MESSAGE FROM HUMAN RESOURCES
Helping you and your family reach and maintain good health is very important to Elevate Living.
Elevate Living is pleased to offer an extensive selection of benefits designed with your health and financial wellbeing in mind. We review our benefit program each year to ensure our offerings provide the best combination of benefit coverage, network access and affordability.
Eligibility
You are eligible to participate in the Benefit Program if you are a full-time employee or benefit eligible part-time employee scheduled to work at least 30 hours per week.
Coverage for most lines of coverage will begin on the 1st of the month following your date of hire. Please note, the disability plan has a different waiting period. Please refer to these sections in the booklet for additional details regarding when coverage begins for those benefits.
OVERVIEW OF BENEFITS
Elevate Living remains committed to providing a competitive, cost-effective benefit program. Please review your 2022 Elevate Living Employee Benefits Guide for information on all of your benefits.
ENROLLMENT
Action Required:
Read the information provided and review your benefit options carefully. Enrollment must be completed in UKG within 30 days of your hire/eligibility date.
Dependents
When you enroll yourself in the benefit program, you may also choose to enroll your eligible dependents for medical, dental, vision and optional life insurance coverage.
Eligible dependents include:
- Legally married spouse; this does not include a common law spouse or an ex-spouse.
- Your (or your spouse’s) natural child, legally adopted child, stepchildren living with you, or children for whom you or your spouse is legal guardian and who are less than 26 years of age.
- Unmarried children incapable of self-support because of a total physical or mental disability (please see HR for details).
ELECTION CHANGES
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.
Contact Human Resources if you have questions about qualifying events.
Benefit Changes During the Year
Unless you experience a qualifying life event, you cannot make changes to your benefits until the next open enrollment period. Qualifying events include things like:
- Marriage, divorce or legal separation
- Birth or adoption of a child
- Change in child’s dependent status
- Death of a spouse, child or other qualified dependent
- Change in employment status or a change in coverage under another employer-sponsored plan
MEDICAL PLAN
MEDICA
MEDICAL PLAN OVERVIEW
Elevate Living offers three medical plan options for Full-time employees. All options provide high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through Medica.
PLAN CHOICES
- Plan A: $2,500-$30-30% Copay Plan (also referred to as a PPO Plan)
- Plan B: $3,000-25% High Deductible Health Plan (HDHP)
- Plan C: $5,500-0% HSA + Rx Copays High Deductible Health Plan (HDHP)
NETWORK CHOICES
- Medica Choice Passport with United Healthcare Choice Plus Network: In the Passport network you have access to Medica's largest selection of providers in Minnesota with coverage nationally under the United Healthcare Choice Plus national provider network.
Refer to the Medica Summary of Benefits Coverage (SBC) or Summary Plan Description (SPD) for additional coverage information.
Medical Plan Summary
2022 Medical Premiums
Preferred Provider Organization (PPO) Overview
Preferred Provider Organization (PPO) Overview
High Deductible Health Plan (HDHP) Overview
High Deductible Health Plan (HDHP) Overview
Prescription Drug Benefits Overview
Prescription Drug Benefits Overview
ADDITIONAL MEDICA PLAN RESOURCES
Virtual Care (AmWell & Virtuwell)
Virtual care is a convenient way to get care for many common conditions. With a virtual care visit, you:
- Save time – avoid a trip to the doctor’s office and get care from the comfort of your home, work or wherever you are
- Initiate the visit at your convenience – no appointment needed
- Get care when you need it – visits are often available after clinic hours, sometimes even 24/7
- May save money – a virtual care visit may cost less than a regular visit to the doctor’s office, depending on your plan
For more information on Virtuwell visit www.virtuwell.com or call 1-877-440-1001.
For more information on Amwell visit www.amwell.com or call 1-800-317-5656.
Fit Choices by Medica
Motivation to hit the gym. Workout 12 times per month at a participating fitness club and you can earn up to $20 per month. That’s up to $240 a year.
To learn more about Fit Choices or to find a health club near you, go to Medica.com/FitChoices.
Employee Assistance Program
When you need help with life challenges Medica offers a toll-free hotline 24 hours a day, 365 days a year with counselors who can help resolve personal and work concerns, family problems and financial difficulties.
To talk to a counselor to help you identify, understand and cope with problems, call 1-800-626-7944.
