Welcome
BE READY FOR ENROLLMENT
CeriFi is committed to providing our employees with a benefits program that is both comprehensive and competitive. Our benefits program offers health care, dental and vision coverage, as well as financial security to our employees and their families. This guide provides a general overview of your benefit choices and enrollment information to help you select the coverage that is right for you.
Eligibility
If you are a full-time employee working 30 hours or more per
week, the chart below lists the benefits you may be eligible for
after meeting each plan’s eligibility requirements.
DEPENDENT ELIGIBILITY
You can enroll your dependents in plans that offer dependent coverage. Eligible dependents are defined as your legal spouse or domestic partner and eligible children who reside in your household and depend primarily on you for support. This includes: your own children, legally adopted children, stepchildren, a child for whom you have been appointed legal guardian, and/or a child for whom the court has issued a Qualified Medical Child Support Order (QMCSO) requiring you or your spouse or domestic partner to provide coverage.
MEDICAL, DENTAL, AND VISION PLAN
DEPENDENT COVERAGE
You may cover your eligible dependent children up to age 26, regardless of marital or student status (this does not include spouses or domestic partners of adult children). Dependent coverage will cease for your covered dependent children at the end of the month in which an eligible dependent reaches age 26.
DOMESTIC PARTNER COVERAGE
Domestic partners are eligible to enroll as dependents in the benefit plans. You and your partner must meet specific criteria to qualify for domestic partner coverage. A domestic partnership
is different than a marriage with an individual of the same-sex. A same-sex spouse is a federal tax dependent for group health plan purposes; whereas, a domestic partner often is not. If you cover a domestic partner, a domestic partner’s child or another person who is not considered an IRS tax dependent for group health plan purposes, CeriFi is required to report income for you that reflects the value of coverage for tax-reporting purposes. This is known as imputed income. You will receive a W-2 annually for the value of coverage for any dependent who is not an IRS tax dependent.
Enrollment
New Employees
As a new employee of CeriFi, you become eligible for benefits on the first of the month following date of hire. Our benefits plan year runs from January through December.
Open Enrollment
As a benefits-eligible employee, you have the opportunity to enroll in or make changes to your benefit plans during our annual open enrollment period. Open Enrollment is usually held in November with benefit elections effective January.
Paylocity
Paylocity is CeriFi's enrollment portal. After reviewing your benefit options use the Paylocity Enrollment button below to login to elect your benefits.
Medical & Prescription Drug Benefits
Group #00656278 | 866-494-2111 | www.myCigna.com
CeriFi offers three medical plan options for full-time employees. All options provide high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, emergency care and prescription drug coverage. However, each plan has unique characteristics and advantages. The medical plans offered to CeriFi employees utilizes the Open Access Plus Network which is an open access provider network through Cigna.
PLAN CHOICES
- HSA Plan $7,500 Individual Deductible /$15,000 Family Deductible
- Open Access Plus Base Plan $3,200 Individual Deductible /$6,400 Family Deductible
- Open Access Plus Buy-Up Plan $2,500 Individual Deductible /$5,000 Family Deductible
MyCigna Portal
Once enrolled with Cigna Healthcare you can create a MyCigna account to utilize all of the features that can be found in the MyCigna app or website. To navigate to the MyCigna Healthcare login page use the MyCigna Login button below. For new users you will need to create an account with a username and password.
Refer to the Summary of Benefits Coverage (SBC) in the "Benefit Summaries" section below or the Summary Plan Description (SPD) for additional coverage information.
Medical Overview
The information above is a summary of medical coverages. Please contact Human Resources for the Cigna plan summaries detailing coverage information, limitations, and exclusions. CeriFi will be making a generous contribution to medical coverage for employees and their dependents. Any deductibles and copays shown in the chart below are amounts for which you are responsible.
NOTE: Deductibles, copays and coinsurance accumulate toward the out-of-pocket maximums. Usual, Customary and Reasonable charges apply for all out-of-network benefits.
NOTE: Your medical plan options must offer certain preventive care benefits to you in-network without cost sharing and these preventive care benefits generally are updated annually. Under the Affordable Care Act, the medical plans generally may use reasonable medical management techniques to determine frequency, method, treatment or setting for a recommended preventive care service. You may obtain a list of preventive care services at mycigna.com.
PRESCRIPTION DRUG COVERAGE
The information below is a summary of pharmacy coverages. Please contact Human Resources for the Cigna plan summaries detailing coverage information, limitations, and exclusions. CeriFi will be making a generous contribution to medical coverage for employees and their dependents. Any deductibles and copays shown in the chart below are amounts for which you are responsible.
