E. RUFF & ASSOCIATES INC.

Table of Content

  1. Header
  2. Page
    1. Welcome
    2. Overview
    3. Enrollment
    4. MEDICAL
    5. DENTAL
    6. VISION
    7. LIFE & AD&D and Long Term Disability
    8. HSA
    9. UNDERSTANDING YOUR BENEFITS
    10. Plan Details
    11. Contact Us
  3. Footer

Welcome

Helping you and your family reach and maintain good health is very important to E. Ruff & Associates. E. Ruff & Associates 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 E. Ruff & Associates. 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

Annual Notices

E. Ruff & Associates remains committed to providing a competitive, cost-effective benefit program.

Please review and sign your 2022 E. Ruff & Associates Annual Notices form.

Annual Notices

Annual Notices

Benefits Notices

Benefits Notices

ERISA

ERISA

Enrollment

How To Enroll In Benefits

Action Required:


All elections must be submitted by 12/29/2021. 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.

Anthem Enrollment Form

Anthem Enrollment Form

Anthem Change Form

Anthem Change Form

Sun Life Enrollment Form

Sun Life Enrollment Form

MEDICAL

Anthem

Anthem will administer your medical and prescription drug benefits this year.

To find out if your provider is in-network, please visit the Anthem website below.

Embedded vs Aggregate Deductibles

Embedded vs Aggregate Deductibles

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

Anthem Dental Plan

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

How Does Dental Insurance Work?

How Does Dental Insurance Work?

VISION

Anthem Vision Plan

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


E. Ruff & Associates offers vision coverage through Anthem to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in the Anthem Network.


To find out if your provider is in-network, please visit the Anthem website below.

How Does Vision Insurance Work?

How Does Vision Insurance Work?

LIFE & AD&D and Long Term Disability

Anthem

E. Ruff & Associates provides you with Basic & Voluntary Life/AD&D coverage through Anthem and Sun Life and Long Term Disability through Sun Life.


Basic Life/AD&D

Employees working 30 or more hours per week are eligible for Flat $20,000 Anthem and Flat $50,000 Sun Life coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or 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.


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 equal to 60% of covered monthly earnings up to $5,000 for full-time employees.



Overview of Life Insurance Video

Overview of Life Insurance Video

Overview of Life Insurance Video

Overview of Life Insurance Vid ...

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 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

JH

John Hoskinson

jhoskinson@eruffassoc.com

(513) 530-0061

Account Team Contacts

BG

Blake Goldie

Client Relationship Manager / Account Director

blake.goldie@nfp.com

5137252303

HT

Harris, Tina

Benefits Client Team Member

tina.harris@nfp.com

5132329992