2015 Employee Benefit Open Enrollment Morton County Human Resources Don’t Miss This Opportunity!...
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Morton County 2015 Employee Benefit Open Enrollment
2015 Employee Benefit Open Enrollment Morton County Human Resources Don’t Miss This Opportunity! Take the time today to: Critically Assess Your Benefit
Morton County Human Resources Dont Miss This Opportunity! Take
the time today to: Critically Assess Your Benefit Needs for 2015
Review the Morton County Benefits Program Consult with Your Family
Prior to Making Enrollment Decisions Resources for 2015 Open
Enrollment Human Resources, Wendy Bent Auditors Office, Kathy
Krance Online, Morton County Website (County Departments / Human
Resources / Employee Benefits)
Slide 4
Morton County Human Resources Team Members can make annual
adjustments: Starting on October 27, 2014; & Ending on November
7, 2014 All adjustments must be received by Morton County on or
before November 7, 2014. -Important Note: We will be unable to
grant any exceptions to this timeframe. All adjustments made will
become effective on January 1, 2015. Any change in premiums will
occur on: For voluntary benefits (health, dental, vision, voluntary
products, etc), changes will occur on the December 2014 payroll.
These programs are paid one month in advance. For other programs
such as retirement and flexible spending, those changes will occur
on the January 2015 payroll as these programs are paid current. The
USAble Program will be cancelled. If you are interested in
continuing a voluntary program, you can re-enroll through AFLAC. If
you are interested in Flexible Spending, you must re-enroll in this
program annually.
Slide 5
Morton County Human Resources Upon enrollment, benefits will
remain in force until the following plan year, unless you encounter
a Qualified Life Event. Team Member Eligibility: A Team Member has
the ability to enroll in the Morton County Benefit Program if they
work at least 20 hours per week on a consistent basis. Dependent
Eligibility: A Team Member may add a legally married spouse and or
legal dependent (natural-born, adopted or legal guardian) through
the age of twenty-six (26). Enrollment Timeframe: A Team Member may
enroll at time of hire, during Open Enrollment or if they encounter
a Qualified Life Event (QLE). Team Members will have thirty (30)
days from the date of hire or from the QLE to apply. Team Members
may also enroll during the annual enrollment window. Qualified Life
Event: A Qualified Life Event is a mid-year event which requires an
immediate change to your benefit elections such as a marriage,
divorce, birth, death, loss or gain of other coverage, etc
Slide 6
Morton County Human Resources North Dakota Public Employees
Retirement System (NDPERS): NDPERS Online System www.nd.gov/ndpers
Employees with previously activated accounts, use your prior logon
information. New Employees must create an online account prior to
the submission of new information. (All paper applications will be
made available online at the Morton County website, under
Departments/Human Resources/Employee Benefits. PEP
Contributions:Please contact Kathy Krance or complete the PEP Form
online and return to Human Resources. Dental:Please complete a
paper application available online. Vision:Please complete a paper
application available online. Flexible Spending:Please complete a
paper application available online. AFLAC:Must meet with AFLAC
Representative in person. UNUM Life:Please complete a paper
application available online.
Slide 7
Morton County Human Resources North Dakota Public Employees
Retirement System (NDPERS) Nationwide: Portability Enhancement
Provision (PEP)
Slide 8
Morton County Human Resources NDPERS is the sponsor of our
current Health Plan through BCBS, which is a PPO Provider. Monthly
Costs: Employee Employer Single - $50.51 $454.55 Family - $244.04
$976.18 For In-Network Services, here is a general summary of
coverages: Annual Deductible: $400.00 Annually Per Person / $1,200
Per Family Co-Insurance Generally 20% of Allowable Charge Out of
Pocket Costs: $1,150 Annually Per Person / $2,700 Per Family
Co-Pays: $25.00 Per Visit Emergency Care: $50.00 Per Visit + 20%
Co-insurance Prescription Medication: $5.00 Generic / $20 Preferred
/ $25 Non-Formulary Durable Medical Equipment: 80% of Allowable
Charge Maternity Services: 80% of Allowable Charge
Slide 9
Morton County Human Resources Each employee and spouse can earn
HealthyBlue Rewards! Must be 18 Years or Older Use the HealthyBlue
Online Wellness Tool What will HealthyBlue do for you? Confidential
Health Assessments Personalized Wellness Plans Assistance with
meeting Lifestyle and Wellness Goals Online Program to Plan and
Track Your Success Go to www.ndpershealthyblue.com to get started
today!www.ndpershealthyblue.com
Slide 10
Morton County Human Resources Delta Dental is the current
provider for Morton Countys Dental Insurance program. This is a PPO
provider with an extensive network of dentists in our immediate
area. Monthly Costs: Single $30.09 + Spouse $61.39
+Child(ren)$66.47 Family$101 For In-Network Services, here is a
general summary of coverages: Lifetime Deductible: $100.00 Annual
Maximum: $1,000 Per Person Diagnostic and Preventive Services:100%
Basic Services:80% Basic Oral Surgery:55% Major Services:55%
Orthodontia:N/A
Slide 11
Morton County Human Resources Avesis is the current provider
for Morton Countys Vision Insurance program. This is a PPO provider
with an extensive network of vision providers in our immediate
area. Monthly Costs: Single $8.45 + One$14.79 Family$21.97 For
In-Network Services, here is a general summary of coverages: Co
Payment:$10.00 for Exam and $10.00 for Material Annual Exam:100%
After Co Pay Frames and Lenses:$200.00 (Lenses Annually/Frames
Every Two Years) Contact Lenses: $130.00 Annually (In Lieu of
Frames and Lenses) LASIK:$150 One Time Allowance
Slide 12
Morton County Human Resources Morton County offers a
Supplemental Life Insurance Program through UNUM. This program
allows you to purchase additional life insurance over and above the
current employer offering of $10,000 Life / $10,000 Accidental
Death & Dismemberment. Employees may elect up to five (5) times
their annual salary in increments of $10,000. The maximum allowance
is $500,000. An employees spouse may elect up to the employees
election in increments of $5,000. An employees dependent child may
elect up to the employees election in increments of $2,000, not to
exceed $10,000. In order to elect spousal or dependent child life
insurance, the employee must elect life insurance. At the age of
65, the life insurance benefit will reduce by 65% of the original
amount. At the age of 70, the life insurance benefit will reduce by
50% of the original amount. For rates, please see the 2015 Benefits
Guide on the Morton County Website.
