the funds directly into your Flexible Spending Account. Can I revoke my annual election amount? Generally, no. However, if you have a qualified change in status (marriage, divorce, birth, adoption, unpaid leave of absence, change in employment status of you or your spouse from full-time to part-time or vice-versa) you can revoke your annual elected amount and make a new election for the remainder of the plan year. Do I have a “Use It Or Lose It” rule? You may submit a request for reimbursement for expenses incurred through December 31, 2018. You will have a 60-day timeframe to submit the Reimbursement Request Form for expenses incurred during that time. SMCI allows up to $500 of unused funds to be rolled over to the next calendar year. When can I elect to participate, and how much may I contribute? Each year, during the Open Enrollment period and prior to the Plan renewal date, you must complete a new Election Form for the upcoming plan year if you are making a change. The 2018 annual contribution limit for Healthcare Reimbursement is $2,650. What expenses are not eligible? Over-the-counter medicines cannot be purchased with FSA money without a prescription. Cosmetic procedures are also not eligible. What happens if my request for Medical Care Reimbursement is greater than the amount of money in my account? The annual amount is available to you from the beginning of the 1/1/2018 plan year, and if you request more than the annual elected amount, only the elected amount will be available to you. On-line access: https://tascparticipant.lh1ondemand.com Mobile App: MyTASC MEDICAL FSA ELIGIBLE EXPENSES • Artificial limbs or teeth • Hearing devices • Birth control pills, contraceptive devices & • Hospital bills sterilization procedures • Insulin, diabetic supplies, and test kits • Childbirth classes • Medical tests and other services • Co-pays, co-insurance, & deductibles • Orthodontia • Durable medical equipment • • Dental exams, cleanings & other qualified services Some over the counter items when accompanied by a prescription from a medical provider Welcome to Delta Dental! We are pleased to offer Dental benefits for you and your family. PREVENTIVE SERVICES BASIC SERVICES MAJOR SERVICES No Waiting Period No Waiting Period No Waiting Period Zero Deductible $50 Calendar Year Deductible $50 Calendar Year Deductible 100% Coverage 80% Coverage 50% Coverage Fillings Inlays, Onlays, Crowns Oral Exams / Cleanings (1 per 6 months) Full Mouth X-rays Oral Surgery & General Anesthesia (1 per 36 months) Oral Exams / Problem Focused Endodontics & Periodontics (Combined w/ Exam Limit) (root canals) Bridges and Dentures Bitewing x-rays (<14: 1 per 12 months) Repair & Maintenance of Crowns, Bridges & Dentures Simple Extractions (19+: 1 per 12 months) Fluoride Treatment Sealants & Space Maintainers (<16: 1 per 12 months) (age & frequency limits apply) Calendar Year Annual Maximum: Implants $1,500 per member ORTHODONTICS - $1,000 Lifetime Maximum per member (dependents to age 19 only) Www.deltadental.com DENTAL INSURANCE COSTS SMCI Pays Employee Pays 100% of the EE Cost Dependent Cost Only! TOTAL Semi-Monthly Semi-Monthly MONTHLY Payroll Deductions COST Contributions on Your Behalf EMPLOYEE $41.74 $20.87 $0.00 EMPLOYEE & SPOUSE $85.91 $20.87 $22.09 EMPLOYEE & CHILD(REN) Customer Service: $95.35 $20.87 $26.81 $149.13 $20.87 $53.70 COVERAGE LEVEL EMPLOYEE & FAMILY Website: www.deltadentalsc.com Welcome to EyeMed! We are pleased to offer Vision benefits for you and your family. IN NETWORK • o • $150 • After your e sive eye exam eve y 12 months with a $10 co allowance eve y 12 months towards gl ses and/or contact lens* with a one-time $25 co allowance has been used, receive a 15 • **. • Discounts of • S on surgery including y. A y. discount on glasses contact lens at at contact lens fitting fee of no more than $55 or 10% discount off contact lens*** most ovi s*. e usual and fitting for • No claims or to file. *Material allowance does not cover non-prescription lenses, non-prescription or cosmetic contact lenses, or non-prescription sunglasses. OUT OF NETWORK • If you choose to