Who is eligible for benefits?
Regular full-time employees and employees working 30 hours per week or more are eligible to participate in the benefit plans.
Who are my legal dependents?
- Your legal spouse
- Your children (up to age 26) including natural, step, legally adopted/placed for adoption, and children for whom you serve as legal guardian
- Disabled dependent children (any age)
When does my coverage start?
Your Medical, Dental, and Vision coverage becomes effective on your date of hire.
The employer-paid Life Insurance and Disability coverage becomes effective after you have worked for 90 days.
Qualifying Life Events
You can modify your elections under certain circumstances, called qualifying life 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 life event during the year, you may make changes to your benefits within 30 days. Contact your HR Department as soon as possible to make changes to your benefits. If you miss this special enrollment window, you will have to wait until the next annual open enrollment.
How to Enroll
To enroll in new coverage or make changes to your existing coverage, complete the enrollment forms below:
UnitedHealthcare
- Medical Benefits
- Dental Benefits
- Vision Benefits
Mutual of Omaha
- Basic Life and AD&D Insurance
- Short-Term Disability Insurance
- Long-Term Disability Insurance
Understanding Your Benefits
Medical Coverage
Medical Plan Options:
- Buy-Up Plan: Choice Plus Network - PPO $0 Deductible
- Base Plan: Choice Network - EPO $2,500/$5,000 Deductible
- Health Savings Account Plan: Choice Network- HSA EPO $2,500/$5,000 Deductible
Features:
- All plans cover a set of preventive services.
- You pay less out of pocket if you receive care from an in-network provider
Medicare Services from NFP
Considering Medicare coverage? NFP is proud to support you when it comes to Medicare and understanding your coverage options.
As trusted advisors in the individual markets for over 20 years, our team is comprised of experienced and knowledgeable agents specializing in Medicare coverage. We offer independent and individualized consultations to help you to:
- Understand your coverage options
- Determine if you are eligible for subsidies to lower your healthcare costs
- Establish a timeline for applying for coverage
- Choose a plan that fits both your lifestyle and your budget
- Find coverage that allows you to access the doctors and hospitals you want most
- Enroll in the plan that works best for you
The best part? There is never a fee for our services.
UnitedHealthcare Additional Information
Dental
Features:
- Some of the nation’s largest networks of dentists and specialists
- Both in and out-of-network coinsurance percentages are the same
- Affordable costs, no claim forms to fill out, no balance billing (for covered services) when using a network dentist
Vision
Features:
- Some of the nation’s largest networks of vision providers
- Special Discounts for specialized services (see benefit summary discount section)
- Always identify yourself as a UnitedHealthcare Vision member when making your appointments.
Vision Benefit Summary
Life AD&D
Life and AD&D Benefits - $25,000
Life and AD & D (Accidental Death and Dismemberment) Insurance can provide your dependents with a lifetime of financial security, and upon your death, can be used to pay off your debts (such as credit cards, mortgages, or other expenses) for your family.
Short-Term Disability
Short Term Disability kicks in 0 days for an accident and 7 days for an illness: 60% to $1000 per week
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 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.
Long-Term Disability
This coverage pays a monthly benefit if you have a covered illness or injury and cannot work for a few months or longer.
Long Term Disability pays 60% to $3000 per month
You are generally considered disabled if you are unable to do important parts of your job - and your income suffers as a result.
Contacts
You have dedicated agents ready to handle any situation in a discreet and confidential manner. Contact us for questions and needs such as:
- Understanding your medical, dental, or vision coverage
- Help finding in-network providers
- Assistance with prescription or pharmacy issues
- Questions regarding bills you receive from your doctor, hospital, dentist, optometrist, or lab
- Claims you believe haven’t been paid properly
Client Contacts
Carrie Wilkes
hr@cullenconstructioninc.com
(262) 989-0057
Seth Habben
seth@cullenconstructioninc.com
(484) 598-3372
Account Team Contacts
Michelle Ruff
Producer / Sales Consultant
michelle.ruff@nfp.com
724-940-9404