Table of Content
- Header
-
Page
- Welcome
- Overview
- Enrollment
- Medical
- Wellness Programs
- Dental
- Vision
- Life and AD&D
- Voluntary Life and AD&D
- Disability
- HSA
- FSA
- Voluntary Options
- Plan Details
- Contact Us
- Footer
Welcome
Helping you and your family reach and maintain good health is very important to us. Arthur Chapman 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 Arthur Chapman. When you enroll in the benefits program, you may also cover your eligible dependents. 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.
Overview
Arthur Chapman remains committed to providing a competitive, cost-effective benefit program.
Please review your 2022 Benefits Guide for information on all of your benefits.
Enrollment
We are pleased to offer our employees an easy to use, online enrollment tool called Ease. Please use the link below to access your new hire enrollment.
The benefit choices you make during your initial 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.
Refer to your 2022 Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
Medical
Arthur Chapman offers two medical plans - the $1,500 Deductible plan with HRA and the $3,000 Deductible plan with HSA - both plans are available through Blue Cross Blue Shield of Minnesota. The medical plans offered to Arthur Chapman employees utilizes the Aware Network which is an open access provider network through Blue Cross Blue Shield of Minnesota (BCBS of MN).
Both plans include prescription drug coverage. Be sure to check the provider websites to find doctors, use the tools and get the latest information.
Find a participating provider
- Visit the Blue Cross Blue Shield of Minnesota website using the link below
- Click on "Find a Doctor or Rx"
- Either login, or continue to search as quest
- Type in Aware or your group number where it says "Pick a Network or Group"
- Enter doctor's name, clinic, specialty or condition and hit enter to find a doctor
- Or, call customer services at 651-662-8000
Health Reimbursement Account (HRA) Contributions
The HRA is employer-funded and available to you only while employed at the Firm and enrolled in the Firm’s BCBS HRA medical plan. Your HRA funds offset deductible expenses only. The funds are automatically applied to your deductible expenses by Further and paid directly to your provider. You do not need to file a claim to utilize HRA funds. Unused HRA funds will carry-over to the following plan year, but your funds will not exceed the plan year deductible maximum of $1,500 single and $3,000 family.
Doctor On Demand
With Doctor On Demand, Board-certified doctors are available 24/7, 365 days a year to treat many common medical conditions. You can also schedule next-day appointments to see licensed psychologists and psychiatrists between the hours of 7 a.m. to 10 p.m., local time.
Doctor On Demand services include treatment for common medical conditions such as:
- Cold & flu
- Sore throat
- Skin issues/rashes
- Abdominal pain
- Allergies
- Travel illness
- Ear infection
- Migraines
Preferred Provider Organization (PPO) Overview
Preferred Provider Organization (PPO) Overview
High Deductible Health Plan (HDHP) Overview
High Deductible Health Plan (HDHP) Overview
Wellness Programs
Omada:
- Weight Loss & Overall Health Program
- Diabetes Program
Sharecare
- Sharecare is a digital health solution that helps you manage all of your health in one place. You'll get tools, insights and information that can help you improve your health and live your healthiest life.
- Discover your RealAge
- Get personalized info
- Track your health habits, and much more!
Blue365
- Save when you shop Blue365. Exclusively for you, as part of your BCBSMN health plan.
- With Blue365, you get great deals on products and services that complement your health. Save on personal care, fitness gear, hearing and vision, healthy meal kits and more.
Wellness Challenges
- There are quarterly wellness challenges that are offered to employees! Check out the flyer below for details on each challenge.
Dental
Arthur Chapman's dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Delta Dental 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.
Find A Provider
- Login to Delta Dental MN (link below)
- Click on Members
- Click on Find a Dentist
- Enter in your zip and choose the PPO & Premier Networks
- You may also call customer service at 1-800-553-9536
Dental Insurance Overview
Dental Insurance Overview
Vision
Arthur Chapman offers vision coverage through Superior Vision 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 Superior Vision Network. Review your coverage details in your benefit guide.
To find out if your provider is in-network, please visit Superior Vision website below.