Slide 13
Morton County Human Resources A Flexible Spending Account is a
tool that allows employees to pay for un-reimbursable medical and
daycare expenses with money that is considered pre-tax. Because
this money is taken out of your pay, prior to taxes, you are able
to save money by reducing your taxable income. The Annual Maximum
for the Medical FSA is $2,500. The Annual Maximum for the Dependent
Care FSA is $5,000. The Medical FSA Account can be used for CoPays,
Coinsurance, Prescription Costs, Durable Medical Equipment and
other Out-of-Pocket Expenses not covered by Health Insurance. The
Dependent FSA Account can be used for Day Care for children (up to
age 13). It will also provide Adult Day Care for any Disabled
Dependent to include a Spouse.
Slide 14
Morton County Human Resources If Morton County identifies
enough interest (at least 25 individuals), we will begin to offer a
Group Critical Illness program. This program provides a lump sum
benefit upon the diagnosis of not only one covered illness, but for
each covered illness. This cash benefit is intended to cover
out-of-pocket medical expenses and the costs associated with
life-changes following a covered critical illness. Plan Features:
Lump-Sum Benefits Guaranteed Issue / Amount Equal to $10,000
Spousal Coverage Available Dependent Child Covered at 50% of
Primary Insurance Amount at No Charge Benefit Available @ $5,000 -
$50,000 /$25,000 for Spousal Coverage. Annual Health Screening
Benefits Available Portability Options Cost Based on Age @ Time of
Application / No Increase due to Age/Health/Claim Immediate
Effective Date
Slide 15
Morton County Human Resources Short-Term Disability is an
income replacement program intended to supplement your income in
the event that a disability prevents your ability to earn an
income. Monthly Benefit:$500 - $6,000 (subject to income
requirements) Total Disability Periods:3, 6, 12, 18 or 24 months
Partial Disability Periods:3 months Costs will vary based on
elimination periods and elected monthly benefits. To review the
current rate sheet, please visit the Morton County Website.
Slide 16
Morton County Human Resources In the event of an accident,
AFLACs Accident Indemnity Advantage program pays benefits of cash
directly to you. This program is intended to provide financial
resources to help with expenses incurred due to an injury, assist
with ongoing living expenses or to help with any purpose you
choose. The Accident Indemnity Advantage Offers: No Deductibles or
Co-Pays No Lifetime Limit No Network Restrictions No Coordination
of Benefits
Slide 17
Morton County Human Resources The AFLAC Cancer Care Plan
provides individuals and families to cope financially and
emotionally if a positive diagnosis of cancer ever occurs. The
benefit amounts vary based on services. However, benefits are
available for: Cancer Wellness Cancer Diagnosis Cancer Treatment
Hospitalization Continuing Care Ambulance, Transportation, Lodging
and Other Benefits
Slide 18
Morton County Human Resources Aflacs Critical Care and Recovery
Program provides financial lump sum cash payments in the event you
suffer from a significant life event that is medically related.
First-Occurrence:$5,000 Named Insured/Spouse; $7,500 Dependent
Children Re-Occurrence:$2,500 Secondary Specified Health Event:$250
Hospital Confinement:$300.00 Per Day Hospital IC for Sickness:Days
1-7 / $700 Per Day // Days 8-15 $1,200 Per Day Hospital IC for
Injury:Days 1-7 / $800 Per Day // Days 8-15 $1,300 Per Day Major
Organ Transplant:$25,000 Continuing Care:$125 Daily up to 75 Days
Ambulance:$250 Ground / $2,000 Air Transportation:$0.50 Per Mile up
to $1,500 Per Occurrence Lodging:$75.00 Per Day
Slide 19
Morton County Human Resources Aflacs Hospital Confinement
program will provide benefits when a covered person incurs a charge
for confinement in a hospital. Aflac Hospital Advantage offers
benefits for: Hospital Confinement Rehabilitation Facility
Emergency Room Short-Stay Physician Visit Medical Diagnostic and
Imaging Ambulance Surgical Invasive Diagnostic Exams
Slide 20
Morton County Human Resources Morton County offers an EAP
program that provides employees with professional support when
complex situations arise. When personal and family problems occur,
you and your family have the option of reaching out to St. Alexius
for a free confidential assessment, counseling or a referral! This
is a confidential program where no information is shared with the
employer. Your confidentiality will be guaranteed. This is a 24
hour a day, 7 day a week service. The number to call is (800)
327-7195.
Slide 21
Morton County Human Resources At any time, please dont hesitate
to ask for assistance Resources for 2015 Open Enrollment Human
Resources, Wendy Bent Auditors Office, Kathy Krance Online, Morton
County Website (County Departments / Human Resources / Employee
Benefits)
Slide 22
Morton County Human Resources YOU Are Exceptional !!!