To search for your medication tier, click on the "Medication Finder" button. Once the page is opened, select "National Preferred 4 Tier Specialty" and type your medication in the search box. Alternatively, you are able to search by first letter by selecting "View A-Z/0-9 Drug List" to the right of the search box.
Rx Overview
FIND AN IN-NETWORK PROVIDER (Cigna)
- Go to Cigna's website by clicking on Find a Cigna Provider button below.
- Enter the location to search for your provider
- Select the doctor type, doctor name, or health facility or group practice in which you would like to search for
- Select the doctor type if using that option, or type the name of the doctor or health facility/group practice then click search
- Confirm the location you live in and click continue to select your plan.
- Scroll down and select Open Access Plus, OA Plus, Choice Fund OA Plus
Cigna Wellness
CeriFi believes strongly in improving our employee's overall wellness. With your Cigna Healthcare coverage you have access to many different wellness support resources and can earn rewards earning up to $100 for completing different wellness activities. To find what resources and rewards are available you can login to your MyCigna account via their App or website.
CeriFi holds monthly wellness webinars covering a range of topics from mental health to nutrition. If you are interested in attending the monthly webinar please look for calendar invitations sent by CeriFi's Human Resources department.
Employee Assistance Program (EAP)
Website: HealthAdvocate.com/CeriFi
Phone Number: 1-866-695-8622
Health Advocate offers CeriFi employees a wide range of services including mental health counseling, billing dispute resolution, and healthcare navigation services. You can reach out to Health Advocate using their phone number provided above, using their website or App, or by email at answers@HealthAdvocate.com.
- Expert help for a variety of health and well-being issues, available 24/7 in any language.
- Unlimited access for employees, their spouse/partner, dependents, parents, and parents-in-law.
- Hands-on support from benefits experts, claims specialists, medical directors, registered nurses, wellness coaches, licensed counselors, case managers, social workers, and research associates.
- Interactive website and mobile app to open a Health Advocate case, message experts directly, view personalized health alerts, upload and sign forms, and watch webinars and videos.
- Support for balancing work/life, including assistance with legal and financial issues, parenting, childcare, eldercare, life transitions, identity theft, grief and loss, relationship issues, stress, anxiety, depression, and substance abuse.
Health Savings Account (HSA)
1-800-791-9361 | www.optumbank.com
If you enroll in the Cigna HSA Open Access plan, you’ll have access to an HSA through Optum Bank. You can think of your HSA as a personal savings account for your health care expenses, with some impressive tax advantages. Whatever you don’t use rolls over for future years and in some circumstances may be invested. CeriFi will contribute up to $2,000 a year provided you complete a qualified wellness activity prior to July 1st.
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 Cigna HSA Open Access Plus Plan.
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 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.
- 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.
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
Flexible Spending Account (FSA)
1-866-323-2363 | www.benefitalt.com
FSAs help you save money by allowing you to pay for certain types of health care and dependent care expenses on a pre-tax basis. You decide how much money to put aside each payday to cover these expenses up to the maximum. This amount is then deducted from your pay before taxes and deposited into your FSA. When you need money to cover an eligible expense, you can get reimbursed using a variety of reimbursement methods. Remember to always keep your receipts.
NOTE: Your maximum contribution to the Health Care Spending Account will be limited to $3,300. The maximum for the Dependent Care Spending Account is $5,000.
IMPORTANT: USE IT OR LOSE IT!
According to IRS rules, any money remaining in a Health Care or Dependent Care Spending Account after the deadline for filing claims will be forfeited. If you have money left in your Health Care FSA at the end of 2024, you may carry over up to $660 for use in 2025. The money you carry over doesn’t count against the IRS annual contribution maximum, which means you can start the year with an amount greater than the IRS limit in your Health Care FSA. You can use the amount throughout the 2025 plan year. This rule applies each subsequent calendar year. This does not apply to the Dependent Care FSA.
Dental
Group #00656278 | 1-800-275-4638 | MyCigna.com
CeriFi offers dental coverage through a plan administered by Cigna.
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.
Please refer to your dental benefit summary below in the "Benefit Summaries" section, for an entire list of covered services, limitations and frequencies.