Vision Insurance Overview
Vision Insurance Overview
Life and AD&D
Arthur Chapman provides you with Basic & Life/AD&D coverage through Unum at no cost to you.
Employees working 30 or more hours per week are eligible for 1.5x your annual salary to a maximum of $300,000 in group life and accidental death and dismemberment (AD&D) insurance. Arthur Chapman pays for the full cost of this benefit - meaning you are not responsible for paying any monthly premiums.
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 divorce or birth of a child.
Overview of Life Insurance
Overview of Life Insurance Video
Overview of Life Insurance
Overview of Life Insurance Vid ...
Voluntary Life and 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.
Employee
- Available in $10,000 increments with a maximum of $100,000 or 5x your basic annual earnings.
- Guarantee issue of $100,000
Spouse
- Available in $10,000 increments with a maximum of $100,000.
- Guarantee issue of $30,000.
Dependent Child(ren)
- Birth to 6 months: $1,000
- 6 months to age 19 or 26 is Full-Time Student: $10,000
Disability
Arthur Chapman provides you with Short Term and Long Term Disability coverage through Unum at no cost to you.
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. You are eligible for short term disability following 1 year of employment.
Benefits
- Coverage Amount: 60% of your weekly earnings
- Maximum Weekly Benefit: $500/week
- Elimination Period: 14 days
- Maximum Duration: 11 weeks
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
- Coverage Amount: 60% of your monthly earnings
- Maximum Monthly Benefit: $10,000
- Elimination Period: 90 days
- Maximum Duration: 2-year own occupation or 20% earnings loss
Please consult your Employee Benefits Guide and review the plan SBCs for additional details.
Disability Insurance Overview
Disability Insurance Overview
HSA
If you have enrolled in the Aware $3,000 High Deductible Health plan with HSA, you may be eligible to open a Health Savings Account (HSA) through Superior USA. Health Savings Accounts are a great way to save money and pay for qualified medical expenses.
HSA's are tax-advantaged savings accounts that accompany high deductible health plans (HDHPs). HDHPs offer lower monthly premiums in exchange for a higher deductible (the amount you pay before insurance kicks in).
What are the benefits of an HSA?
- It saves you money. HDHPs have lower monthly premiums, meaning less money is being taken out of your paycheck.
- It is portable. The money in your HSA is carried over from year to year and is yours to keep, even if you leave the company.
- It is a tax-saver. HSA contributions are made with pre-tax dollars. Since your taxable income is decreased by your contributions, you'll pay less in taxes.
Important HSA Rules
To be eligible for our HSA, you must be enrolled in a High Deductible Health Plan through Arthur Chapman. In addition, in order to contribute, you must NOT:
- Be claimed as a dependent on someone else's tax return.
- Have other health plan coverage that provides benefits covered under the HDHP Plan (for example, a Health Care Flexible Spending Account, a separate prescription drug plan or a spouse's non-HDHP plan).
- Have a spouse with a Health Care Flexible Spending Account that could reimburse your medical expenses.
- Be enrolled in a government health plan, such as Medicare or Medicaid.
- You must re-enroll in your HSA each year during open enrollment to participate in the plan.
If you are age 55 or older you may make an additional "catch-up" contribution of $1,000.
Your contributions into your Health Savings Account can be changed at any time in Ease. To access your online account or review/change your beneficiary, be sure to visit to link below.
Contributions
Health Savings Account (HSA) Overview
Health Savings Account (HSA) Overview
FSA
Flexible Spending Accounts (FSAs) are voluntary accounts that allow you to set aside pre-tax money for certain health and dependent care expenses. These are separate accounts with separate purposes, and therefore the money in one account cannot be used to satisfy expenses in the other. As an Arthur Chapman employee, you can choose to participate in one or all of these accounts depending on your needs. The Flexible Spending plan is administered by Superior USA Benefits.
When you establish an FSA, you will be able to choose the annual amount you want to contribute to the account, up to certain plan limits. This amount is deducted from your paycheck in equal installments before Federal Security taxes are withheld. FSAs are a great way to save money, but keep in mind, they are "use it or lose it" provisions for each account, which means you will forfeit any balance that is left in your FSA at the end of the year.
