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Table of Content

  1. Header
  2. Page
    1. Header
    2. OVERVIEW
    3. ENROLLMENT
    4. MEDICAL/RX
    5. DENTAL
    6. WELCOME
    7. VISION
    8. LIFE & DISABILITY
    9. FSA
    10. HSA
    11. VOLUNTARY BENEFITS
    12. UNDERSTANDING YOUR BENEFITS
    13. Additional Resources
    14. Contact Us
    15. Footer
  3. Footer

OVERVIEW

[CLIENT NAME] remains committed to providing a competitive, cost-effective benefit program. We are implementing many changes and additions for the [2022] plan year, which we hope will be positively received by you and your families. Below are highlights of changes that will become effective on [EFFECTIVE DATE].


Please review your 2022 [CLIENT NAME] Open Enrollment Employee Benefits Guide for information on all of your benefits.

ENROLLMENT

How To Enroll In Benefits

Action Required:


All elections must be submitted by [00:00 am/pm] on [DATE]. The benefits you elect during open enrollment will be effective from [EFFECTIVE DATE RANGE].


[ACTIVE OR PASSIVE ENROLLMENT].


[LINK TO HRIS/ENROLLMENT PLATFORM WITH INSTRUCTIONS]


The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.


Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.

MEDICAL/RX

[CARRIER/TPA]

[CARRIER/TPA] will administer your medical and prescription drug benefits this year. Due to our continued desire to improve your total benefits package, we have moved your medical plans from [CARRIER/TPA] to [CARRIER/TPA]. This change has been carefully selected to provide the most value to you and your families.


To find out if your provider is in-network, please visit the [CARRIER/TPA] website below.

[CARRIER/TPA NAME]

Find An In-Network Provider

[CARRIER/TPA NAME]

Find An In-Network Provider

Preferred Provider Organization (PPO) Overview

Preferred Provider Organization (PPO) Overview

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

Health Maintenance Organization (HMO) Overview

Health Maintenance Organization (HMO) Overview

Point of service (POS) Overview

Point of service (POS) Overview

High Deductible Health Plan (HDHP) Overview

High Deductible Health Plan (HDHP) Overview

DENTAL

[CARRIER] Dental Plan

[CLIENT]''s dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the [CARRIER NAME] network, or you may see an out-of-network dentist of your choice. Be aware if you go out-of-network, your costs will be higher.


To find out if your provider is in-network, please visit the [CARRIER] website below.

[CARRIER/TPA NAME]

Find An In-Network Provider

[CARRIER/TPA NAME]

Find An In-Network Provider

Dental Insurance Overview Video

Dental Insurance Overview Video

VISION

[CARRIER] Vision Plan

DID YOU KNOW?

  • Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
  • Babies should receive their first professional eye exam at 6 months
  • 80% of learning in the first 12 years comes through the eyes


[CLIENT NAME] offers vision coverage through [CARRIER NAME] to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the [CARRIER NAME] Network. Review your coverage details in your Benefit Guide.


To find out if your provider is in-network, please visit the [CARRIER/TPA] website below.




[CARRIER/TPA NAME]

Find An In-Network Provider

[CARRIER/TPA NAME]

Find An In-Network Provider

Vision Insurance Overview

Vision Insurance Overview

LIFE & DISABILITY

[CLIENT NAME] provides you with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through [CARRIER NAME].


Basic Life/AD&D

Employees working [30 or more] hours per week are eligible for [$XXX] coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or to your beneficiary if your death is the result of an accident.


Voluntary Life/AD&D

A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.


Who''s Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don''t forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.


Short Term Disability

Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills. Your coverage through [CARRIER] pays [XX%] of your income to a maximum of [$XXX] per week.


Long Term Disability

Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household. Benefits begin after a [XX] day elimination period are are equal to [XX%] of covered monthly earnings up to [$XXX] for full-time employees.


Please consult your Employee Benefits Guide and review the benefit summaries for additional details.

Life/AD&D Insurance Overview

Life/AD&D Insurance Overview

Disability Insurance Overview

Disability Insurance Overview

FSA

Flexible Spending Accounts

Enrollment for the FSA plans occurs in the fall for the calendar year. The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes — which saves you money.


Contributions

The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.


You may contribute as follows:

Health Care FSA

  • Up to [$2,750] annually
  • All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
  • Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses


Dependent Care FSA

  • Up to [$5,000] annually
  • Limited to [$2,500] if you are married and file separate tax returns


How the Plan Works

You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.

HSA

Health Savings Account

The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.


To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP).


You may contribute as follows:

[$3,600] for a single contract

[$7,200] for a two person or family

Health Savings Account (HSA) Overview

Health Savings Account (HSA) Overview

VOLUNTARY BENEFITS

[CLIENT NAME] provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to employees. Additional benefits include:


  • Accident Care
  • Critical Illness
  • Hospital Indemnity
  • Legal Shield
Hospital Indemnity Overview

Hospital Indemnity Overview

Critical Illness Overview

Critical Illness Overview

Accident Overview

Accident Overview

UNDERSTANDING YOUR BENEFITS

  • Eye
  • exams can
  • help detect
  • serious eye
  • and general
  • health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
  1. Babies
  2. should
  3. receive
  4. their first professional eye exam at 6 months
  • 80% of learning in the first 12 years comes through the eyes


What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How to Read An Explanation of Benefits (EOB)

How to Read An Explanation of Benefits (EOB)

What is Balance Billing?

What is Balance Billing?

What is a Qualifying Event?

What is a Qualifying Event?

Primary Care vs. Urgent Care vs. ER

Primary Care vs. Urgent Care vs. ER

Contact Us

As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Intranet, and other videos and flyers found on this webpage. If you don''t understand your benefits or need any assistance, please contact:


[CLIENT NAME]

888-888-8888

JANEDOE@CLIENT.COM


Client Contacts

bk

brian kk

brian7@yopmail.com

cd

chris demorg

chris@nfp.com

1234567

ct

chris prod test

chrisprodtest@nfp.com

232434

t

test notification

analyticspoc3@gmail.com

Account Team Contacts

CM

Christy Moultrie

AT

christy.moultrie@nfp.com

212-301-4000

GJ

Grant Jondahl

account manager

grant.jondahl@nfp.com

212-301-4000

MB

Manoel Burgos

Test_Leader

manoel.burgos@nfp.com

212-301-4000

MO

Michael Oliva

Account Test

michael.oliva@nfp.com

212-301-4000

PK

Prathyush Katarpu

AM

prathi.katarpu@nfp.com

512-697-6293

RG

Reddy, Ginne

Ginne Reddy

ginne.reddy@nfp.com

342-423-9234

RA

Ronald Armstead

AM

ronald.armstead@nfp.com

212-301-4000

RP

Rupalee Patil

ATM

rupalee.patil@nfp.com

212-301-4000

ContactImage

Suhail, Muhammed

muhammed.suhail@nfp.com

212-301-4000

Additional Contacts

ContactImage

contact

sales

test@gmail.com

84239439042309423