Welcome
Helping you and your family reach and maintain good health is very important to [CLIENT NAME]. [CLIENT] is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
Eligibility
Regular employees working at least 30 hours per week are eligible to participate in benefits offered by [CLIENT NAME]. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.
Education Sessions
Join us for one of the online "live" webinars below to learn more about your benefit options. These meetings will be approximately 45 minutes long with time for Q&A.
[OPTION 1 DATE]
Time: [00:00 am/pm]
[MEETING LINK]
[OPTION 2 DATE]
Time: [00:00 am/pm]
[MEETING LINK]
If you were unable to join one of the live webinars, please click below to view a 20 minute recording of the open enrollment presentation.
Overview
As you know, [CLIENT NAME] sponsors a self-funded medical plan. This means you share in the cost of the plan through your payroll deductions, copays and coinsurance, [TPA] provides the plan administration and [CLIENT NAME] pays the claims. This year our plan ran well, meaning costs were well managed resulting in a good renewal. Some years we aren't so fortunate and increased costs must be shared. So given the personal and business challenges we have all experienced during the pandemic, we are happy to share this good news!
[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
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.
DENTAL
[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.
VISION
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.
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 plan SBCs for additional details.
FSA & HSA
The Health Care and Dependent Care Flexible Spending Accounts (FSA) and the Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an FSA or HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HEALTH CARE FSA
- You may contribute 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
- You may contribute up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
- Eligible expenses include care for your dependent child, spouse, parent or grandparent who are incapable of caring for themselves
FSA 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.
How the FSA 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.
HEALTH SAVINGS ACCOUNT (HSA)
- You may contribute up to $3,650 annually as an individual or $7,300 as a family
- You must be enrolled in a qualified HSA-eligible health plan, but you or your spouse may not participate in an FSA or Health Reimbursement Account (HRA)
How the HSA Plan Works
You may use your HSA funds to pay for eligible medical, prescription drug, dental or vision expenses. Unused funds remain in your account for future use and roll over each calendar year. You can change your HSA contribution at any time during the plan year for any reason.
ADDITIONAL 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
- Cancer Assist
- Critical Illness
- Identity Theft Protection
- Legal Shield
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 POC NAME]
888-888-8888
JANEDOE@CLIENT.COM
MEDICAL
[CARRIER/TPA NAME] 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.