You do not have to be enrolled in the Firm's medical, dental or vision plans to be eligible to participate in the FSA, however, if you are enrolled in the HRA medical plan through the Firm be sure to factor the employer-fund HRA dollars when estimating how much pre-tax dollars should be set aside.
Health Care Flexible Spending Account
Employees who are enrolled in the $1,500 deductible plan and not enrolled in a Health Savings Account (HSA) or High Deductible Health Plan (HDHP) may participate in the Health Care Flexible Spending Account.
You can elect up to $2,850 in the Health Care Flexible Spending Account for 2022. You can use this money to pay for eligible medical, dental, and vision expenses you or your dependents incur during the plan year.
Limited Health Care Flexible Spending Account
The Limited Health Care Flexible Spending Account is for all employees who contribute, or have a spouse who is contributing to a Health Savings Account or High Deductible Health Plan (includes expenses for dental, orthodontic and vision care only).
You can elect up to $2,850 in the Limited Health Care Flexible Spending Account for 2022.
Dependent Care Flexible Spending Account
This annual maximum applies to all contributions made by you and your spouse to a dependent care account. You can be reimbursed for any daycare expenses you have in a plan year if the expenses are necessary to allow you and your spouse to work.
Eligible expenses may include:
- Before and after school programs
- Daycare
- Nursery school
- Summer day camps
The maximum amount you can contribute to the Dependent Care FSA is $5,000 per year (or $2,500 if married and filing separately).
Flexible Spending Account (FSA) Overview
Flexible Spending Account (FSA) Overview
Voluntary Options
Arthur Chapman provides eligible employees with the opportunity to participate in a variety of voluntary benefits.
Accident Insurance
Accident insurance can pay you money based on the injury and the treatment you receive, whether it’s a simple sprain or something more serious, like an injury from a car accident. The Accident Insurance Plan can pay you a benefit for an emergency room treatment, stitches, crutches, injury-related surgery and a list of other accident-related expenses. You can also purchase coverage for your spouse and dependent children. This plan includes a $50 wellness benefit per insured, per year.
Critical Illness
Critical Illness, including cancer, impacts so many lives. Critical Illness pays a lump-sum cash benefit that can help with expenses if you or a covered family member is diagnosed with a covered condition which includes:
- Heart Attack
- Major organ failure
- End-stage kidney failure
- Benign brain tumor
- Coronary artery bypass surgery (pays 25% of lump sum)
- Invasive cancer
- Stroke
- Paralysis
This plan also includes a $50 wellness benefit per insurance, per year. The plan has a 12/12 pre-existing limitation. Lookback period is 12 months and must be treatment free for 12 consecutive months.
Hospital Insurance
Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits you’re admitted the hospital for a covered accident, illness or childbirth. Coverage includes:
- $1,500 for each covered hospital admission - once per year
- $100 for each day of your covered hospital stay, up to 60 days
You can also purchase coverage for your spouse and dependent children.
Pet Insurance
Arthur Chapman knows that pets are important members of many families. Please reference the flier in Ease for more details.
To begin, enroll at Petbest.com/ACKSPPET or call 888-984-8700
Reference Discount Code: ACKSPPET
Identity Theft
Arthur Chapman offers you the opportunity to enroll in an Identity Theft Protection plan through IDShield.
The IDShield membership includes:
- Privacy monitoring: Name, SSN, date of birth, email address, phone numbers, drivers license and passport numbers along with your medical ID numbers.
- Security Monitoring: SSN, credit cards and bank account monitoring, sex offender search, financial activity alerts and quarterly credit score tracking.
- Consultation: Includes 24/7/365 life support for covered emergencies, unlimited counseling, alerts and data breach notifications.
- Full Service Restoration: Complete identity recovery services by Kroll Licensed Private Investigators, it will restore your identity to its pre-theft status.
The IDShield covers the employee and their family. A family rate covers the spouse and up to 8 dependents up to the age of 18.
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Client Contacts
Debbie Piche
dlpiche@arthurchapman.com
612-375-5995