Employee Benefits 2022

WELCOME

Helping you and your family reach and maintain good health is very important to us. Children's Advocacy Centers of Texas 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 Children's Advocacy Centers of Texas. When you enroll in the benefits program, you may also cover your eligible dependents.

ENROLLMENT

How To Enroll In Benefits

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 must report the event to Human Resources within 30 days.

EMPLOYEE ELIGIBILITY

You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective the 1st of the month following your date of hire.

ENROLLMENT THROUGH EASE

All team members have access to our online benefits enrollment platform 24/7 where you have the ability to enroll, select or change your benefits online during the annual open enrollment period, new hire orientation, and for qualifying events.

Accessible 24/7;
View all benefit plan options and your elections;
View important carrier forms and links;
Report a qualifying life event; and
Make changes to beneficiary designations and more.

To enroll or view your benefits, select the Ease link below.

MEDICAL

United HealthCare

We have two medical plan options through United HealthCare. See summaries and links below for more information.

How do I find an In-Network Provider?

In-Network providers can be found on your provider’s website (myuhc.com) under “Find a Doctor”. Select Employer and choose Doctor by Type, Doctor by Name or Health Facilities.

Did You Know?

Preventive Services are covered at 100% In-Network and copays & deductibles do not apply.
You pay less out of pocket if you receive care from an In-Network provider.

You can view the recorded presentation by clicking the link below.

FSA

Flexible Spending Account (FSA) Administered by WEX

HEALTH CARE FSA

MAXIMUM ANNUAL CONTRIBUTION | $2,850

All eligible health care expenses – such as deductibles, medical and prescription copays, dental expenses, and vision expenses – can be reimbursed from your general purpose FSA account.

HERE’S HOW IT WORKS

An employee earning $30,000 elects to place $1,000 into a Health Care FSA. The payroll deduction is $110.42 based on a 24 pay period schedule. As a result, the insurance premiums and health care expenses are paid with tax-free dollars, giving the employee a tax savings of $574.

DEPENDENT CARE FSA

The Dependent Care FSA allows you to pay for eligible dependent care expenses with tax-free dollars so that you and your spouse can work or attend school FT.

Unlike the Health Care FSA, funds in a Dependent Care FSA are only available once they have been deposited into your account and you cannot use the funds ahead of time.

You may set aside up to $5,000 annually in pre-tax dollars, or $2,500 if you are married and file taxes separately from your spouse.
If you participate in a Dependent Care FSA, you cannot apply the same expenses for a dependent care tax credit when you file your income taxes.

IMPORTANT: PAYING FOR ELIGIBLE SERVICES & EXPENSES

Visit the FSA Store at www.FSAstore.com, where you can purchase FSA-eligible products without a prescription online.

Although you do not need to file for reimbursement when using your FSA debit card, you may be required to submit documentation, so be sure to save your receipts.

If you use a personal form of payment to pay for eligible expenses out-of-pocket, you can submit an FSA claim form along with your original receipts for reimbursement.

A full list of qualified expenses can be found in IRS Publication 502 at www.irs.gov.

HRA

Health Reimbursement Arrangement (HRA) Administered by WEX

A Health Reimbursement Arrangement (HRA) is a benefit provided by your employer that sets money aside for you to spend on eligible healthcare expenses.

The HRA will reimburse 100% of deductible expense, coinsurance expenses, and prescription deductible and medication expenses, up to $3,000. Medical copays are not reimbursable.

You can download the mobile app at on Google Play and the Apple Store.

DENTAL

Principal Dental

You may select the dentist of your choice. However when you visit a participating in-network dentist, you will have lower out- of-pocket costs, no balance billing, and claims will be submitted by your dentist on your behalf. When you receive care from an out of network provider, benefits will be based on the 90^thpercentile of usual and customary charges.

PRE-TREATMENT ESTIMATE

If your dental care is extensive and you want to plan ahead for the cost, you can ask your dentist to submit a pre-treatment estimate. While it is not a guarantee of payment, a pre-treatment estimate can help you predict your out-of-pocket costs.

How do I find an In-Network Provider?

This dental plan offers deeper discounts when you visit a provider that is In-Network. In-Network providers can be found by selecting the link below. Choose "Search for a dentist" and then enter your zip code.

VISION

Principal 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

Under this plan, you may use the eye care professional of your choice. However, when you visit a participating in-network provider, you receive higher levels of coverage. If you choose to receive services from an out-of-network provider, you will be required to pay that provider at the time of service and submit a claim form for reimbursement. Your Principal plan uses the VSP network.

To find out if your provider is in-network, please visit the link below or you may call member services at 800-877-7195.

LIFE AND AD&D

Life offered through Principal

Group Life

Life insurance is an important part of your financial security as it helps protect your family from financial risk and sudden loss of income in the event of your death. AD&D (Accidental Death & Dismemberment) insurance is equal to your Life benefit in the event of your death being a result of an accident, and may pay benefits for particular injuries sustained.

Basic Life / AD&D insurance is a company paid benefit, provided to you at no cost. Coverage is with Principal and will be 1 x salary up to $50,000. Keep in mind, your life insurance will reduce to 65% of the original amount at age 65 and 50% of the original amount at age 70.

Supplemental Life

In addition to your employer provided Basic Life insurance coverage, you have the opportunity to enroll in voluntary/optional/supplemental Life insurance coverage.

Coverage is also available for your spouse and/or child dependents, however, It is required that you elect coverage for yourself in order to elect coverage for your dependents. See summary for details.

*Guaranteed Issue (GI) and Evidence of Insurability (EOI)

When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI).

Any amount elected over the GI will require EOI. If you elect optional life coverage and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.

BENEFICIARY

It’s very important to designate beneficiaries. Taking a few minutes to designate your beneficiaries now will help ensure that your assets will be distributed according to your direction.

DISABILITY

Disability offered Through Principal

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.

This employer paid 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.

Elimination Period - Benefits begin after 15 days of an accident or illness.

Benefit Duration - Payments may last up to 12 weeks (You must be sick or disabled for the duration of the waiting period before you acan recieve a benefit payment.)

Coverage Amount - Covers 60% of your weekly income, up to a maximum benefit of $1,000 per week.

Pre-existing Condition - Does not apply if you haven’t been seen by a doctor or prescribed medication for an injury or sickness in the last 6 months or if your disability happens after 24 consecutive months of coverage. If you had symptoms during the preceding 6 months that would cause a reasonable person to seek a diagnosis, care or treatment, that may be pre-existing condition.

Long-Term Disability

Serious illnesses or accidents can interrupt your life, and your ability to work for months – even years. Long Term Disability is provided to full time eligible employees at no cost to you.

Elimination Period - Benefits begin after 90 days of an accident or illness.

Benefit Duration - Until you can return to work or until Social Security Normal Retirement Age

Coverage Amount - Covers 60% of your monthly income, up to a maximum benefit of $5,000 per month.

Pre-existing Condition - Does not apply if you haven’t been seen by a doctor or prescribed medication for an injury or sickness in the last 6 months or if your disability happens after 12 consecutive months of coverage. If you had symptoms during the preceding 6 months that would cause a reasonable person to seek a diagnosis, care or treatment, that may be pre-existing condition.

UNDERSTANDING YOUR BENEFITS

Children's Advocacy Center of Austin

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