MEDICAL/RX
UnitedHealthcare 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 Cigna to UnitedHealthcare. 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 myuhc.com website below.
DENTAL
BCCLT''s dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Paramount 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 Paramount 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
BCCLT offers vision coverage through VSP 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 VSP Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the VSP website below.
LIFE & DISABILITY
BCCLT provides you with Basic & Voluntary Life/AD&D coverage as well as Short- and Long-Term Disability through Reliance Matrix.
Basic Life/AD&D
Employees working [30 or more] hours per week are eligible for 2x annual salary coverage up to $50,000 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.
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 Reliance Matrix pays 60% of your income to a maximum of $1500 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 3 month elimination period are equal to 60% of covered monthly earnings up to $5,000 for full-time employees.
Please review the benefit summaries for additional details.
RETIREMENT PLAN
BCCLT provides you with a retirement plan for you to save money in, tax-deferred, to help you plan a successful retirement. It's important for you to know the facts about your plan, so you can maximize its savings potential. Click the link below to see what essentials you need to know about your retirement plan.