My Health Rewards Wellness Program
My Health Rewards by Medica® is now powered by Virgin Pulse, a pioneer in digital health and wellness solutions that help you build healthy habits and live your best life. Whether you want to eat healthier, sleep more, stress less or get fit, My Health Rewards is an online tool that helps you take small steps to reach your health goals. You’ll earn points for completing activities and get rewarded on your own personal path to health. The new program has a points-based structure with four levels. You will have many different ways to earn points including tracking physical activity, learning about healthy living and much more.
Download the Virgin Pulse app or visit www.mymedica.com.
Omada for Prevention
As a Medica member you can help reduce your risk for chronic disease through Omada, a digital lifestyle change program. Omada can help you learn how to make smart food choices, discover easy ways to boost your activity and overcome challenges preventing you from getting healthier. You’ll get support and strategies to motivate you to set and reach your goals. Complete a few easy questions to determine if you are eligible to participate!
Go to omadahealth.com/medica.
24‐Hour Health Support
Trusted answers any time of day or night. Worried that your stomach bug could be serious? Wondering what to do about that cough that won’t go away? The advisors and nurses at Medica CallLink® can help. They’re available 24 hours a day, 365 days a year to answer your questions and help you make smart decisions about your health.
Call Medica CallLink® at 800-962-9497 (TTY users, call 711).
Medica Healthy Savings Program
Eating healthier just got easier! Save money on a variety of food and other healthy products with the Medica Healthy Savings program.
For more information visit www.medica.com/healthysavings or download the Health Savings app.
Tobacco Cessation
Quitting tobacco is one of the most beneficial things you can do. Medica supports you with coverage for nicotine replacement therapy, help from health care providers and one-on-one telephone counseling.
To learn more about how Medica can help you leave tobacco behind, call 1-800-934- 4824.
Sanvello
Rethink how you manage your mental health. Sanvello gives you access to clinically proven techniques based on cognitive behavioral therapy for dealing with stress, anxiety, depression or whatever else you may be going through. From coping tools to meditations to Guided Journeys, you'll get help to manage your moods and thoughts so you can understand what works for you to feel better.
On-Demand help for stress, anxiety and depression, download the Sanvello app to get started.
Maternity Support - Ovia
Pregnancy can be an exciting yet anxious time. You can get the information and support you need to have a safe and healthy pregnancy and beyond with our Healthy Pregnancy Program. You can sign up by phone Monday - Friday from 8:00 am to 5:00 pm.
Ready to enroll? Call 1-888-906-0958 (TTY users, call 711).
Financial Wellness - Wellthy
Managing complex care for a loved one can be stressful, time-consuming and expensive. If you or your family is caring for an aging, chronically ill or disabled family member, Wellthy can help take the burden off.
To learn more visit www.wellthy.com/.
DENTAL PLAN
LINCOLN FINANCIAL GROUP
Dental Insurance is available to Full-time employees.
In addition to protecting your smile, dental insurance helps pay for dental care and usually includes regular checkups, cleanings and X-rays. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your body—including your heart. Receiving regular dental care can protect you and your family from the high cost of dental disease and surgery.
Elevate Living’s dental insurance is through Lincoln Financial. Visit Lincoln Financials website to explore your dental options www.lfg.com or call them at 1-877-275-5462.
Dental Summary
Dental Insurance Overview Video
Dental Insurance Overview Video
VISION PLAN
SUPERIOR VISION
The Voluntary Vision plan is available to Full-time employees.
Driving to work, reading a news article and watching TV are all activities you likely perform every day. Your ability to do all of these activities depends on your vision and eye health. Vision insurance through Superior Vision can help you maintain your vision as well as detect various health problems. To find a provider near you, visit the Superior Vision website at www.superiorvision.com or call them at 1-800-507-3800.
Vision Summary
Vision Insurance Overview
Vision Insurance Overview
FLEXIBLE SPENDING ACCOUNT (FSA)
ALERUS
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.
Eligibility
Full-time: Traditional Health Care FSA, Limited Care FSA, Dependent Care 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.
You may contribute as follows:
Traditional Health Care FSA
- Employees who are enrolled in the $2,500-$30-30% HSA plan may participate in the Traditional Health Care FSA.
- The maximum amount you can contribute to the Traditional Care FSA is $2,850.
- 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
Limited Care FSA used with an HSA
- Employees who enroll in the $3,000-25% HSA plan or the $5,500-0% HSA plan may participate in the Limited Health Care FSA that allows you to use the money for dental and vision expenses only.
- The maximum amount you can contribute to the Limited Care FSA is $2,850.