use an out-of-network provider, you will be reimbursed the following amounts: • Exam including contact lens fitting: $40 reimbursement • Materials: $105 reimbursement - You will be mailed a membership card. - To find an in-network provider near you, go to www.eyemed.com or call 1.866.939.3633 - Please visit www.eyemed.com for participating refractive surgery providers and discounts. - To make an appointment, call an in-network provider and let them know that you are an EyeMed member - You are responsible for payment to the in-network provider of any amount exceeding the material allowance, any copays and any contact lens fitting fees. - This is a routine vision program. Medical and surgical treatments of the eyes are not covered benefits. - Dependent children are covered to age 26 regardless of student status. VISION INSURANCE COSTS: TYPE OF COVERAGE Employee Pays Total Cost Semi-Monthly Payroll Deductions EMPLOYEE $4.30 EMPLOYEE & SPOUSE $8.17 EMPLOYEE & CHILD(REN) $8.60 EMPLOYEE & FAMILY $12.63 EMPLOYER PAID SHORT-TERM DISABILITY • Benefit is 60% of your weekly pre-disability earnings, to a maximum of $1,500 per week. • Payable on the 31st day of an accident or the 31st day for an illness. • 9 Week benefit duration. • Your benefit will be taxable, as Southern Mutual pays 100% of your monthly premiums. EMPLOYER PAID LONG-TERM DISABILITY • Benefit is 60% of your monthly pre-disability earnings, to a maximum of $7,500 per month. • Payable after 90 days of a total or partial disability. • Own Occupation Period is 24 months. • Maximum duration of benefits is to Social Security Normal Retirement Age (SSNRA). • If you remain actively at work beyond your normal retirement age, your benefit will never be paid for less than 12 months, as long as you remain disabled. • Unlimited Return to Work Incentive. • 3 months survivor benefit. • Your benefit will be taxable, as Southern Mutual pays 100% of your monthly premiums. Group Number G000AY4G Customer Service: (800) 228-7104 Website: www.mutualofomaha.com EMPLOYER PAID BASIC LIFE INSURANCE • $50,000 Life and Accidental Death & Dismemberment Insurance • Southern Mutual pays 100% of the premium VOLUNTARY LIFE INSURANCE • Employee Max Benefit - Lesser of 5x annual earnings or $100,000 in increments of $10,000, rounded to the next higher $1,000 Guarantee Issue for New Hires = $100,000 • Spouse Max Benefit - 50% of employee amount, up to $20,000 Guarantee Issue for Spouses of New Hires = $20,000. • Child Max Benefit - $10,000, in increments of $2,000 Guarantee Issue for Children of New Hires = $10,000 VOLUNTARY LIFE INSURANCE RATES Employee Spouse Age Bracket Monthly Cost Per Monthly Cost Per $10,000 $10,000 Sample Employee Sample Employee Per-Pay-Period Per-Pay-Period Cost for $20,000 Cost for $100,000 0-24 $1.12 $1.12 $1.12 $5.60 25-29 $1.25 $1.25 $1.25 $6.25 30-34 $1.33 $1.33 $1.33 $6.65 35-39 $1.56 $1.56 $1.56 $7.80 40-44 $1.95 $1.95 $1.95 $9.75 45-49 $2.72 $2.72 $2.72 $13.60 50-54 $4.18 $4.18 $4.18 $20.90 55-59 $6.77 $6.77 $6.77 $33.85 60-64 $10.42 $10.42 $10.42 $52.10 65-69 $16.88 $16.88 $16.88 $84.40 70-74 $29.18 $29.18 $29.18 $145.90 75-79 $48.80 $48.80 $48.80 $244.00 Child Term Life Rate for $10,000: $1.30 Customer Service: (800) 228-7104 Group Number G000AY4G Website: www.mutualofomaha.com We at Southern Mutual Church Insurance appreciate our employees, and we hope you agree that our benefits package reflects this. CONTACT INFORMATION Assurance Benefits Group, LLC 1898 Calhoun Street #6 Columbia, SC 29201 Tammie J. King, RHU, REBC Office (803) 227-8639, x102 Cell (803) 738-6858 Fax (803) 227-8659 Tammie@ABG-LLC.com Carol Iverson Office (803) 227-8639, x103 Fax (803) 227-8659 Carol@ABG-LLC.com This Guide is only intended to offer an outline of benefits. All details and contract obligations of plans are stated in the group contract/insurance documents. In the event of conflict between this guide and the group contract/insurance documents, the group contract/insurance documents will prevail. Please contact your Human Resources Department for further information.
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