Welcome

Helping you and your family reach and maintain good health is very important to Derek, Inc. Derek, Inc. 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 Derek, Inc. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.



Administrative Cover Page

Administrative Cover Page

Overview

Derek, Inc. remains committed to providing a competitive, cost-effective benefit program.

Please review and sign your 2022 Derek, Inc. Annual Notices.

Annual Notices

Annual Notices

Benefits Notices

Benefits Notices

ERISA

ERISA

Enrollment

How To Enroll In Benefits

Action Required:


All elections must be submitted by 01/30/2022. The benefits you elect during open enrollment will be effective from 01/01/2022-12/31/2022.


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 or 60 days if the event is due to birth or adoption of a child.


Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.

Medical Mutual of Ohio Enrollment and Change Form

Medical Mutual of Ohio Enrollment and Change Form

Dental Care Plus Enrollment Form

Dental Care Plus Enrollment Form

Dental Care Plus Change Form

Dental Care Plus Change Form

Reliance Standard Enrollment Form

Reliance Standard Enrollment Form

Reliance Standard Change Form

Reliance Standard Change Form

MEDICAL

Medical Mutual of Ohio

Medical Mutual of Ohio will administer your medical and prescription drug benefits this year.

To find out if your provider is in-network, please visit the Medical Mutual of Ohio website below.

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

HDHP vs PPO

HDHP vs PPO

What is a HDHP with HSA?

What is a HDHP with HSA?

DENTAL

Dental Care Plus Dental Plan

Derek Inc.'s dental plan provides comprehensive coverage to help you and your family maintain good dental health. Providers are part of the Dental Care Plus 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 Dental Care Plus website below.

How Does Dental Insurance Work?

How Does Dental Insurance Work?

DISABILITY

Reliance Standard

Derek, Inc. provides you with Short- and Long-Term Disability through Reliance Standard.


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 Standard pays 60% of your income to a maximum of $1,500 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 90 day elimination period are are equal to 60% of covered monthly earnings up to $7,500 for full-time employees.



Overview of Long Term Disability Insurance Video

Overview of LTD Video

Overview of Long Term Disability Insurance Video

Overview of LTD Video

HSA

The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an FSA or HSA you reduce your taxable income, so you pay less in taxes — which saves you money.


HEALTH SAVINGS ACCOUNT (HSA)

  • You may contribute up to $3,650 annually as an individual or $7,300 as a family
  • You must be enrolled in a qualified HSA-eligible health plan, but you or your spouse may not participate in an FSA or Health Reimbursement Account (HRA)


How the HSA Plan Works

You may use your HSA funds to pay for eligible medical, prescription drug, dental or vision expenses. Unused funds remain in your account for future use and roll over each calendar year. You can change your HSA contribution at any time during the plan year for any reason.

What is an HSA?

What is an HSA?

HSA vs. FSA

HSA vs. FSA

UNDERSTANDING YOUR BENEFITS

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How To Read An EOB (Explanation of Benefits)

How To Read An EOB (Explanation of Benefits)

Contact Us


Client Contacts

SW

Steve Wethington

swethington@deohio.com

(513) 232-2211

Account Team Contacts

BG

Blake Goldie

Client Relationship Manager / Account Director

blake.goldie@nfp.com

5137252303

CK

Colleen Koch

Account Manager

colleen.koch@nfp.com

513-725-2308

TH

Tina Harris

Account Executive

tina.harris@nfp.com

5132329992