- Examples of eligible health care expenses under the limited health care FSA may include:
- Deductibles and coinsurance not covered by dental or vision insurance
- Uninsured expenses such as eyeglasses, contact lenses or certain eye surgeries, orthodontics
Dependent Care FSA
- The maximum amount you can contribute to the Dependent Care FSA is $5,000 per year (or $2,500 if married and filing separately).
- 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
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. To learn more, visit the FSA carrier website.
Alerus FSA Video
Alerus FSA Video
HEALTH SAVING ACCOUNT (HSA)
OPTUM
Health Savings Accounts (HSAs) are a great way to save money and budget for qualified medical expenses. HSAs are tax-advantaged savings accounts that accompany the $3,000-25% HDHP or the $5,500-0% HDHP. 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?
There are many benefits of using an HSA, including the following:
- It is portable. The money in your HSA is carried over from year to year and is yours to keep, even is 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.
- It works for you. Once you accumulate a minimum balance of $2,000 in your account, you can choose to invest money in various funds offered by Optum Bank.
The maximum amount you can contribute to an HSA in 2022 is $3,650 for individual coverage and $7,300 for family coverage.
Additionally, if you are age 55 or older, you may make an additional “catch-up” contribution of $1,000. You may change your contribution amount at any time throughout the year as long as you don’t exceed the annual maximum.
In order to contribute to an HSA, 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
To learn more, visit the HSA carrier website at www.optumbank.com.
Health Savings Account (HSA) Overview
Health Savings Account (HSA) Overview
BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT
LINCOLN FINANCIAL GROUP
Elevate Living provides Full-time eligible employees with basic term life and accidental death and dismemberment (AD&D) coverage at no cost to you.
The life benefit is payable to your designated beneficiary in the event of your death equal to $25,000. AD&D benefits are payable to you in the event of a dismemberment or an additional benefit is payable 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.
Life/AD&D Insurance Overview
Life/AD&D Insurance Overview
VOLUNTARY LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT
LINCOLN FINANCIAL GROUP
While Elevate Living offers basic life insurance, some employees may want to purchase additional life insurance coverage to continue to provide for their dependents after their death. With voluntary life insurance through Lincoln Financial, you are responsible for paying the full cost of coverage through bi-weekly payroll deductions. You can purchase coverage for yourself, your spouse, and/or your dependent child(ren).
- Voluntary Life Insurance
- Accidental Death & Dismemberment (AD&D)
EMPLOYEE
- Available in $10,000 increments with a maximum of $500,000 or 5x's your basic annual earnings.
- Guarantee issue of $100,000, all new hires are eligible to elect coverage up to this amount without requiring evidence of insurability.
SPOUSE
- Available in $5,000 increments with a maximum of $100,000 or 50% of the employee’s election, whichever is less.
- Guarantee issue of $25,000, newly eligible spouses are eligible to elect coverage up to this amount without requiring evidence of insurability.
DEPENDENT CHILD(REN)
- Age 14 days to 6 months: Available as a flat $250 amount.
- Age 6 months to age 19: Available as a flat $20,000 amount.
- Newly eligible dependents are eligible to elect coverage up to this amount without requiring evidence of insurability.
REVIEW YOUR BENEFICIARY
Naming a beneficiary is a crucial part of electing life insurance. 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.
Voluntary Life Rates
DISABILITY
LINCOLN FINANCIAL GROUP
SHORT AND LONG TERM DISABILITY
Disability insurance provides partial income replacement in the event an eligible employee incurs an illness/ injury that keeps them out of work for at least 7 days. Elevate Living provides full-time employees with both short- and long-term disability coverage. Without disability coverage, you and your family may struggle to get by if you miss work due to an injury or illness.
At Elevate Living, we want to do everything we can to protect you and your family. That’s why we pay for the full cost of short‐term and long‐term disability insurance.
Please note that you are not eligible to receive short-term disability benefits if you are receiving workers’ compensation benefits.
Employees must work a minimum of 30 hours per week to be eligible for this benefit. Newly hired employees will have a 6 month wait period to enroll in the Short Term Disability (STD) or Long Term Disability (LTD) benefit plans.