Cigna Dental Overview
Dental coverage is key to your overall health. CeriFi offers Dental coverage through Cigna. Review the details about the plan carefully so you can determine if the plan meets your needs. Your dental plan offers choices that cover four main types of expenses:
• Preventive and diagnostic services like routine exams and cleanings, fluoride treatments, sealants, and x-rays
• Basic services such as simple fillings and extractions, Periodontics and Endodontics
• Major services such as crowns and dentures
• Orthodontia
FIND A Cigna Dentist
- Go to Cigna's website by clicking on the "Find a Dentist" button below.
- Enter the location to search for your dental provider
- Select the doctor type, doctor name, or health facility or group practice in which you would like to search for your dentist or dental practice
- Enter the type of dentist, or type the name of the dentist or group practice then click search
- Confirm the location you live in and click continue to select your plan.
- Scroll down to find the DPPO/EP section and select "Total" then click the choose button
Vision
Group #5000182 | 1-866-804-0982 | www.eyemedvisoncare.com
CeriFi offers employees vision coverage through EyeMed that includes coverage for eye exams and eyeglasses or contact lenses.
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 Carrier can help you maintain your vision as well as detect various health problems.
Please refer to your vision benefit summary below in the "Benefit Summaries" section, for an entire list of covered services, limitations and frequencies.
Vision Benefits
Vision Benefits Overview
FIND AN IN-NETWORK EyeMed PROVIDER
To see if your provider is in-network, or to find a new one click on the Find an EyeMed Provider button Below.
- Click on the "Find an EyeMed Provider" button below
- Under the Network dropdown select "Insight Network" and select either "Use My Location" or enter your zip code then click "Search By Zip"
- All In-Network EyeMed providers will be listed
- If you toggle the "Sort by PLUS Providers" option you can find Plus Providers for extra savings
Voluntary Benefits
ACCIDENT INSURANCE
Major injuries are painful. But the financial impact of the medical treatment doesn’t have to be. Accident insurance pays benefits directly to you if you suffer a covered injury such as a fracture, burn, ligament damage, or concussion. Benefits are paid even if you have other coverage. The benefit amount is calculated based on the type of injury, its severity, and the medical services required in treatment and recovery. The plan covers a wide variety of injuries and accident-related expenses, including:
• Injury treatment (fractures, dislocations,
concussions, burns, lacerations, etc.)
• Hospitalization
• Physical therapy
• Emergency room treatment
• Transportation
PLAN FEATURES
• Guaranteed Acceptance: There are no health questions or physical exams required.
• Family Coverage: You can elect to cover your spouse/domestic partner and children.*
• 24/7 Coverage: Benefits are paid for accidents that happen on and off the job.
• Portable Coverage: You may be able to take your policy with you if you change jobs or retire.
*If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age
limit or no longer otherwise meet the definition of a dependent child. If you elect coverage for your spouse, you must provide notification to your employer if your spouse no
longer meets the definition of a spouse.
NOTE: This plan is not a replacement for medical insurance.
CRITICAL ILLNESS INSURANCE
You can protect yourself from the unexpected costs of a serious illness. Even the most generous medical plan does not cover all of the expenses of a serious medical condition like a heart attack or cancer. Critical illness insurance pays a full lump sum benefit directly to you if you are diagnosed with a covered illness that meets the plan criteria. The benefit is paid in addition to any other insurance coverage you may have.
Covered Illnesses Include:
• Heart attack
• Stroke
• Cancer
• Major organ transplant
• End stage renal (kidney) failure
• Coronary artery bypass surgery*
• COVID-19*
Plan Features
• You do not have to be terminally ill to receive benefits.
• Coverage options are available for your spouse/domestic partner and children as riders to your coverage.**
• Coverage is portable — you can take your policy with you if you change jobs or retire. The cost of the benefit will vary depending upon factors such as your age, whether you use tobacco, and the dependent coverage you choose.
*The coverage pays 25% of the face amount of the policy once per lifetime for coronary bypass surgery and COVID-19.
**If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age
limit or no longer otherwise meet the definition of a dependent child. If you elect coverage for your spouse, you must provide notification to your employer if your spouse no
longer meets the definition of a spouse.
NOTE: This plan is not a replacement for medical insurance.
HOSPITAL INDEMNITY INSURANCE
Receive payments to help cover the cost of a hospital stay. If you are admitted into a hospital, it doesn’t take long for the out-of-pocket costs to add up. Hospital indemnity insurance pays benefits directly to you if you are admitted into a hospital for care or childbirth. Benefits are paid even if you have other coverage. You receive a benefit as soon as you are admitted and then an additional benefit based on the number of days you are confined to the hospital. The benefit increases if you are admitted and confined to an intensive care unit or inpatient rehabilitation.