SHORT TERM DIABILITY
- Coverage amount: 66 2/3 % of weekly salary
- Maximum weekly benefit, non-manager/nonexecutive: $600/week
- Elimination period: 7 days
- Maximum duration: 13 weeks
LONG TERM DISABILITY
- Coverage amount: 60% of your monthly salary
- Maximum monthly benefit: $6,000
- Elimination period: 90 days
- Maximum duration: normal social security retirement age or length of continued disability
Disability Insurance Overview
Disability Insurance Overview
ADDITIONAL BENEFITS FROM LINCOLN FINANCIAL
LifeKeys Services
No matter how well you plan your life, you can be sure a few unforeseen challenges will arise. When they do, it’s reassuring to know that help and support are close at hand. LifeKeys services include:
- Online will preparation—Having a will is important because it allows you to designate who will receive your property and assets when you die. Without one, your state determines how your estate is distributed. EstateGuidance® will preparation is a quick and easy way to create and execute a will.
- Information on important life matters—You have access to GuidanceResources® Online, where you’ll find information on areas that influence your life—including legal, financial, family, and career.
- Protection against identity theft—LifeKeys includes an online resource for the information you need to recognize and prevent identity theft — and restore your good name.
- Guidance and support for your beneficiaries—The LifeKeys comprehensive program offers resources to help your loved ones address a range of common concerns. Services include grief counseling, advice on financial and legal matters, and help coping with the occasional challenges of day-to-day life.
For more information visit GuidanceResources.com or by calling 1-855-891-3684.
EmployeeConnect Services
Life has its share of ups and downs — and sometimes you may need a little guidance through the “downs.” EmployeeConnectSM services included with your long-term disability insurance offers an array of confidential services to help you and your loved ones meet the challenges that life, work, and relationships can bring.
- Unlimited 24/7 assistance—You can access the following services anytime, online or with a toll-free call:
- Information, resources, and referrals on family matters, such as child and elder care; kennels and pet care; event and vacation planning; moving and relocation; car buying; college planning; and more
- Legal information and referrals for situations requiring expertise in family law, estate planning, landlord/tenant relations, consumer and civil law, and more
- Guidance with financial matters, including household budgeting, and short- and long-term planning
- In-person guidance—Some matters are best resolved by meeting with a professional in person. You get:
- In-person help for short-term issues—up to 4 sessions with a counselor per person, per issue, per year.
- In-person consultations with network lawyers, including one free 30-minute in-person consultation per legal issue, and subsequent meetings at a reduced fee.
- Online resources—offering a wide range of information and resources that you can research and access your own time.
For more information visit GuidanceResources.com or by calling 888-628-4824.
TravelConnect Services
If you have a medical emergency while you are more than 100 miles away from home, you don’t have to face it alone. With a simple phone call, you can be connected to a TravelConnect staff of medically trained, multilingual professionals who can advise you in a medical emergency, 24/7. No matter where you are in the world, your comprehensive coverage includes:
- Medical emergency evacuation and transportation
- Emergency travel arrangements and funds transfer
- Emergency travel documents assistance
- Medical and dental referrals
For a complete list of TravelConnect services visit www.mysearchlightportal.com and enter your group ID: LFGTravel123 or call toll free at (866)525-1955
COMPANY HOLIDAYS
Regular full-time employees working thirty (30) or more hours per workweek are eligible for holiday pay. Elevate Living observes the following holidays:
New Year’s Day – January 1
Memorial Day – May 30
Independence Day – July 4
Labor Day – September 5
Thanksgiving Day – November 24
Friday after Thanksgiving – November 25
Christmas Day – December 25
In general, holidays that fall on a Saturday will be observed on the preceding Friday. Holidays that fall on a Sunday will be observed the following Monday.
Non-exempt employees must work their regularly scheduled shift immediately preceding and immediately following the holiday in order to receive holiday pay.
PAID TIME OFF (PTO)
Paid Time Off (PTO) provides benefit eligible employees with a flexible bank of paid time away from work that can be used for vacation, personal time, personal illness, care for dependents, or emergency circumstances. PTO is earned on a biweekly basis immediately upon hire based on length of service as outlined in the table below.
Length of Service Annual Accrual Rate
- 0 - 4 years 15 days (120 hours)
- 5+ years 20 days (160 hours)
The accrual rates listed above are based on a forty (40) hour workweek. Employees that are scheduled to work less than 40 hours will accrue PTO on a pro-rated basis.
At any given time, employees can have a maximum of 1x their annual accrual rate in their PTO bank. Once the maximum is reached, no further PTO will be accrued.
CONTACT US
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Elevate Living's Intranet, Medica's Enrollment Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance enrolling in UKG, please contact:
Ashley Otten
(952) 373-5013
Questions? Email: aotten@elevateliving.com
Client Contacts
Ashley Otten
aotten@elevateliving.com
952-373-5013