PLAN FEATURES
• Guaranteed Acceptance: There are no health questions or physical exams required.
• Family Coverage: You can elect to cover your spouse/domestic partner and children.*
• Payroll Deduction: Premiums are paid through convenient payroll deductions.
• Portable Coverage: You may be able to take your policy with you if you change jobs or retire.
*If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age limit or no longer otherwise meet the definition of a dependent child. If you elect coverage for your spouse, you must provide notification to your employer if your spouse no longer meets the definition of a spouse.
NOTE: This plan is not a replacement for medical insurance.
Life and Accidental Death and Dismemberment
Group#GLUGBTZ3
Life and AD&D Phone: 1-800-775-8805
BASIC LIFE AND AD&D
CeriFi provides eligible employees with $20,000 in basic life accidental death and dismemberment (AD&D) insurance administered by Mutual of Omaha.
CeriFi pays for the full cost of this benefit—meaning you are not responsible for paying any monthly premiums.
VOLUNTARY LIFE AND AD&D
While CeriFi offers basic life insurance, you have the option to purchase additional life insurance coverage for you, your spouse, and your child(ren). With voluntary life and accidental death and dismemberment (AD&D) insurance through Mutual of Omaha, you are responsible for paying the full cost of coverage through payroll deductions.
You must elect coverage for yourself in order to elect coverage for your spouse and dependent children.
EMPLOYEE
- Available in $10,000 increments up to 5x's your basic annual earnings not to exceed $500,000
- Guarantee issue of 5 times your annual salary up to $100,000
SPOUSE
- Available up to 100% of employee's benefit, up to $250,000
- Guarantee issue of 100% of employees benefit up to $30,000
DEPENDENT CHILD(REN)
- Available up to 100% of employee's benefit with a maximum of $10,000
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.
Please refer to your benefit summary below in the "Benefit Summaries" section for additional details.
Long Term and Short Term Disability
Group#GLUGBTZ3
Short Term and Long Term Disability Phone: 1-800- 877-5176
Disability benefits replace a portion of your pay if a non-work-related illness or injury prevents you from doing your job for a long period of time.
SHORT TERM DISABILITY (STD)
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. Benefits begin on the 22nd day of an injury or accident and are equal to 60% of covered monthly earnings up to a maximum of $2,500 per week.
LONG TERM DISABILITY (LTD)
At CeriFi, we want to do everything we can to protect you and your family. That’s why CeriFi pays for the full cost of long term disability insurance. 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 90-day elimination period are equal to 60% of covered monthly earnings up to $10,000 for full-time employees, and will continue for the length of your disability or until you reach retirement age.
Please refer to your short term and long term disability benefit summary below in the "Benefit Summaries" section for additional details.
401(k) Plan
Phone: 1-800-584-6001 | www.VoyaRetirementPlans.com
The CeriFi 401(k) retirement plan is a powerful way to build your retirement savings. All employees who are at least 21 years old and have completed 6 months of service with CeriFi is eligible in our 401 (k) Plan. Enrollment is measured from your date of hire, provided that you are an eligible employee at the end of that period. CeriFi will contribute a matching contribution to your Safe Harbor Matching Contribution Account in an amount equal to 100% of the Matched Employee Contributions that are not in excess of 4% of your Plan Compensation. Matching contributions will be allocated to the Safe Harbor Matching Contribution Accounts of Participants as soon as administratively feasible after the end of the Plan Year.
BEST PRACTICES TO CONSIDER
- The impact of an early start. Your decision to start today could give you quite a bit more at retirement than starting five years from now.
- Contribute as much as you can. That amount can take you a long way toward reaching your financial goals.
- Do what you can afford. Start at a number that feels comfortable to you. You can always change it later. The important thing is to invest what you can afford and start right away.
- Invest more in your plan, pay less in taxes. Your pretax contributions come out of your pay before income taxes are taken out. You can actually lower your current taxes by investing in the plan today.
Benefit Summaries
Medical
Benefit Summaries for the Cigna HSA Open Access Plus Plan, Cigna Open Access Plus Base Plan, and Open Access Plus Buy Up Plan can be found in the section. These benefit summaries include information about your medical and prescription coverages.
The benefit summary for Cigna Dental Plan can be found in this section.
The benefit summary for the EyeMed Vision Plan can be found in this section.
Voluntary Benefits
In this section you will find the benefit summaries for Cigna Accident, Cigna Hospital Indemnity, and Cigna Critical Illness voluntary plans.
Contact Us
